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Old 12-11-2015, 06:32 PM   #81
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I'm surprised people expect Vanguard to buy 3rd party software and give it to some shareholders for free. Should they buy Microsoft office, IPads, and Amazon gift certificates too?

Makes no sense to me. If you want a product buy it yourself.
People expect it because it was stated as a feature when they signed up.

I don't recall MSO, ipad or Amazon certificates appearing in the list of features, so I would not expect that to be offered fro free.
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Old 12-11-2015, 11:34 PM   #82
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Originally Posted by samclem View Post
Intuit has betrayed my trust on two separate occasions. Vanguard shouldn't shackle themselves to them.
And if it costs Vanguard >anything<, then I don't want them offering a discount on tax software, underwear, car insurance, or anything else--cut the ERs of their funds instead, or use the money to improve service in some way. If it costs them something, then it costs >me< something (since I own the company, like anyone who has Vanguard funds).

Vanguard should stick to the core business and keeping their reputation unsullied. It has worked for them so far.

I do not think that the folks that were not at the top of assets (Flagship) just got a discount and it cost Vanguard nothing.... and the Flagship customers might have cost them a few dollars, but not that much IMO...

If they had never offered it, I would agree with you... however, it was a bene and now it is not... there is some 'cost' to that decision.... they probably do not care, but it can be the start of something if other benes go away....
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Old 12-12-2015, 06:07 AM   #83
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Originally Posted by samclem View Post
Intuit has betrayed my trust on two separate occasions. Vanguard shouldn't shackle themselves to them.
And if it costs Vanguard >anything<, then I don't want them offering a discount on tax software, underwear, car insurance, or anything else--cut the ERs of their funds instead, or use the money to improve service in some way. If it costs them something, then it costs >me< something (since I own the company, like anyone who has Vanguard funds).

Vanguard should stick to the core business and keeping their reputation unsullied. It has worked for them so far.
+1.

I need to write my rep and tell them this is a smart decision.

And for those mad about this, it is a free market. Move to Fidelity. Vanguard is too big anyway.
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Old 12-12-2015, 06:12 AM   #84
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People expect it because it was stated as a feature when they signed up.

I don't recall MSO, ipad or Amazon certificates appearing in the list of features, so I would not expect that to be offered fro free.
I gotta tell you... I see a lot of ER folks here have really good benefits in their ER through their employer. They were very fortunate to get ahead of this current wave of "taking stuff away" such as health insurance, DB pensions, etc.

When your DB and health insurance which was "promised" to you gets taken away or ripped apart, you'll feel some pain. For those who never went through this, consider yourself fortunate.

Let's just say it toughens you up a bit when a little $60 perk disappears on your Vanguard account.
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Old 12-12-2015, 09:32 AM   #85
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I gotta tell you... I see a lot of ER folks here have really good benefits in their ER through their employer. They were very fortunate to get ahead of this current wave of "taking stuff away" such as health insurance, DB pensions, etc.

When your DB and health insurance which was "promised" to you gets taken away or ripped apart, you'll feel some pain. For those who never went through this, consider yourself fortunate.

Let's just say it toughens you up a bit when a little $60 perk disappears on your Vanguard account.
It does remind me of megacorp. Each year you lost something because a bean counter lost count! BTW, I'm not one who lost anything because VG cancelled the TT feature. I was not a member of that club.

I didn't lose much from megacorp either, except a 10-year job. The pension was unavailable to me, but got a decent match each year, and maxed contributions to 401(k).
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TT and Vanguard
Old 12-12-2015, 10:48 AM   #86
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TT and Vanguard

I've used the free TT on Vanguard once, after that I only purchased from Costco at a discount. The reason is when I want to access my tax records or return for that year, it was gone. I rather have the software to be able to go back. Turbotax is not the best software anyway, I know that because I e caught multiple errors, serious error on many occasion. But I use it to keep track of my math. When I found an error I return the software with full refund, no problem, so I get it free anyway. I've got full refund on the software for 3 years. But I've paid for some years before that, so it's not totally free.


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Old 12-12-2015, 01:07 PM   #87
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I've used the free TT on Vanguard once, after that I only purchased from Costco at a discount. The reason is when I want to access my tax records or return for that year, it was gone. I rather have the software to be able to go back. Turbotax is not the best software anyway, I know that because I e caught multiple errors, serious error on many occasion. But I use it to keep track of my math. When I found an error I return the software with full refund, no problem, so I get it free anyway. I've got full refund on the software for 3 years. But I've paid for some years before that, so it's not totally free.


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You could have the desk top version if you wanted.... I still have my tax programs for the last 5 years on my computer.... I can look at my tax return PDFs anytime, or go into the program and look at what I input...

First 3 H&R Block and last 2 TT....
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Old 12-12-2015, 02:36 PM   #88
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I used it a long time ago, back in the 90s, not sure if the desk top was available yet.


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Old 12-12-2015, 08:33 PM   #89
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I've used the free TT on Vanguard once, after that I only purchased from Costco at a discount. The reason is when I want to access my tax records or return for that year, it was gone. I rather have the software to be able to go back. Turbotax is not the best software anyway, I know that because I e caught multiple errors, serious error on many occasion. But I use it to keep track of my math. When I found an error I return the software with full refund, no problem, so I get it free anyway. I've got full refund on the software for 3 years. But I've paid for some years before that, so it's not totally free.
I'm curious. What kind of errors did you find with TT?
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Old 12-13-2015, 01:28 AM   #90
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One was dealing with rental property. I called them and they admit they didn't have it. The following year or after they had a different version for rental properties.
The other one is to deal with self-employment tax with 1099 form. Those were the two I remember specifically. Others were forms that I couldn't access, it was blocked out. But I can't remember which form.


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Old 12-24-2015, 10:37 AM   #91
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Turobtax will be $10 off at Costco beginning 12/29. The online price for Deluxe is $49.99, so with the discount it should be $39.99. I'm not sure if the stores also sell it for $49.99 or not. In the past, I seem to remember the stores being a few dollars less since they don't have to include the shipping costs. In any case, it's not a huge discount, but I'd rather pay a few dollars more than give my credit card information to a potentially pirated software web site.


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Old 12-24-2015, 02:14 PM   #92
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Turobtax will be $10 off at Costco beginning 12/29. The online price for Deluxe is $49.99, so with the discount it should be $39.99. I'm not sure if the stores also sell it for $49.99 or not. In the past, I seem to remember the stores being a few dollars less since they don't have to include the shipping costs. In any case, it's not a huge discount, but I'd rather pay a few dollars more than give my credit card information to a potentially pirated software web site.


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The Costco discount for Deluxe (w or wo State) is $10. But for Premier, Home & Business, or Business the discount is $15 FWIW. But then if you're eligible, you probably already know.

That's still $54.85 for Premier after $15 discount vs $29.99 for TaxAct Plus (desktop) - functional equivalents. Might have to try TaxAct despite years of TT...guess I got spoiled by "free TT."
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Old 12-24-2015, 06:16 PM   #93
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The laziness in me has me sticking to TT this year. My understanding is that TaxAct doesn't automatically import data from VG is one reason I'll be sticking with VG. Did I mention about being lazy?
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Old 12-25-2015, 11:08 AM   #94
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... But next year, I may not be so lazy and go with Taxact.
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Old 12-25-2015, 11:32 AM   #95
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The laziness in me has me sticking to TT this year. My understanding is that TaxAct doesn't automatically import data from VG is one reason I'll be sticking with VG. Did I mention about being lazy?
The H&R Block program imports from TT with no problems. IMO, it provides all the ease-of-use of TT and at lower cost. Without the hoops and without "unexpected" corporate shenanigans.
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Old 12-25-2015, 11:37 AM   #96
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The H&R Block program imports from TT with no problems. IMO, it provides all the ease-of-use of TT and at lower cost.
This was also my experience when I used it a few years ago.
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Old 12-25-2015, 11:52 AM   #97
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The laziness in me has me sticking to TT this year. My understanding is that TaxAct doesn't automatically import data from VG is one reason I'll be sticking with VG. Did I mention about being lazy?
That's a good point. Here is what I found on the TaxAct site, very limited compared to TT.
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Import transactions directly from GainsKeeper®, TD Ameritrade™, ShareBuilder®, Form8949.com, Raymond James®, Betterment, or a Comma Separated Values (CSV) file provided by your brokerage or TradeLog®.
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Old 12-26-2015, 09:47 AM   #98
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I just go on Slickdeals and get a deal for H&R Block Deluxe+State for $15 or so every year. Includes 5 fed e-files and 1 state.

Here's the current link:
H&R Block 2015: Deluxe+State=14.95, Premium+State=24.95, Premium&Business=39.95. All include Federal AND State FREE eFile. - Slickdeals.net
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Old 12-26-2015, 07:27 PM   #99
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I was told by Fidelity that I would qualify for free TurboTax, but that it was only the on-line version this year, not the desktop version (download/CD), and that it would not be available until January.

The Fidelity offer is online: free TurboTax 2015 Premier to certain premium clients. Not sure exactly what service tier qualifies. To check if you have this offer, log in to Fidelity and go to Guidance & Retirement -> Taxes. Everyone should see an offer "Save on TurboTax" for $20 off, BUT some also get a special offer on the right side "TurboTax Online Premier: Receive a free federal tax return with e-file."

If you have the free offer, click Learn More and then you'll have the option to file Online or Download (click See Products). Premier is free and other versions are discounted. The download includes 5 federal e-files and one state download. State e-file costs $19.99 (free for NY) or you can print and mail the state return.


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Old 12-27-2015, 07:02 AM   #100
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Turobtax will be $10 off at Costco beginning 12/29. The online price for Deluxe is $49.99, so with the discount it should be $39.99. I'm not sure if the stores also sell it for $49.99 or not. In the past, I seem to remember the stores being a few dollars less since they don't have to include the shipping costs. In any case, it's not a huge discount, but I'd rather pay a few dollars more than give my credit card information to a potentially pirated software web site.


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Yes, the in store pricing has been the same in the past.
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