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Re: Upcoming distributions and TLH

Is avoiding buying right before a distribution really something to be concerned about in most cases? Yes, you have to pay tax on the distribution but as it adds to your cost basis don't you pay less tax when you finally sell?
by AAA
Tue Dec 16, 2014 9:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Upcoming distributions and TLH
Replies: 17
Views: 1119

Re: Used Volvo S60 T5

dansmail26 wrote:I wouldn't even consider the Honda if you were even thinking of a Volvo, especially a 2012. If it's at a dealer especially, they put all kinds of special warranty's on it!


Yes, if I recall the used car Volvo warranty was very good.
by AAA
Mon Dec 15, 2014 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Used Volvo S60 T5
Replies: 10
Views: 875

Re: Used Volvo S60 T5

Interested in hearing replies as I bought a new 2014 Volvo S60 T5 earlier this year. I wasn't really considering it but they had a good deal as it was being updated with a newer model. I had some reservation as Consumer's rated the reliability as average. I don't really know what that means as most ...
by AAA
Sun Dec 14, 2014 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Used Volvo S60 T5
Replies: 10
Views: 875

Re: Account Security Question

Would you rather they answer questions about your account over the phone from any random person who calls and claims to be you? A PIN number is at least much more secure than the standard nonsense of giving your address and last 4 of your social or account number which is all some banks ask for to ...
by AAA
Mon Dec 08, 2014 6:28 pm
 
Forum: Personal Consumer Issues
Topic: Account Security Question
Replies: 5
Views: 614

Re: Account Security Question

I guess a broader question is how secure is the phone compared to the internet where at least the information is encrypted? Some places ask you to enter your social security number etc. on the phone. How does that compare to entering on a secure web site?
by AAA
Mon Dec 08, 2014 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Account Security Question
Replies: 5
Views: 614

Account Security Question

When I call the entity that handles my company's benefits and the broker that handles my company's 401K, I am asked to enter on the phone keypad the alphanumeric password I use to access their websites. I am wondering what the security experts on this forum think of such a practice.

Thanks.
by AAA
Mon Dec 08, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Account Security Question
Replies: 5
Views: 614

Re: Vanguard offers login security code

The terms and conditions Vanguard requires for using this feature include the paragraph below. What does this mean and under what circumstances might it be called into play? You hereby agree to indemnify and hold harmless Vanguard and its affiliates, subsidiaries, directors, officers, employees, age...
by AAA
Sun Dec 07, 2014 8:36 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 96
Views: 14065

Re: Florescent lights

I think a large percentage of the questions asked on these forums could be answered by telling the questioner to google it, but that won't help anyone else who also might be interested in the information nor will it stimulate a possibly useful conversation. Also, googling often leads to a wide diver...
by AAA
Fri Nov 28, 2014 5:48 pm
 
Forum: Personal Consumer Issues
Topic: Florescent lights
Replies: 20
Views: 1558

Re: Movie dialog, "The Social Network." Hard to hear?

I have also noticed that it is sometimes hard for me to pick up the dialogue in movies and t.v. shows when there is loud background music or noise present. It can be quite annoying as I simply cannot make out what the actor is saying, despite playing it back several times. Of course, it could be me,...
by AAA
Sat Nov 22, 2014 6:57 pm
 
Forum: Personal Consumer Issues
Topic: Movie dialog, "The Social Network." Hard to hear?
Replies: 15
Views: 2275

Re: Apple Stock - Seems great, right?

A few years ago I was reading some financial website story about Apple. The stock was around $14 at the time. They said the company had so much cash that in effect you were buying each share for about $4. It sounded intriguing to me but I had never bought an individual stock and didn't go for it. I ...
by AAA
Sat Nov 22, 2014 11:54 am
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 11083

Re: Best book on Medicare?

I found Medicare for Dummies 2014 in my library earlier this year and took it out. It was pretty good and very complete to the point that I was able to skip a lot of sections.
by AAA
Sat Nov 22, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Best book on Medicare?
Replies: 3
Views: 472

Re: Apple Stock - Seems great, right?

In order to maintain their market leadership, Apple needs to continue coming out with new products, not just refinements of current products. Part of the genius of Steve Jobs was finding those new markets and products and developing products to fit it. It remains to be seen how well Apple will do t...
by AAA
Fri Nov 21, 2014 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 11083

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

> This whole thread is over $10, $20??? LOL.

$30 difference right now on Amazon. And speaking for myself, besides the extra cost there's the customer unfriendly attitude which is not new for Intuit.
by AAA
Fri Nov 21, 2014 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 140
Views: 16640

Re: Apple Stores - do they try to be awful?

I may have only been in one Apple store, but I found it extremely loud, to the point that I could barely hear what the employee was saying. Is that something that they do intentionally for some psychological reason?
by AAA
Tue Nov 18, 2014 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 3722

Re: Vacation in France

...and if you go, just watch out for the pickpockets in Paris, unless things have changed since I was there many years ago.
by AAA
Tue Nov 18, 2014 5:55 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 6611

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

It seems TurboTax has a habit of doing things to annoy its customers. If I recall, a couple of years ago there was a big uproar because of restrictions on using the program for more than one return. I don't think needing Schedule D implies that one's return is overly complicated to the point of requ...
by AAA
Sun Nov 16, 2014 8:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 140
Views: 16640

Re: The safest 4 door sedan out there

In a case of something like this one has to ask if that "recommended/not recommended" is not based on small differences around an arbitrary cutoff. True. I have contacted the person running informedforlife.org a couple of times over the years with questions and he has been very responsive...
by AAA
Wed Oct 29, 2014 7:37 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4630

Re: Upgraded to OS X 10.10 Yosemite

I really wish these computer companies would leave things alone for a while. I'm a Mac user, but don't use most of the new features that seem to come and go with all these OS changes and which can have the effect of making some programs stop working. Are consumers really demanding these things?
by AAA
Fri Oct 17, 2014 8:11 pm
 
Forum: Personal Consumer Issues
Topic: Upgraded to OS X 10.10 Yosemite
Replies: 38
Views: 4781

Re: Cloning and File Backup to Same External Hard Drive?

I don't know the details of Carbon Copy Cloner as I switched from it to SuperDuper years ago. But to be safe, you could partition the drive into two separate parts, one for the backup and one for the other stuff. Just be sure to make the backup partition big enough to hold your current system and an...
by AAA
Tue Sep 30, 2014 8:04 pm
 
Forum: Personal Consumer Issues
Topic: Cloning and File Backup to Same External Hard Drive?
Replies: 2
Views: 303

Re: terminology in legal contracts

Years ago, I hired a company to cater an event and the contract had similar language. I went to my lawyer because I also found it very disturbing, like I was agreeing to insure the company. I believe his advice was to add a phrase such as "except in the event of liability by the company." ...
by AAA
Sat Sep 13, 2014 10:11 am
 
Forum: Personal Consumer Issues
Topic: terminology in legal contracts
Replies: 10
Views: 980

Re: Refrigerator problem

Cleaning coils of the refrigerator is a myth. Do a google search. It does nothing to save energy or to make the refrigerator run more efficiently. As someone who tries to clean the coils regularly, at least once every three months, I was surprised to read this post. I did a google search and saw se...
by AAA
Thu Sep 11, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Refrigerator problem
Replies: 20
Views: 1769

Re: Anyone have a Nest learning thermostat?

I just checked out this item on Amazon and it costs $249, if it's the one you mean.

Unless you have unusually large heating bills, I would imagine it would take a very long time to recoup the cost of this thermostat, especially compared to the simpler one you are already using.
by AAA
Sat Sep 06, 2014 8:44 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have a Nest learning thermostat?
Replies: 19
Views: 1686

Capital Gains Tax

If you are in the 15% tax bracket, say single and making <$36,900, then the tables say there is 0% tax rate on long-term gains. If you make $37,000, and are thus in the 25% marginal bracket, the table say it's 15%. Is this an all-or-none situation? That is, does making $100 more mean all of your gai...
by AAA
Sat Aug 30, 2014 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Capital Gains Tax
Replies: 3
Views: 532

Re: Simplisafe Home Security Systems

I've had a system from them for a couple of years and wouldn't hesitate to recommend them. The equipment seems reliable and the customer service is good (although there were some complaints a couple of years ago that they were not available on weekends - I don't know if that's changed as I haven't h...
by AAA
Mon Aug 18, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security Systems
Replies: 35
Views: 3212

Re: Getting my electric supplied by Agway?

When electric choice came to Pennsylvania, I switched suppliers from PECO. Soon after, I got a letter from the supplier informing me that they were dropping out of the market. The same thing happened with the next two suppliers I chose. I finally said the heck with it and went back to PECO. My elect...
by AAA
Sat Aug 09, 2014 8:00 pm
 
Forum: Personal Consumer Issues
Topic: Getting my electric supplied by Agway?
Replies: 4
Views: 340

Re: Is Medigap insurance really needed?

My understanding is that there is no out-of-pocket limit in traditional Medicare (as opposed to a Medicare Advantage plan). That's what Medigap insurance is for.
by AAA
Sat Aug 02, 2014 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4719

Re: Question about HSA and FSA

Last year, I had an HSA and a FSA through my employer. The FSA, I believe, was limited to vision and dental. I contributed to it because I didn't otherwise have vision coverage and knew several family members were going to get new eyeglasses.
by AAA
Wed Jul 30, 2014 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about HSA and FSA
Replies: 12
Views: 582

Re: Insurance premiums for renewals versus current

Wouldn't you get a discount by combining home and auto with one company?
by AAA
Sun Jul 13, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance premiums for renewals versus current
Replies: 11
Views: 1126

Re: Made a Mistake by Maxing out 401k - Need Advice

I generally max out my 401K before the end of the year but my employer continues to do the match. Is that then something particular to them and not all 401K's administrators? I think the term "safe harbor" may have been used.
by AAA
Sat Jul 12, 2014 9:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Made a Mistake by Maxing out 401k - Need Advice
Replies: 16
Views: 3875

Re: Frustration with medical providers

In addition to unexpected health issues, what if you have an accident and need medical care?
by AAA
Fri Jun 13, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Frustration with medical providers
Replies: 24
Views: 1779

Re: How Do You Transfer Your Money?

If I may add a question to this thread - I have linked my Vanguard account with my credit union checking account and can, from Vanguard, initiate a transfer from a Vanguard money market fund to the CU or vice versa, based on information about my CU that I originally gave to Vanguard. I never actuall...
by AAA
Fri Jun 06, 2014 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Do You Transfer Your Money?
Replies: 24
Views: 2728

Re: Medicare questionnaire legit?

Is "sscritic" a slightly disguised abbreviation for "sarcastic?"
by AAA
Sat Apr 26, 2014 8:59 pm
 
Forum: Personal Consumer Issues
Topic: Medicare questionnaire legit?
Replies: 9
Views: 2116

Question about e-filing

I've never done it, much preferring to have in hand exactly what is sent to the IRS, but with some recent angst about mail delivery I might consider it in the future. I use TurboTax and was wondering if you get an opportunity to see what is actually submitted. Won't it be in some non-readable format...
by AAA
Sat Mar 29, 2014 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about e-filing
Replies: 3
Views: 359

Re: water heater purchase from Amazon

I agree. I like Amazon for many things but not something like this. In fact, I'd let the plumber get it for me even with a markup. The reason - if there's a problem, he's responsible for exchanging it and he'll come back with another one.
by AAA
Sat Mar 29, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: water heater purchase from Amazon
Replies: 12
Views: 1275

Re: Where do you buy organic nuts

I don't think it is necessary to buy fruits, vegetables, nuts, and so on, grown organically if these foods have a skin, peel, rind, and so on, that I am not going to eat. Bananas, melons, and kiwi come to mind. If I do intend to eat these coverings (berries, apples, and the like), I do buy organic....
by AAA
Wed Mar 26, 2014 8:24 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy organic nuts
Replies: 11
Views: 668

Re: Risk in Mailing Check

It is even easier than that. With the information on the check, a completely new check can be printed out on any printer or ordered if the thief is very low check and written out very neatly or even typed. It has never happened to me but I have not mailed a check in many years now. That's true. I'v...
by AAA
Sat Mar 08, 2014 6:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Risk in Mailing Check
Replies: 18
Views: 1679

Re: Any Subaru owners out there?

One thing I read about Subaru's all-wheel drive - all four tire circumferences must be similar within a certain spec. So if you have, say, 15,000 miles on the tires and one gets damaged, you may have to replace all four. That's about the only downside I've heard about Subarus and am planning to get ...
by AAA
Fri Mar 07, 2014 8:39 pm
 
Forum: Personal Consumer Issues
Topic: Any Subaru owners out there?
Replies: 53
Views: 5079

Re: Risk in Mailing Check

[quote="CABob"]The check could be "washed" removing the Payee and amount replaced by othr names and numbers then cashed./quote]

Don't they recommend using a gel pen to avoid this possibility?
by AAA
Fri Mar 07, 2014 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Risk in Mailing Check
Replies: 18
Views: 1679

Re: Trusting My Auto Mechanic

Do you know:

o when they were last replaced and what the mileage was?

o what is the average milage interval that you have replaced them in the past?

That might give you an indication if they are close to needing replacement at this time.
by AAA
Thu Mar 06, 2014 6:02 pm
 
Forum: Personal Consumer Issues
Topic: Trusting My Auto Mechanic
Replies: 14
Views: 1322

Re: Buying from Amazon vs direct seller price/shipping time?

I think Amazon uses generic shipping date calculations and your purchase could come sooner.
by AAA
Wed Mar 05, 2014 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Buying from Amazon vs direct seller price/shipping time?
Replies: 8
Views: 746

Re: Total Bond Mkt Index vs. Short-Term Investment Grade Bon

livesoft wrote:Other than that, you are really asking folks to predict the future. One can safely assume that the current yields for those durations already have built-in everyone's guess at the future.


Can you explain what those current yields imply about everyone's guess at the future?
by AAA
Mon Mar 03, 2014 9:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Mkt Index vs. Short-Term Investment Grade Bond
Replies: 6
Views: 546

Total Bond Mkt Index vs. Short-Term Investment Grade Bond

I currently have some Total Bond in a Roth account and was surprised to notice that its current yield is just 2.23% with an average duration of 5.4 years. As for S-T Inv. Grade, it's yielding 1.49% with duration of 2.3 years. I realize these two funds invest in different things, but my question real...
by AAA
Mon Mar 03, 2014 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Mkt Index vs. Short-Term Investment Grade Bond
Replies: 6
Views: 546

Re: TurboTax handling of 1099-MISC

It was showing up on line 21 of form 1040.
by AAA
Mon Feb 24, 2014 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax handling of 1099-MISC
Replies: 6
Views: 577

Re: TurboTax handling of 1099-MISC

Only Box 3 (Other Income) is filled in the 1099-MISC. By "most appropriate box" I meant - TT asks why you received this form and I checked "I received this money for something not related to my regular line of work." Their Explain This window gave as an example a math teacher who...
by AAA
Mon Feb 24, 2014 8:09 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax handling of 1099-MISC
Replies: 6
Views: 577

TurboTax handling of 1099-MISC

In doing the federal return for one of my children, I entered information for a 1099-MISC from an organization that told me it was considered earned, taxable income. I so indicated to TurboTax (TT) by checking the box that seemed most appropriate to describe the income. When all done, I noticed that...
by AAA
Sun Feb 23, 2014 8:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax handling of 1099-MISC
Replies: 6
Views: 577

Re: Estimated Tax Payments

I usually skip the section where TT asks about figuring estimated tax. You can do that if it seems unreasonable.
by AAA
Sun Feb 23, 2014 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax Payments
Replies: 33
Views: 1770

Re: Data security (removing old TaxAct files)

Google secure delete. The answer will depend on the operating system you are using. I wish people in this forum would not reply to posts with just a suggestion to Google it. Did you google it? I did before I posted so I knew that there were going to be good answers. I guess I could have copied and ...
by AAA
Thu Feb 20, 2014 10:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Data security (removing old TaxAct files)
Replies: 12
Views: 768

Re: Data security (removing old TaxAct files)

Google secure delete. The answer will depend on the operating system you are using. I wish people in this forum would not reply to posts with just a suggestion to Google it. First, the person asking the question may not be adept at understanding the technicalities of what he may find with Google, o...
by AAA
Thu Feb 20, 2014 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Data security (removing old TaxAct files)
Replies: 12
Views: 768

Re: It it a good investment to repair a leaking faucet?

LOL. I've done very basic kinds of plumbing things like replacing washers and valve seats in faucets. A couple of years ago I contacted Moen about my dripping kitchen faucet and they sent me the replacement cartridge. I watched the online videos several times and read the instruction sheet several t...
by AAA
Wed Feb 19, 2014 8:33 pm
 
Forum: Personal Consumer Issues
Topic: It it a good investment to repair a leaking faucet?
Replies: 9
Views: 839

Re: Son's I bond redeemed and received 1099 INT

chaz wrote:Also look at IRS Pub 17.


Directing someone who may not be very experienced with tax issues to a 288 page IRS document can't be all that helpful.
by AAA
Sun Feb 16, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Son's I bond redeemed and received 1099 INT
Replies: 13
Views: 1010
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