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audreyh1 - That's interesting/annoying. I am in the same boat and was expecting that interest to be included in 2020. Guess I am going to have to update my 2021 planning. Thanks for the info!

Thanks scrabbler1 - good to know!

Great - thanks for your quick replies.

We didn't qualify for a 2021 Obamacare subsidy based on our estimated 2021 income but, upon reflection with interest rates as low as they are, it looks like there is a decent chance that we will qualify for an Obamacare tax credit for 2021. Since we'll probably be close to the ACA cliff and my...

Just an update - today out of the blue we received a second corrected SSA-1099 showing zero net benefits for 2018. At least I have the peace of mind knowing our 2018 taxes are consistent with this revised document so when we do get audited, there shouldn't be an issue.

I did speak to the IRS this morning and was told that the IRS is going to go with what the SSA says so to the extent there is a discrepancy between my return and the SSA-1099, that would likely trigger an audit. And, in the event of an audit, the IRS is generally inclined to defer to the SSA...

As I finalized our return for filing by Turbotax, it appears that there's no way to provide an explanation of the 1099-SSA discrepancy or upload any documents (such as the SSA letter or a copy of our check to the SSA) and Turbotax seems to suggest that these would be ignored anyway during the...

GrayHare - Thanks for your response. My plan is to go with your approach and cross my fingers.

My spouse started collecting SS retirement benefits in June 2018 but then we decided to withdraw the request in October 2018 and defer collecting these benefits until a later date. In November 2018 we received a letter from the SSA saying the withdrawal request could only be approved if all SS...

Another Ally Bonus Question Thanks for your reply Audreyh1. Do you know if new $ is transferred to Ally for the bonus whether you can transfer old $ money at Ally out before the January 15 without losing the bonus?

Ally Bonus Question Does anyone know if I can move $ OUT of Ally now, enroll for the bonus by Sunday and then move the $ back a few days later and still qualify for the bonus? I recently had a CD mature from another institution and moved that $ to Ally before I learned about the bonus so was...

Ally no-penalty 11 month CD now at 1.6% Just noticed this last night and converted all of my CDs that were at the old 1.5% rate which was relatively easy to do online... :dance:

Thanks Johnny for the tip - I am on the phone now converting a bunch of Ally No Penalty CDs I have at a lower prior rate (1.25%).

Andrews FCU Thanks for the responses. It definitely seems like Andrews FCU would be the way to go except that I was trying to avoid having to deal with transferring funds to another institution (I already have CDs at PenFed and NWFCU) and have a few more months before I should transfer $ out...

JPMorgan Chase 3% 10-Year CD I noticed on Fidelity that JPMorgan Chase is offering a 3% 10-Year CD although it doesn't appear that you have the ability to make any early withdrawals prior to maturity. I am considering moving some $ that is currently in a bond fund in my tIRA and Roth IRA to...

Thanks adrift and others for the info - just set up my account and the process went fairly smoothly.

Add one more to the list... 1. Ikubak - April/May 2015- age 52 2. LoneAspen - Moved to Class of 2016 3. Neihn - Dec 2015- 4. Fourchristians - June 2015 5. ABQ2015 - March 2015- 59 6. Live and Learn - June 2015- 52 7. Utrecht - Jan 2015 - Age 50 8. haloFIRE - August 14, 2015 - age 47 9...

Thanks everyone for your responses. 2B – You won't hear me saying we can't live off of a $3MM portfolio! I certainly feel very fortunate that things have worked out to the point where this is where we are at, as a few years back I wouldn't have thought this would have been possible. I do like...

I introduced myself a year ago (http://www.early-retirement.org/forums/f26/hoping-to-be-ready-when-the-ax-falls-69983.html) and just wanted to give an update on our progress. Luckily I was able to avoid the ax until December but it still hasn't completely fallen since I am now working as a...

Congrats! This property caught my eye when it was first listed so it was funny to see it mentioned here - small world!

I think Huston55 is referring to the Fidelity Full View apps where you can set budgets and track your spending for all linked accounts.

gauss - Thanks for your feedback. I did think about how I would report this on Form 8606 but since the transfer from tIRA to 401k and back was in the same tax year, there would be no change in my IRA basis so I hoping I wouldn't have to address these two transfers. BTW, with respect to your...

Heard from our 401k provider and was told I could do a $6500 rollover to an IRA so I guess I will get that in process. I was told that the money was not coded as "after tax" when it came in (in response to my question as to whether I should specify in the withdrawal form that the withdrawal was...

Thanks everyone for your suggestions. I haven't heard back from the 401k administrator, but looking at our 401k website, it isn't clear that I can somehow just withdraw the after-tax portion of the rollover. gauss - it doesn't look like my 401k plan tracks after-tax rollovers, so this is a...

BTW, since this transfer to my 401k occurred in January 2014, I was thinking maybe I could see if my 401k would allow me to roll the $6500 into a traditional IRA and then convert that to a Roth IRA all in the same year and include my $6500 basis in the amount converted to a Roth IRA on IRS Form...