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Re: Google Voice Not Supported on OBi Devices After May 15 2

http://blog.obihai.com/2013/10/important-message-about-google-voice.html A link to this article has been and currently is on the home page in the bottom right in red. What "home page"? The internet is vast. Why would everyone be expected to have seen this particular page? info@obihai.com ...
by 555
Thu Apr 17, 2014 10:47 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 10
Views: 289

Re: Google Voice Not Supported on OBi Devices After May 15 2

This is not old news to me. This is absolutely brand spanking new news to me. I've been totally blindsided by this. The obi people clearly chose to keep its customers in the dark until the last minute, except those who happen to stumble across some obscure blog post. It reminds me of this: "But...
by 555
Thu Apr 17, 2014 10:21 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 10
Views: 289

Google Voice Not Supported on OBi Devices After May 15 2014

"Google Voice Not Supported on OBi Devices After May 15 2014" I just got this news in an email from info@obihai.com So after finally getting this alternative to my landline, the plug is to be pulled on almost no notice, and I have little time to stop my phone going dead. Apparently they've...
by 555
Thu Apr 17, 2014 9:10 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 10
Views: 289

Re: TIAA-CREF is buying Nuveen?

When I look at my 403b options, TIAA-CREF aren't the good guys. They're just the least-bad guys.
by 555
Wed Apr 16, 2014 8:48 pm
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF is buying Nuveen?
Replies: 44
Views: 2414

Re: Why does Vanguard use average return iso compound annual

In case some people don't get the OP's point, here's an analogy. It's a bit like the SEC saying that a "poodle" is a small feline mammal that purrs and meows.
by 555
Sun Apr 13, 2014 9:22 pm
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard use average return iso compound annual?
Replies: 99
Views: 4068

Re: Why does Vanguard use average return iso compound annual

OP, if you think this terminology is bad, you should see the long thread a while ago about the fact that mortgages often use the term "simple interest" to refer to "compound interest".
by 555
Sat Apr 12, 2014 11:45 pm
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard use average return iso compound annual?
Replies: 99
Views: 4068

Re: TIAA CREF

The amount you put into the 401a is probably fixed with no choice. Do you have any choices other than T-C for the 401a? How much do you want to put elsewhere? What are your options for other accounts? 403b (through employer)? 457b (through employer)? IRA (as an individual)? And who are the possible ...
by 555
Sat Apr 12, 2014 1:16 am
 
Forum: Investing - Help with Personal Investments
Topic: TIAA CREF
Replies: 50
Views: 3254

Re: Skype on a Mac

These responses aren't childish enough. Try harder.
by 555
Thu Apr 10, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Skype on a Mac
Replies: 8
Views: 439

Re: TIAA CREF

Back on topic: OP, doing you recognize your account type from this list https://www.tiaa-cref.org/public/products-services/retirement/employer-sponsored/option/plan_offerings.html From that you would want to deduce if it is a 401a, 403b, 457b or something else. Then also see what other options you h...
by 555
Thu Apr 10, 2014 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA CREF
Replies: 50
Views: 3254

Re: TIAA CREF

You need to understand the tax characteristics of each account. What type of accounts are these? Do you know?
by 555
Wed Apr 09, 2014 2:28 am
 
Forum: Investing - Help with Personal Investments
Topic: TIAA CREF
Replies: 50
Views: 3254

Re: Sales tax on trade-in "Difference"

To see which states do:
Sales tax on trade-in "Difference"

http://www.edmunds.com/car-buying/what- ... u-pay.html
by 555
Tue Apr 08, 2014 11:50 am
 
Forum: Personal Consumer Issues
Topic: Sales tax on trade-in "Difference"
Replies: 26
Views: 1634

Re: Roth IRA Conversion deemed taxable

How does one end up with a negative AGI? Just curious. Take a closer look at form 1040. Do you see any lines that could result in a negative total income (line 22) or AGI (line 37)? Which lines? Form 1040: http://www.irs.gov/pub/irs-pdf/f1040.pdf Often people write "you" when they really ...
by 555
Tue Apr 08, 2014 1:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Conversion deemed taxable
Replies: 35
Views: 2064

Re: TIAA CREF

4503 wrote:Hi,
I have a account through my employer at TIAA CREF. The employer contributes a certain percentage of my gross salary. Therefore, I do not want to change to Vanguard.


What exactly does "change to Vanguard" mean in this context?
by 555
Mon Apr 07, 2014 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA CREF
Replies: 50
Views: 3254

Re: How are you preparing for the coming bear market

zaboomafoozarg wrote:Bear spray, don't leave home without it.


I'm an accumulator. I need some bull spray.
by 555
Sat Apr 05, 2014 11:49 pm
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7772

Re: Minimizing Taxes

Retire.
by 555
Sat Apr 05, 2014 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Minimizing Taxes
Replies: 17
Views: 980

Re: Where is the Vanguard 03/31/2014 statement?

Login to your account. Navigate to My Accounts, then Statements in the drop-down menu. Then click on your 03/31/2014 statement to view it. You know the statement is going to be there, so I don't understand why you need a notice to tell you that the statement is going to be there. Why would you say ...
by 555
Sat Apr 05, 2014 2:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Where is the Vanguard 03/31/2014 statement?
Replies: 32
Views: 2038

Re: Buying for someone who "has everything"

The best thing to buy for someone who "has everything" is "nothing".

Make it clear that you want nothing. Just make it clear to everyone that you wish not to receive gifts, and if they are considerate, then they will respect that wish.
by 555
Sat Apr 05, 2014 2:01 am
 
Forum: Personal Consumer Issues
Topic: Buying for someone who "has everything"
Replies: 43
Views: 2288

Re: Transmission rebuilt ($2k) or buy a new car? [Honda Civi

$2,000 in maintenance sounds better than spending $300 / month on another car,... Where do you get that $300/month figure. $300/month since 1999 would be $54,000. Why would a new car cost that much extra? If a $2,000 repair would postpone a new car purchase for one year, say, is that worth it? (Ser...
by 555
Fri Apr 04, 2014 2:00 am
 
Forum: Personal Consumer Issues
Topic: Transmission rebuilt ($2k) or buy a new car? [Honda Civic]
Replies: 23
Views: 1123

Re: Saving on major renovations

The house is assessed for several hundred thousand above our contract price and needs some major renovations. It really isn't helpful to get " live with it advice" when we have cash to renovate and the kitchen looks like it does & a couple of other issues, e.g., wood flooring in the m...
by 555
Fri Apr 04, 2014 1:38 am
 
Forum: Personal Consumer Issues
Topic: Saving on major renovations
Replies: 33
Views: 2502

Re: 401a rollover to vanguard

The process of moving funds from a traditional IRA to a Roth IRA without tax implications, that you are talking about:

- is not call backdooring, and
- doesn't exist.
by 555
Thu Apr 03, 2014 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401a rollover to vanguard
Replies: 5
Views: 290

Re: Saving on major renovations

The house is assessed for several hundred thousand above our contract price and needs some major renovations. It really isn't helpful to get " live with it advice" when we have cash to renovate and the kitchen looks like it does & a couple of other issues, e.g., wood flooring in the m...
by 555
Wed Apr 02, 2014 11:09 pm
 
Forum: Personal Consumer Issues
Topic: Saving on major renovations
Replies: 33
Views: 2502

Re: Being older/younger in class -- benefits, issues?

For those of you who want to delay your child reaching milestones until a later age, perhaps as well as redshirting, you could consider withholding food.
by 555
Mon Mar 31, 2014 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Being older/younger in class -- benefits, issues?
Replies: 98
Views: 4781

Re: Saving on major renovations

Leemiller wrote:... we are planning to sell in a few years ...

Then you will very little time to "enjoy" your changes, and future buyers most likely will not think your changes are worth the money you paid for them.
by 555
Mon Mar 31, 2014 11:50 am
 
Forum: Personal Consumer Issues
Topic: Saving on major renovations
Replies: 33
Views: 2502

Re: Being older/younger in class -- benefits, issues?

http://www.nytimes.com/2011/09/25/opinion/sunday/dont-delay-your-kindergartners-start.html?_r=0 http://journal.naeyc.org/btj/200309/DelayingKEntry.pdf The only legitimate reason for redshirting is if your child is academically delayed. Of course, delaying education by a year will retard any child's ...
by 555
Sun Mar 30, 2014 7:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Being older/younger in class -- benefits, issues?
Replies: 98
Views: 4781

Re: Saving on major renovations

The best way to save on major renovations is to not do them.
by 555
Sun Mar 30, 2014 7:06 pm
 
Forum: Personal Consumer Issues
Topic: Saving on major renovations
Replies: 33
Views: 2502

Re: Discovered reason for taxable savings/investment

There are other incentives too that go along with measuring "income" without accounting for withdrawals from after tax accounts. For example, the calculation of subsidies for paying health insurance premiums in the healthcare.gov marketplace. I think this loophole will be closed eventuall...
by 555
Thu Mar 27, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Discovered reason for taxable savings/investment
Replies: 11
Views: 1421

Re: Faulty Logic [Asset Allocation nearing Retirement]

Harpoon1 wrote:Truth is, I could get by on just the pension, if I had too, ....


In that case, an aggressive portfolio is fine. You've got your basics covered.
by 555
Sun Mar 23, 2014 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: Faulty Logic [Asset Allocation nearing Retirement]
Replies: 24
Views: 1844

Re: Faulty Logic [Asset Allocation nearing Retirement]

Here is the logic for why early retirement might warrant a sudden shift to a more conservative allocation. Before you retire, you have your future income (which could potentially be earned until a later retirement) which could be considered a somewhat "bond-like asset". When you retire ear...
by 555
Sun Mar 23, 2014 3:34 pm
 
Forum: Investing - Theory, News & General
Topic: Faulty Logic [Asset Allocation nearing Retirement]
Replies: 24
Views: 1844

Re: Faulty Logic

There was a recent paper ... widely reported to show that rising stock allocation in retirement is helpful, but if you read the paper it actually shows that about 50/50 is optimal and it does not matter if you do something like go from 30/70 to 70/30 and average 50/50 or just hold 50/50 all along. ...
by 555
Sun Mar 23, 2014 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: Faulty Logic [Asset Allocation nearing Retirement]
Replies: 24
Views: 1844

Re: Children: Are they worth every penny?

asterix0 wrote:"For this question to even be on this forum, it should be subject to analysis."

http://en.wikipedia.org/wiki/Per_stirpes
by 555
Fri Mar 21, 2014 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Children: Are they worth every penny?
Replies: 68
Views: 4591

Re: 8 hour layover in Honolulu. How to use time.

Do you have to have child car seats in a rental car in Hawaii?
by 555
Sat Mar 15, 2014 11:19 am
 
Forum: Personal Consumer Issues
Topic: 8 hour layover in Honolulu. How to use time.
Replies: 51
Views: 3321

Re: How long did it take to realize compounding interest

Compounding is just multiplication.

Here's how it works. Suppose you have an asset that in years 0,1,2,3,...23,24,25 has values
a,b,c,d,...,x,y,z
The growth (expressed as a ratio) is the product
(z/y)(y/x)(x/w)...(d/c)(c/b)(b/a)
which equals
z/a

Actually, a better name is telescoping.
by 555
Sat Feb 01, 2014 5:03 am
 
Forum: Personal Finance (Not Investing)
Topic: How long did it take to realize compounding interest
Replies: 45
Views: 4048

Re: Does anyone have a bat house?

We put up a bat house, but it got colonized by wasps instead of bats.
by 555
Thu Jan 30, 2014 12:13 am
 
Forum: Personal Consumer Issues
Topic: Does anyone have a bat house?
Replies: 31
Views: 1831

Re: Low Income, High Net Worth - Stories Of

I think what we are seeing is that there are posters from two different planets called HCOL and LCOL. Other than housing, I don't think most expenses really vary much by where you live. Most household stuff can be bought online. Car dealerships can't really charge a cola premium or else people woul...
by 555
Mon Jan 27, 2014 6:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Low Income, High Net Worth - Stories Of
Replies: 76
Views: 11759

Re: Use the same earned income for multiple plans?

It should be obvious this will not work. The amount of compensation you show to justify an IRA contribution is given by Box 1 (for some people reduced by Box 11) of the W-2. Box 1 is basically your salary less what you defer before tax to a workplace retirement plan. In the case you cite, employee ...
by 555
Sun Jan 26, 2014 3:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Use the same earned income for multiple plans?
Replies: 12
Views: 490

Re: Low Income, High Net Worth - Stories Of

6. Having kids is a huge financial drain. Even with all of the above, on a modest income, my view is, with kids, you have a choice - you won't be able to travel, save for retirement, buy a house, and have financial security (not including home & retirement). At best, you may have two of those (...
by 555
Tue Jan 21, 2014 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Low Income, High Net Worth - Stories Of
Replies: 76
Views: 11759

Re: Low Income, High Net Worth - Stories Of

3 kids 5 figure income 7 figure portfolio Succinct, and admirable. How did your portfolio grow over the years? Mainly saving a lot. The market's been up a down a lot in the last 10-15 years, as you know, so although the recent runup has pushed us just into 7 figures (and a correction coould easily ...
by 555
Mon Jan 20, 2014 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Low Income, High Net Worth - Stories Of
Replies: 76
Views: 11759

Re: Home Equity as "Fixed Income" allocation

Added: Risk comes from equities. When I sold bonds to buy my house and kept the equities I had, my risk remained exactly the same as before. I know some people measure risk differently, but I measure risk in dollars, as dollars are what I use to buy food and pay bills. If I had $500k in stocks befo...
by 555
Sun Jan 19, 2014 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: Home Equity as "Fixed Income" allocation
Replies: 41
Views: 1604

Re: Low Income, High Net Worth - Stories Of

3 kids
5 figure income
7 figure portfolio
by 555
Sun Jan 19, 2014 2:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Low Income, High Net Worth - Stories Of
Replies: 76
Views: 11759

Re: Seems odd that tax documents aren't available sooner

I didn't wait for 1099s. I knew all the numbers at the end of the year, and they weren't going to change, and certainly the information could have been transferred to tax documents in seconds. I've already done my (Fed/State) taxes on TaxACT and e-filed them. (Yes I know that TaxACT will sit on them...
by 555
Sun Jan 19, 2014 3:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Seems odd that tax documents aren't available sooner
Replies: 39
Views: 2870

Re: Poll: Early retirement investment vehicles

ajcp wrote:... but how did I miss? OP only listed 4 accounts (or you could say 6), but certainly not 5.


Okay, maybe that's ambiguous how many accounts there are. But in any case, there aren't all 2^n options.

Very bizarre poll.
by 555
Sat Jan 18, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Early retirement investment vehicles
Replies: 44
Views: 2913

Re: Rule of 40,000

letsgobobby wrote:$10 invested daily at 7% per year yields $400,000 after 30 years. Power of compounding, indeed.

Then how about one cent every 1.44 minutes, which is $10 per day? Then you could call it Rule of 40,000,000. It's pretty ridiculous.
by 555
Sat Jan 18, 2014 5:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Rule of 40,000
Replies: 11
Views: 1858

Re: Rule of 40,000

When I first read your post, I thought you were literally saying that $5 would become $200,000 (5 times 40,000) and $10 would become $400,000 in 30 years. which would take an annual gain of 42%, which is ridiculous. Well actually you did literally say that, but perhaps you really mean adding $5 ever...
by 555
Sat Jan 18, 2014 3:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Rule of 40,000
Replies: 11
Views: 1858

Re: Did you have a Lousy Job as a teen / young adult?

It also teaches empathy, and a common basis of experience with those who are less fortunate. I'm appalled at how some of my peers in high school treated maids, the homeless, and others who are perceived to be lower class. It's toned down in the work place, but you can still see echoes of it. Someti...
by 555
Sat Jan 18, 2014 2:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Did you have a Lousy Job as a teen / young adult?
Replies: 127
Views: 4824

Re: Poll: Early retirement investment vehicles

OP, you have listed 4 account types, so there are 2^4=16 possible combinations. But you only listed 9. Why did you choose those 9, and not the other 7? Actually I see OP listed 5 account types roth ira traditional ira 401k pension taxable So there are 2^5=32 possible combinations. But you (OP) only...
by 555
Fri Jan 17, 2014 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Early retirement investment vehicles
Replies: 44
Views: 2913

Re: Poll: Early retirement investment vehicles

OP, you have listed 4 account types, so there are 2^4=16 possible combinations. But you only listed 9. Why did you choose those 9, and not the other 7? Actually I see OP listed 5 account types roth ira traditional ira 401k pension taxable So there are 2^5=32 possible combinations. But you (OP) only...
by 555
Fri Jan 17, 2014 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Early retirement investment vehicles
Replies: 44
Views: 2913

Re: FinCEN Form 114 (Previously Form TD F 90-22.1) [FBAR]

Ugh. I've already registered now. Also exchange rates have been announced. http://www.fms.treas.gov/intn.html I've filled the form, and will submit when I submit my taxes (though I could do it now I suppose). After puzzling my way around the site, it's not so hard to use once you get used to it. It'...
by 555
Fri Jan 17, 2014 3:41 am
 
Forum: Personal Finance (Not Investing)
Topic: FinCEN Form 114 (Previously Form TD F 90-22.1) [FBAR]
Replies: 10
Views: 984
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