Search found 87 matches

by jimcrawford01
Tue Jan 26, 2021 11:28 am
Forum: US Chapters
Topic: Happy 97th Birthday, Taylor Larimore
Replies: 146
Views: 6384

Re: Happy 97th Birthday, Taylor Larimore

No Slack!
From a fellow Screaming Eagle.
After Mr Bogle, you be THE MAN.
Thank You.
Best Wishes.
Jim
by jimcrawford01
Thu Apr 02, 2020 8:30 am
Forum: Personal Investments
Topic: Already Made a QCD?
Replies: 16
Views: 1159

Re: Already Made a QCD?

I stand corrected.
Seems so obvious now.
Thanks to all for the clarification.

Jim
by jimcrawford01
Wed Apr 01, 2020 7:04 am
Forum: Personal Investments
Topic: Already Made a QCD?
Replies: 16
Views: 1159

Re: Already Made a QCD?

I made a QCD. Checks cashed by the Charity. Then the CARES bill became law. Can I simply take an IRA w/d in the amount (or greater) of the QCD in order to protect the tax benefit of the QCD, as intended? Thanks. Jim No. The QCD is now just a tax-free distribution. If you take another distribution, ...
by jimcrawford01
Mon Mar 30, 2020 5:14 pm
Forum: Personal Investments
Topic: Already Made a QCD?
Replies: 16
Views: 1159

Re: Already Made a QCD?

Are RMDs PROHIBITED?. I can still w/d as much or as little as I choose, subject to all the other rules.
The language I have seen used is SUSPENDED. Needlessly confusing.
Thanks for the BogleHeads.
by jimcrawford01
Mon Mar 30, 2020 12:32 pm
Forum: Personal Investments
Topic: Already Made a QCD?
Replies: 16
Views: 1159

Already Made a QCD?

I made a QCD. Checks cashed by the Charity. Then the CARES bill became law.
Can I simply take an IRA w/d in the amount (or greater) of the QCD in order to protect the tax benefit of the QCD, as intended?

Thanks.
Jim
by jimcrawford01
Mon Dec 30, 2019 10:49 am
Forum: Personal Investments
Topic: Roth Conversion Pro Rata Math
Replies: 9
Views: 887

Re: Roth Conversion Pro Rata Math

You have a number of posts mention Form 8606.
If you REALLY wish to understand this and related subjects, take a few practice trips through the Form 8606 and consult the Form 8606 Instructions.
A VERY valuable experience.
by jimcrawford01
Sat Dec 28, 2019 12:10 pm
Forum: Investing - Theory, News & General
Topic: RMD and Roth Conversion PRO-RATA and IRMAA?
Replies: 23
Views: 1496

Re: RMD and Roth Conversion PRO-RATA and IRMAA?

About 15% of my tIRA is post tax $$. So, I when I RMD and/or Roth CONVERT, I take the Total W/D and multiply by .85 and that is the Taxable amount that is added to my Income. Question: Is the 15% that is NOT taxable included in IRMAA calculation? TIA. OP here. Thank you to retiredjg and cas! Your p...
by jimcrawford01
Fri Dec 27, 2019 10:59 am
Forum: Investing - Theory, News & General
Topic: RMD and Roth Conversion PRO-RATA and IRMAA?
Replies: 23
Views: 1496

RMD and Roth Conversion PRO-RATA and IRMAA?

About 15% of my tIRA is post tax $$.
So, I when I RMD and/or Roth CONVERT, I take the Total W/D and multiply by .85 and that is the Taxable amount that is added to my Income.
Question:
Is the 15% that is NOT taxable included in IRMAA calculation?
TIA.
by jimcrawford01
Mon Jun 24, 2019 6:04 am
Forum: Personal Consumer Issues
Topic: 5 days in Como, Italy
Replies: 15
Views: 1517

Re: 5 days in Como, Italy

There is a SeaPlane base on the waterfront . If small airplanes don't bother you, ask about an aerial tour. Take a Flight Instructor. That way you can make requests as to how long and where you would like to fly. It is a bit costly but is a very efficient and enjoyable way to tour the area.
by jimcrawford01
Wed Apr 03, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 57
Views: 6871

Re: Boglehead Pilots...advice

I'm not a pilot but my sister and brother-in-law both fly jets. BIL flew a chopper in first golf war. Neither of them will fly in a small plane, says far too dangerous. Dangerous? Really? I think not. Risky, of course. General Aviation flying is not a risk free activity. Driving your car to the sto...
by jimcrawford01
Sat Mar 09, 2019 10:20 am
Forum: Personal Investments
Topic: Divorce Question - 401K QDRO
Replies: 36
Views: 3691

Re: Divorce Question - 401K QDRO

I was able to take a different course. Each State will have its own rules, I imagine. In the Property Settlement Agreement that preceded the final Divorce Decree, we agreed to split the value (on a given date) of the Pension and 401k. I wrote a check for that amount and she wrote a letter waiving al...
by jimcrawford01
Tue Mar 05, 2019 5:38 pm
Forum: Personal Investments
Topic: H&R Rep says Backdoor Roth closed/changed..now what?
Replies: 25
Views: 3079

Re: H&R Rep says Backdoor Roth closed/changed..now what?

$400 and the H&R Rep states that the Backdoor Roth is closed? Really?
Time to ask for your $$ back and follow the explanations and directions given here. Really!
by jimcrawford01
Thu Feb 28, 2019 10:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 645
Views: 78091

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts]

I'll be calling Vanguard tomorrow and will give an earful.
The Advantage Account served my needs well.
I will now seek alternatives for my investing needs.
Been a good 43 years with Vanguard.
by jimcrawford01
Fri Jan 11, 2019 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: What does 1 million @Vanguard get you ?
Replies: 35
Views: 8971

Re: What does 1 million @Vanguard get you ?

Vanguard's Advantage Account has worked well for me for many years as my primary checking account. Flagship benefits MAY have been eroded over time, but as a simple investor and Boglehead, I don't care. I have seen a growing number of complaints on this Board re customer service. However, my experie...
by jimcrawford01
Sun Nov 25, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Travel To Cuba - Tips
Replies: 17
Views: 2119

Travel To Cuba - Tips

Flying from PWM (Portland, ME) on JetBlue through JFK (New York) to HAV (ICAO - MUHA) first week of DEC for 10 days.
Any one been there recently?
Looking for any travel tips you folks might offer.
TIA.
Jim
by jimcrawford01
Wed Nov 21, 2018 12:34 pm
Forum: Personal Investments
Topic: ROTH withdrawal rule clarification needed
Replies: 10
Views: 949

Re: ROTH withdrawal rule clarification needed

I feel your pain re the 5 yr clock for CONVERSION. PUB 590 confused me as well, however, I am now a believer of the para re QUALIFIED Withdrawals. I have 3 Roth accounts at Vanguard. Roth 1 Opened with big CONVERSION in 2010. (Sure glad I did that! Great time to CONVERT). Roth 2 Opened in 2011 with ...
by jimcrawford01
Wed Nov 21, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Question about qualified charitable distribution (QCD)
Replies: 11
Views: 803

Re: Question about qualified charitable distribution (QCD)

Not an expert here but just did QCD for first time after turning 70 1/2 in JUL 2018 and RMD due NLT end of 2018. Learned a lot. 1. Ensure that you are OVER 70 1/2 to the DAY for the QCD. 2. Take QCD FIRST, prior to RMD. Easy to do. Call Vanguard (easy to do online, if desired) and they can mail a ch...
by jimcrawford01
Wed Oct 31, 2018 9:19 am
Forum: Personal Investments
Topic: Roth IRA W/D 5 yr Rule Clarification
Replies: 10
Views: 1210

Re: Roth IRA W/D 5 yr Rule Clarification

OP here. Thanks for the replies and info. The language used in Pub 590 B can be confusing. No surprise there. It even uses the term " converted contribution ". Just when you think you have it figured out, something new is thrown out there. IF I accept the definition of "QUALIFIED DIST...
by jimcrawford01
Tue Oct 30, 2018 2:59 pm
Forum: Personal Investments
Topic: Roth IRA W/D 5 yr Rule Clarification
Replies: 10
Views: 1210

Roth IRA W/D 5 yr Rule Clarification

I would like to clarify this rule. Assuming over Age 59 1/2, it has been stated here, in many threads, that as long as your 1st Roth met the 5 yr rule, all Roth distributions are tax and penalty free. I do not believe that to be the case regarding CONVERSIONS. I have read Pub 590 B (2017). pp 30 see...
by jimcrawford01
Mon Oct 08, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: Automobile Shipping
Replies: 5
Views: 644

Re: Automobile Shipping

Beware AutoStar. The experience with AutoStar was so bad that I drove the car OR to ME this summer.
by jimcrawford01
Tue May 08, 2018 1:54 pm
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 4174

Re: Happy 89th birthday to Bogle

I will add my best wishes for the man who changed my life (for the better, much, much better)

Few can say that they have had such a profound effect on others!

I thank you, sir.

Jim
by jimcrawford01
Thu Jan 25, 2018 3:06 pm
Forum: Personal Investments
Topic: phone call with Fidelity retirement relationship manager
Replies: 5
Views: 1275

Re: phone call with Fidelity retirement relationship manager

When Fido calls, I ask them about Jeff Vinik and the Magellan Fund. The response is typically, "but we didn't do anything illegal." Perhaps, but it still cost $10 million to settle the class action lawsuit. Not likely that Abigail or Ned reached into their own pockets to pay that. Mr Bogle...
by jimcrawford01
Tue Dec 05, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Moved But Which State to File In?
Replies: 6
Views: 699

Re: Moved But Which State to File In?

Thanks for the responses.
by jimcrawford01
Wed Nov 29, 2017 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Moved But Which State to File In?
Replies: 6
Views: 699

Moved But Which State to File In?

I moved from NH to OR in 2017. I sold NH residence in JUL17 and closed on OR residence in AUG. I assumed that since I was a NH resident for a majority of the year, I would file only in NH for 2017. After researching the documents for both states, it appears that both states require me to file. I am ...
by jimcrawford01
Mon Nov 20, 2017 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Why did Vanguard drop TurboTax?
Replies: 16
Views: 5891

Re: Why did Vanguard drop TurboTax?

I recall a few years ago, much confusion over the TT offer from Vanguard. The free offer did not include Sched D, something that Vanguard folks are likely to need. You had to upgrade to the Deluxe version to get Sched D. Worse, this was poorly explained, by both TT and V. I learned to dislike TT and...
by jimcrawford01
Sun Sep 24, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: IOS 11: Anybody using it yet?
Replies: 48
Views: 5560

Re: IOS 11: Anybody using it yet?

I downloaded it the day it became available on my 5s and everything works great.... Hmmm... I had read that iOS11 would no longer support any Phone 5, period. I have an iPhone 5c and I have concerns. What is the understanding of other folks here? It will only work on the 5s not the 5 or 5c. It won'...
by jimcrawford01
Sun Sep 24, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: IOS 11: Anybody using it yet?
Replies: 48
Views: 5560

Re: IOS 11: Anybody using it yet?

harrington wrote: Sat Sep 23, 2017 2:15 pm I downloaded it the day it became available on my 5s and everything works great....
Hmmm...
I had read that iOS11 would no longer support any Phone 5, period.
I have an iPhone 5c and I have concerns.
What is the understanding of other folks here?
by jimcrawford01
Sun Aug 27, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 64
Views: 7396

Re: Eclipse Traffic: predictions vs reality?

I live in Madras, OR and got to fly my small General Aviation airplane through the whole Eclipse. Priceless! The traffic inbound to Madras was not as bad as predicted, but then, the predictions were dire. The traffic outbound, post Eclipse, was OK Northbound, but Southbound was a parking lot. If you...
by jimcrawford01
Fri Apr 21, 2017 10:50 am
Forum: Investing - Theory, News & General
Topic: Transfer to Fidelity for Sign on Bonus?
Replies: 35
Views: 7806

Re: Transfer to Fidelity for Sign on Bonus?

I was considering this bonus offer. I went to a Fido Store and spoke with an advisor there to ask my questions. One that I asked that has not been addressed in this thread: Is the bonus delivered as interest or some other thing which will generate a 1099 and will be taxable for Tax Year 2017? The an...
by jimcrawford01
Sun Mar 12, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Question regarding IRA recharacterization
Replies: 31
Views: 2940

Re: IRS Question regarding IRA recharacterization

Taxslayer sounds similar to the free FreeTaxUSA program that I use and can recommend. I partially recharacterized in FEB 2017, a 2016 Roth Conversion (Tira to ROTH). When I hit a roadblock (my lack of understanding and knowledge), FreeTaxUSA Customer Support stated that they did not support written ...
by jimcrawford01
Wed Mar 01, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Foreign Car Rental Insurance
Replies: 12
Views: 2380

Re: Foreign Car Rental Insurance

Thank you all for your replies. My Amica Car Policy covers only US & Canada plus PR & Possessions. Collision Damage is mostly covered by Credit Card. My Amica Umbrella Policy covers the same WORLDWIDE (except auto)! Accident Liability for personal injury is covered for everybody by the NZ Ac...
by jimcrawford01
Tue Feb 28, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign Car Rental Insurance
Replies: 12
Views: 2380

Foreign Car Rental Insurance

I have reserved a car rental in New Zealand for next month.
My car insurance with Amica will not cover me outside the US, Canada.
The insurance offered by Enterprise is a rip off.
What do other folks do for liability and auto coverage?
Thanks
by jimcrawford01
Fri Feb 24, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Filing For Extension?
Replies: 14
Views: 1521

Filing For Extension?

I am uncertain that I can complete my taxes prior to APR for Tax year 2016. If I file for an extension and subsequently succeed in being able to file normally, can I go ahead and file normally, even though I filed for the extension? Also, I paid estimated tax in the amount of 2015 tax for the safe h...
by jimcrawford01
Wed Feb 22, 2017 10:55 am
Forum: US Chapters
Topic: HAPPY 21ST HEARTDAY, JACK BOGLE
Replies: 24
Views: 3598

Re: HAPPY 21ST HEARTDAY, JACK BOGLE

The man just keeps on ticking.

He certainly has justified why he deserved a second chance!

Good for you, Mr Bogle.
by jimcrawford01
Thu Feb 09, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: RMD Question
Replies: 11
Views: 1797

Re: RMD Question

Alan S

Thanks for the info.

Just to be clear:

You are saying that we can take just a partial RMD in the year we turn 70 1/2?

Then, the next year make up for the partial plus a full RMD for that following year?

I was not aware that we could make a partial.

Jim
by jimcrawford01
Fri Jan 27, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Best courses and books on negotiation
Replies: 23
Views: 2894

Re: Best courses and books on negotiation

Highly Recommend

"Getting to Yes Negotiating Agreement Without Giving In"

by Roger Fisher & William Ury

Cheap if in paperback.

Jim
by jimcrawford01
Wed Dec 21, 2016 1:30 pm
Forum: Personal Investments
Topic: Roth Conversion Taxes...where to send, when to pay?
Replies: 14
Views: 4353

Re: Roth Conversion Taxes...where to send, when to pay?

Where on the Form 1040 is the penalty for underpayment exacted? Is there an additional Form that you must do and input somewhere on the Form 040? BTW, great idea from a previous poster : if in doubt, pay 110% of last year's tax by 15JAN17. Is Direct Pay and EFPTS the same program? Sorry, didn't mean...
by jimcrawford01
Fri Dec 02, 2016 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Freetaxusa dot com
Replies: 13
Views: 1786

Re: Freetaxusa dot com

Used it for 2 years now with no problems.

Very user friendly and CHAT function is reliable and helpful!
by jimcrawford01
Tue Nov 08, 2016 9:23 am
Forum: Personal Consumer Issues
Topic: Fish again
Replies: 17
Views: 4637

Re: Fish again

I am a believer in the health value of Omega-3. I much prefer to get the Omega-3 from a plant source such as Flaxseed. I wish to avoid the fish issues. So, I simply take a daily supplement.
by jimcrawford01
Wed Jul 13, 2016 10:09 am
Forum: Personal Consumer Issues
Topic: Buying a Fifth Wheel-Help
Replies: 34
Views: 5067

Re: Buying a Fifth Wheel-Help

OP here. I have learned a lot from the responses here and research via the internet and visits to RV and truck shops, as well as conversations with current users. The Truck will be one of the following, in no particular order: Ford F-250 HD Chevy Silverado 2500 SD Dodge Ram 2500 SD I know I MIGHT be...
by jimcrawford01
Mon Jul 11, 2016 9:27 am
Forum: Personal Consumer Issues
Topic: Buying a Fifth Wheel-Help
Replies: 34
Views: 5067

Re: Buying a Fifth Wheel-Help

Thanks to all for the responses. You have convinced me of the virtues of a "test drive" prior to purchase. I have the TRUCK figured out. Next is the TRAILER decision. I was not aware of the rental possibilities. It turns out that there are many. In fact, you can rent a Trailer on site at s...
by jimcrawford01
Wed Jul 06, 2016 4:26 am
Forum: Personal Consumer Issues
Topic: Buying a Fifth Wheel-Help
Replies: 34
Views: 5067

Buying a Fifth Wheel-Help

First time buyer with no experience with RV travel.
They seem to come in all sizes but around 29-30 ft looks about right for me.
Used or New? One Manufacturer stand out?
Which truck to buy? Same questions.
Experience counts. Any help would be appreciated.
Jim
by jimcrawford01
Sun Jan 24, 2016 3:39 pm
Forum: Investing - Theory, News & General
Topic: Why Bogle?
Replies: 36
Views: 4659

Re: Why Bogle?

Is it just a fad that we will look back on in x years and question? I doubt that many BHs invest via fads. I view Mr Bogle as the only honest person on Wall St. His philosophy makes sense and has withstood the test of time, especially when compared to alternatives. His honesty has allowed myself an...
by jimcrawford01
Sun Jul 05, 2015 7:43 am
Forum: Personal Consumer Issues
Topic: Journal of my recent ride in Northern Italy
Replies: 12
Views: 3111

Re: Journal of my recent ride in Northern Italy

Nice Trip.
Nice Blog.
I read EVERY word and looked at EVERY picture.
Thanks for the report. I really enjoyed it.
Jim
by jimcrawford01
Sun Mar 29, 2015 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Est Tax Requirement?
Replies: 1
Views: 490

Est Tax Requirement?

For tax year 2014 I filed and had a $3500 refund (as a result of Est Tax paid) and received the refund. Then, I filed an amended return that had me owing $8500. So, I wish to calculate the quarterly Est Tax I should pay for tax year 2015 to reach the safe haven of 100% of the previous year. $3500 + ...