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  1. M

    Fixed Index Annuity

    I looked into this 5-6 years ago.... I thought it was a fantastic idea to secure a block of my 401K and throw in some scrap IRA money I had laying around... I wanted to put a bunch of it together to build 100K account balance and to secure it in an Annuity. With the propose of securing some...
  2. M

    Mortgage versus Cash from Retirement Funds

    I have done it where I work. I took a loan for 20K to buy a truck out of my 401K and took the repayment plan of weekly withdrawls from my paycheck with a 6.5% intrest. The 6.5% intrest I payed was credited to my account. So, it was like taking a 20k bond out that paid me 6.5%. The deal on...
  3. M

    Mortgage versus Cash from Retirement Funds

    I would leave my 100K in the retirement plan and take out a loan for the mortgage. 15 year. And, I would get a little more if you can get the numbers to work in your monthly budget... like get 150-175K loan if possible, not to have the cash on hand, but to buy a little more house or a house on...
  4. M

    Credit card fraud... but not what you think.

    I pulled the last 4 statements. I always mail my payments on Thursdays. And the payments have been credited to my account by Monday every time. None of the 4 went past Monday. And one of the 4 was credited on Saturday. I'm gonna call on Monday and squeek.... I went ahead and canceled my...
  5. M

    Credit card fraud... but not what you think.

    I can't.... too old school....
  6. M

    Bundy stuff

    What could he possibly be doing for a living after gaining all his notoriety ? Who would hire him or do business with him ?
  7. M

    Credit card fraud... but not what you think.

    I have an American Express card that I use on occasion and to pay my Netflix monthly fee. Last month, the payment was due by Friday May the 5th. I mailed (the payment by check) from my house in Wisconsin to the payment center in Carrol Stream Il on Thursday April 27th. With first class mail...
  8. M

    Gear Clearout

    Goodness.... that looks like my office chair.... no kidding.
  9. M

    Having good credit is now frowned upon

    I think I am going to take my 830 score and get a few more credit cards.... Max all of them out and then file bankruptcy.... Then I will get a cheaper rate, and be the bank's preferred customer...
  10. M

    Holy COW !!! IRS trouble....

    Yes... yes.... that is the thing.... I didn't get either one of those.... I got a 1099-DIV, because stocks I have in my IRA paid dividends like they should... that is why I bought them... And now... dividend gains in my IRA are being reported and have been for the last few years... I just...
  11. M

    Holy COW !!! IRS trouble....

    I don't think I am at the Ben Rucker level of crisis just yet.... If I can keep this whole mess for under 5 grand.... it may be more cost effective to just play along and pay it.... and get with my brokerage to not let another 1099 get produced for my IRA account. Up until now, I have not had...
  12. M

    Holy COW !!! IRS trouble....

    My plan is to respond the IRS claims and see what I can work out with and them and just pay it...... because, it's tax season now, and to get a tax professional to look at all this and work it out this time of year would be just impossible. In the end of July or early August I will get all...
  13. M

    Holy COW !!! IRS trouble....

    They just sent me a letter today...... It say's that they are experiencing a back log and I can expect a response in 90 days or so..... I'm sure they will add to the interest penalty for the extra 90 days.... we'll see.
  14. M

    Holy COW !!! IRS trouble....

    No, No not yet. close though....
  15. M

    Holy COW !!! IRS trouble....

    "1099 divs and 1099 B forms never come from IRAs. Only 1099Rs. You're sure you don't have an after tax brokerage account? You should review all of those statements. I see a lot of tax returns and documents and have never heard of a 1099div being sent incorrectly for an IRA." This is a big help...
  16. M

    7 month old chocolate lab

    I bet.... I am 59 y/o and well past my puppy days... I would have snaped him up in a flash.
  17. M

    Holy COW !!! IRS trouble....

    I get statements from my brokerage accounts... 1099-div and 1099-B and the like.... For the last few years, I just pitch them into a file and not worry... because... they are for my IRA accounts. I don't have any non IRA money that gets traded in any accounts. I don't need to report any of...
  18. M

    7 month old chocolate lab

    I got room at my place for him.....
  19. M

    Cheapest way to e-file ???

    Oh Hey Hey !!!! I didn't say the Orange man didn't have his own income redistribution plan too.... I wish they would not send out any freshly printed money... it dilutes the value of all the money each of us has already earned and managed to keep for our own.... However, next year. I do...
  20. M

    Cheapest way to e-file ???

    I just got done with doing my taxes with Tax-act, and when I got down to the end, to the e-file part. I had to drop $109.00... I know, to be fair... I should pay something. But what is every one else paying for the same service ? One federal return, plus, profit or loss from farming...
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