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by 555
Mon May 25, 2015 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard automatically convert to Admiral class shares?
Replies: 31
Views: 2555

Re: Will Vanguard automatically convert to Admiral class shares?

One consequence of roundoff error is that the IRS could disagree with your return.
by 555
Mon May 25, 2015 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard automatically convert to Admiral class shares?
Replies: 31
Views: 2555

Re: Will Vanguard automatically convert to Admiral class shares?

Roundoff error could potentially throw a spanner in the works.
by 555
Mon May 25, 2015 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Citi Double Cash Card
Replies: 27
Views: 3606

Re: Question about Citi Double Cash Card

Just got this card (I think). Credit limit only about $6k :annoyed maybe because I opened a couple of other cards very recently. Anyway, I went through all the web pages, and it seemed approved and final. But I haven't got any kind of confirmation email after a few hours. Does anyone who got this r...
by 555
Mon May 25, 2015 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Citi Double Cash Card
Replies: 27
Views: 3606

Re: Question about Citi Double Cash Card

Is it true that if you pay off your entire balance right away every month, you won't get the full 2% cash back? What I have read is that if you pay off a purchase before it appears on the next statement, (i.e. unnecessarily early payoff) you could miss out on that second 1%. Search for "purcha...
by 555
Sun May 24, 2015 6:54 pm
Forum: Personal Consumer Issues
Topic: How to sell a large statue?
Replies: 23
Views: 1751

Re: How to sell a large statue?

Perhaps the statue is actually just one piece from a large chess set. You might have better luck with a sale if you could gather together the whole set.
by 555
Sun May 24, 2015 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Citi Double Cash Card
Replies: 27
Views: 3606

Re: Question about Citi Double Cash Card

Just got this card (I think). Credit limit only about $6k :annoyed maybe because I opened a couple of other cards very recently. Anyway, I went through all the web pages, and it seemed approved and final. But I haven't got any kind of confirmation email after a few hours. Does anyone who got this r...
by 555
Sun May 24, 2015 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: One cent over on HSA, now what?
Replies: 25
Views: 2963

Re: One cent over on HSA, now what?

Thanks, that explains the small deposit. Hopefully the IRS doesn't mind the early $0.01 contribution. It's almost like the States are saying to the IRS, "dare you to say `1 cent is not zero dollars' ". :oops:
by 555
Sun May 24, 2015 3:13 pm
Forum: Personal Consumer Issues
Topic: How to sell a large statue?
Replies: 23
Views: 1751

Re: How to sell a large statue?

Why did they buy it?

At the time that they bought it, what were their plans for this scenario?
by 555
Sun May 24, 2015 2:22 pm
Forum: Investing - Theory, News & General
Topic: John Nash killed in car crash
Replies: 7
Views: 2438

Re: John Nash killed in car crash

:( Some other links. http://www.math.columbia.edu/~woit/wordpress/ http://www.nj.com/middlesex/index.ssf/2015/05/famed_a_beautiful_mind_mathematician_wife_killed_in_taxi_crash_police_say.html http://www.abelprize.no/nyheter/vis.html?tid=63693 http://www.nytimes.com/2015/05/25/science/john-nash-a-bea...
by 555
Sun May 24, 2015 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: One cent over on HSA, now what?
Replies: 25
Views: 2963

Re: One cent over on HSA, now what?

You round down anything < $0.50, so there is nothing to report. An excess contribution left in an HSA account is only subject to a 6% excise tax on that amount. So any amount <= $8.33 would not trigger a tax liability. Yes, but what about a non-zero contribution to an account that's not supposed to...
by 555
Sun May 24, 2015 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Citi Double Cash Card
Replies: 27
Views: 3606

Re: Question about Citi Double Cash Card

Just got this card (I think). Credit limit only about $6k :annoyed maybe because I opened a couple of other cards very recently. Anyway, I went through all the web pages, and it seemed approved and final. But I haven't got any kind of confirmation email after a few hours. Does anyone who got this re...
by 555
Sun May 24, 2015 12:29 am
Forum: Personal Finance (Not Investing)
Topic: One cent over on HSA, now what?
Replies: 25
Views: 2963

Re: One cent over on HSA, now what?

What is the conclusion about these $0.01 contributions?

What happens if your employer opens an HSA account for you and contributes $0.01 in the month before you become legally eligible to have an HSA?
by 555
Sat May 23, 2015 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard automatically convert to Admiral class shares?
Replies: 31
Views: 2555

Re: Will Vanguard automatically convert to Admiral class shares?

What happens with the cost basis information? (In taxable, and assuming all purchases are recent so Vanguard fully tracks all transactions.) Total Cost Basis should stay exactly the same. Your balance isn't changing in any way. The total amount you paid should stay the same as well. The cost per sh...
by 555
Sat May 23, 2015 1:17 pm
Forum: Personal Consumer Issues
Topic: Neighbor hired a surveyor. Should I be nervous?
Replies: 81
Views: 10241

Re: Neighbor hired a surveyor. Should I be nervous?

an_asker wrote:I can see OP's hurt feelings, but I can also see the point of view of those being critical of him.
Perhaps you are referring to the first post on the second page of the comments, which is a completely different person to the first post on the first page of the comments ? :oops:
by 555
Sat May 23, 2015 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard automatically convert to Admiral class shares?
Replies: 31
Views: 2555

Re: Will Vanguard automatically convert to Admiral class shares?

What happens with the cost basis information? (In taxable, and assuming all purchases are recent so Vanguard fully tracks all transactions.) Total Cost Basis should stay exactly the same. Your balance isn't changing in any way. The total amount you paid should stay the same as well. The cost per sh...
by 555
Sat May 23, 2015 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard automatically convert to Admiral class shares?
Replies: 31
Views: 2555

Re: Will Vanguard automatically convert to Admiral class shares?

What happens with the cost basis information? (In taxable, and assuming all purchases are recent so Vanguard fully tracks all transactions.)
by 555
Fri May 22, 2015 4:17 am
Forum: Investing - Theory, News & General
Topic: Teaching 8 year old about stock market...
Replies: 22
Views: 1371

Re: Teaching 8 year old about stock market...

Get him to read and understand this and related topics.
http://en.wikipedia.org/wiki/Brownian_motion
by 555
Wed May 20, 2015 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card w/ 5% Cash Back Rotating Category is Best?
Replies: 37
Views: 4130

Re: Which Credit Card w/ 5% Cash Back Rotating Category is Best?

It's not a question of getting 5% back. I can't even get to step one. Amazon claims these (Sallie Mae) cards don't even exist in the first place. It claims to not recognize the numbers. They simply can't be used on Amazon at all. That is even stranger. I would contact SM and/or Amazon to straighten...
by 555
Wed May 20, 2015 5:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard implements 20 character passwords
Replies: 65
Views: 10411

Re: Vanguard implements 20 character passwords

I realize this is 18 months old, but I cannot find this. How do you change timeout settings these days. I am Flagship and don't have the brokerage account so your pages may look different, but mine work like this when logged in >> My Accounts >> Account maintenance (bottom of 3rd column) >> under S...
by 555
Wed May 20, 2015 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card w/ 5% Cash Back Rotating Category is Best?
Replies: 37
Views: 4130

Re: Which Credit Card w/ 5% Cash Back Rotating Category is Best?

Ok, so I used Sallie Mae card at Walmart Super Center and got 5% cash back. So nice card. With two of them my limit has gone to 500 a month from usual 250 Me too. Unfortunately it seems amazon.com does not recognize these cards. :confused All of my Amazon purchases except digital downloads and Prim...
by 555
Wed May 20, 2015 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card w/ 5% Cash Back Rotating Category is Best?
Replies: 37
Views: 4130

Re: Which Credit Card w/ 5% Cash Back Rotating Category is Best?

amitb00 wrote:Ok, so I used Sallie Mae card at Walmart Super Center and got 5% cash back. So nice card. With two of them my limit has gone to 500 a month from usual 250

Me too. Unfortunately it seems amazon.com does not recognize these cards.
by 555
Wed May 20, 2015 12:26 am
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 161
Views: 9886

Re: How much does social security factor into your retirement income?

To make up for the pessimists, I will state that I expect to receive one googolplex percent of the amount to which I am entitled from Social Security.
by 555
Tue May 19, 2015 10:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard implements 20 character passwords
Replies: 65
Views: 10411

Re: Vanguard implements 20 character passwords

Duckie wrote:Either from the top or the bottom of the page mine works like this:

My Accounts >> Account maintenance >> Security profile >> Timeout settings


I realize this is 18 months old, but I cannot find this.
How do you change timeout settings these days.
by 555
Tue May 19, 2015 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Cautionary tale regarding 401(k) rollover to IRA
Replies: 16
Views: 1820

Re: Cautionary tale regarding 401(k) rollover to IRA

@ cdevers , did this process totally avoid being out of market, or did it just minimize the time? Minimized the time. I forget now, but I think the funds were in transit for about week, give or take. Yikes! A week ! That's still pretty bad. The market can move a lot in that time. Even in a day. It ...
by 555
Tue May 19, 2015 3:13 am
Forum: Investing - Theory, News & General
Topic: Investing in long bonds if close to buying an SPIA ?
Replies: 5
Views: 510

Re: Investing in long bonds if close to buying an SPIA ?

I've wondered about this. The idea is obviously vaguely right, while the reality is more complex. The question I'd be interested in is this. Suppose you plan to initially live off your portfolio (assume no income streams) with the idea that around age 75 or 80 you may annuitize a portion of your ass...
by 555
Tue May 19, 2015 2:10 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Checking
Replies: 23
Views: 2252

Re: Capital One 360 Checking

I also have had Capital One 360 from its ING days. One distinguishing feature between Capital One and Ally (which I've looked into but don't have an account there yet) is that Ally allows both international and domestic wire transfers in, free of charge. Capital One only does domestic. Capital One ...
by 555
Tue May 19, 2015 1:59 am
Forum: Investing - Theory, News & General
Topic: Index fixed income?
Replies: 2
Views: 397

Re: Index fixed income?

Even Vanguard actively manages many of its bond funds.
by 555
Tue May 19, 2015 1:52 am
Forum: Investing - Theory, News & General
Topic: Very misleading graph on stock and bonds price change.
Replies: 10
Views: 1230

Re: Very misleading graph on stock and bonds price change.

It's completely obvious my explanation is right.
No excuses of course for their graphs, but just be aware that you are dealing with complete idiots.
by 555
Mon May 18, 2015 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Cautionary tale regarding 401(k) rollover to IRA
Replies: 16
Views: 1820

Re: Cautionary tale regarding 401(k) rollover to IRA

@cdevers, did this process totally avoid being out of market, or did it just minimize the time?
by 555
Mon May 18, 2015 7:44 pm
Forum: Investing - Theory, News & General
Topic: Money Market Expense Ratios
Replies: 8
Views: 800

Re: Money Market Expense Ratios

Why all the expenses?
Why not just stuff the money into a mattress?
by 555
Mon May 18, 2015 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Cautionary tale regarding 401(k) rollover to IRA
Replies: 16
Views: 1820

Re: Cautionary tale regarding 401(k) rollover to IRA

livesoft wrote:My spouse's 401(k) check sat on the front doormat for more than a day before I noticed it. We didn't mail it anywhere.

Okay, I'll bite.
It was just a stray dividend that was worth less than a postage stamp?
by 555
Mon May 18, 2015 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: adversarial inheritance situation - advice needed.
Replies: 23
Views: 3229

Re: adversarial inheritance situation - advice needed.

Is it too late (statute of limitations) to pursue criminal/civil action for the previous fraud? I cannot fathom why that was not done. There must be more than one sociopath in this family if the appropriate legal action was inhibited.
by 555
Mon May 18, 2015 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Cautionary tale regarding 401(k) rollover to IRA
Replies: 16
Views: 1820

Re: Cautionary tale regarding 401(k) rollover to IRA

The practice of mailing direct rollover checks to the employee to forward to his IRA custodian is entirely normal and is used by the vast majority of plans (for whatever reasons). The issue in your example was either that you were not told how the funds would be distributed or perhaps it was buried...
by 555
Sun May 17, 2015 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Checking
Replies: 23
Views: 2252

Re: Capital One 360 Checking

I started a thread here about looking for a new account. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=165903 I have Capital One 360 Checking, and it's mostly okay, but it looks like Ally has a couple more features I want, so I'll open one there (and keep both for a while). They both do t...
by 555
Sun May 17, 2015 2:20 pm
Forum: Personal Consumer Issues
Topic: Keep underground storm cellar (in Florida)?
Replies: 26
Views: 1129

Re: Keep underground storm cellar (in Florida)?

Build a shed over it, so the shed can collapse into the hole. Then watch your neighbors.
by 555
Sun May 17, 2015 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Which online banks accept incoming wires (and are generally good).
Replies: 13
Views: 866

Re: Which online banks accept incoming wires (and are generally good).

Thanks for the suggestions everyone. I've been checking out the websites. It's certainly good to know I could receive wires at Vanguard if necessary, though I don't have or want a MM fund, and I couldn't find anything on their website, so I wouldn't want that to be my only wire option. Anyway, I use...
by 555
Sun May 17, 2015 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Which online banks accept incoming wires (and are generally good).
Replies: 13
Views: 866

Re: Which online banks accept incoming wires (and are generally good).

Are you talking incoming foreign or domestic wire? I believe some banks that claim to offer fee-free incoming foreign wires must go through an intermediary with a Swift code, and their fee will be passed on to you. Ally, possibly, according to discussions on Fatwallet. It's actually from USForex, a...
by 555
Sun May 17, 2015 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Which online banks accept incoming wires (and are generally good).
Replies: 13
Views: 866

Re: Which online banks accept incoming wires (and are generally good).

Hmmm, Alliant and Ally are very similar names, but I assume there's no connection, right?
by 555
Sun May 17, 2015 11:27 am
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 161
Views: 9886

Re: How much does social security factor into your retirement income?

The old 3 legged stool, income is about one third each-investments, pensions, and SS. I have a 1-legged stool. Zero percent social security. Zero percent pensions. One hundred percent investments. That's not an assumption. That's reality. That's odd. Because most people who do not pay into SS durin...
by 555
Sun May 17, 2015 11:14 am
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 161
Views: 9886

Re: How much does social security factor into your retirement income?

What prompted the question was this Gallup poll saying only 36% of not-yet-retired people expect to rely heavily on SS income in retirement. (article: http://www.gallup.com/poll/182921/nonretirees-expect-rely-social-security.aspx ) The overwhelming thing to take away from that poll is that most peo...
by 555
Sun May 17, 2015 4:05 am
Forum: Personal Finance (Not Investing)
Topic: Which online banks accept incoming wires (and are generally good).
Replies: 13
Views: 866

Which online banks accept incoming wires (and are generally good).

I'm ditching my local credit union accounts (for various reasons, doesn't matter here). That will just leave me with a Capital One 360 (used to be ING Direct) online checking/savings account. I'm mostly okay with this account, but one missing feature is that they don't accept incoming wires, which i...
by 555
Sun May 17, 2015 12:23 am
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 161
Views: 9886

Re: How much does social security factor into your retirement income?

4ransom wrote:The old 3 legged stool, income is about one third each-investments, pensions, and SS.
I have a 1-legged stool.
Zero percent social security.
Zero percent pensions.
One hundred percent investments.
That's not an assumption. That's reality.
by 555
Sat May 16, 2015 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Two purchases in one day. One tax lot or two?
Replies: 17
Views: 1380

Re: Two purchases in one day. One tax lot or two?

On the page "Cost basis summary"-->"Unrealized gains and losses" it does come up as three separate lots. Naturally, since there has been no time for price to change, each lot shows a (Short-term and Total) gain/loss of $0.00 for each of the three lots. But here's where it gets i...
by 555
Sat May 16, 2015 1:26 pm
Forum: Personal Consumer Issues
Topic: Is the Post Office slowing down First Class Parcel delivery?
Replies: 25
Views: 2368

Re: Is the Post Office slowing down First Class Parcel delivery?

I don't mind packages being slow, to get cheap postage on a non-urgent item. I do mind when packages don't arrive at all or totally disappear. I was expecting a package today that tracking said was "out for delivery" but then changed to "undeliverable". I totally call BS on that...
by 555
Sat May 16, 2015 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Two purchases in one day. One tax lot or two?
Replies: 17
Views: 1380

Re: Two purchases in one day. One tax lot or two?

I don't know yet, that's why I was asking. I'll do the experiment and report back. Okay, I've done the experiment. Three purchases of the same mutual fund, funded from the same bank, all done on the Vanguard website within a few minutes, same trade date, though 3 different dollar amounts. On the pa...
by 555
Fri May 15, 2015 11:47 pm
Forum: Personal Consumer Issues
Topic: Is the Post Office slowing down First Class Parcel delivery?
Replies: 25
Views: 2368

Re: Is the Post Office slowing down First Class Parcel delivery?

I don't mind packages being slow, to get cheap postage on a non-urgent item. I do mind when packages don't arrive at all or totally disappear. I was expecting a package today that tracking said was "out for delivery" but then changed to "undeliverable. I totally call BS on that. I bet...
by 555
Fri May 15, 2015 11:07 am
Forum: Personal Consumer Issues
Topic: PDF file locking up computer
Replies: 20
Views: 1289

Re: PDF file locking up computer

adamthesmythe wrote:For a piece of mass-market software Acrobat is fairly extremely buggy.

The primary purpose of Adobe PDF software is to crash everything in sight. It always has been that way. It always will be.
by 555
Fri May 15, 2015 11:01 am
Forum: Investing - Theory, News & General
Topic: Weird CommBank(Australia) Term Deposit Rates
Replies: 6
Views: 499

Re: Weird CommBank(Australia) Term Deposit Rates

Is this in AUD or US Dollars? Australian interest rates are significantly higher. These are interest rates for Australian Term Deposit in Australian dollars at the Commonwealth Bank of Australia. Australian interest rates are probably at all time lows at the moment, see here. http://www.global-rate...
by 555
Fri May 15, 2015 10:58 am
Forum: Investing - Theory, News & General
Topic: Very misleading graph on stock and bonds price change.
Replies: 10
Views: 1230

Re: Very misleading graph on stock and bonds price change.

HurdyGurdy I explained what is happening.
by 555
Thu May 14, 2015 9:46 pm
Forum: Investing - Theory, News & General
Topic: Very misleading graph on stock and bonds price change.
Replies: 10
Views: 1230

Re: Very misleading graph on stock and bonds price change.

Probably the bar graphs are auto-scaled to make the tallest bar a specified max length.

Then the green bar graph, and the red bar graph, were treated as two separate bar graphs, and so the abovementioned auto-scaling was done independently for each.

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