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Re: Improving English Language Proficiency- Please suggest B

Actually, English has changed dramatically over the centuries already. That doesn't mean that a well-educated person ignores current spelling and grammar; to do so makes them seem ignorant. Well call me ignorant, but I refuse to abide by a select few of the spelling changes that Noah Webster manage...
by Alex Frakt
Thu Mar 26, 2015 2:15 am
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 39
Views: 2215

Re: Need a tablet maybe

I tried an android b/c it was cheaper but found it very awkward to surf or email or change apps or use youtube and I found an apple is much more user friendly and easily worth the extra cost. I'm the opposite, to me everything about the user interface seems backward on an iPad. I find them very fru...
by Alex Frakt
Thu Mar 26, 2015 12:33 am
 
Forum: Personal Consumer Issues
Topic: Need a tablet maybe
Replies: 26
Views: 1782

Re: Improving English Language Proficiency- Please suggest B

Actually, English has changed dramatically over the centuries already. That doesn't mean that a well-educated person ignores current spelling and grammar; to do so makes them seem ignorant. Well call me ignorant, but I refuse to abide by a select few of the spelling changes that Noah Webster manage...
by Alex Frakt
Thu Mar 26, 2015 12:26 am
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 39
Views: 2215

Re: Need a tablet maybe

I bought this $139 8" Lenovo IdeaTab - http://www.amazon.com/Lenovo-IdeaTab-A8-50-8-Inch-Tablet/dp/B00JAIEAU4?tag=bogleheads.org-20 - for my mother-in-law. She likes it very much and uses it for web surfing, e-mail, Skype video and voice calls, and taking photos and videos of the grandkids. Fro...
by Alex Frakt
Wed Mar 25, 2015 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Need a tablet maybe
Replies: 26
Views: 1782

Re: Obamacare subsidy and Roth IRA conversion

It should be included in MAGI (Modified AGI) as a deduction because it's an "anomaly" to include it and it's not part of disposable income, so to speak. In fact, we are paying extra taxes for the conversion, therefore reducing disposable income, and thus less afford health insurance if no...
by Alex Frakt
Wed Mar 25, 2015 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obamacare subsidy and Roth IRA conversion
Replies: 13
Views: 2271

Re: Help w/ adult child hard-wired for poor financial decisi

I have to shut this down. It's not really a financial discussion and issues of interpersonal financial dynamics are beyond the scope of our allowable topics. I do appreciate the level of civility displayed in the responses. We may try to figure out a way to tweak our rules to allow such discussions...
by Alex Frakt
Wed Mar 25, 2015 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help w/ adult child hard-wired for poor financial decisions?
Replies: 45
Views: 4624

Re: Building a new house. Any recommendations?

Some previous threads on this topic: http://www.bogleheads.org/forum/viewtopic.php?p=539899 http://www.bogleheads.org/forum/viewtopic.php?f=11&t=148681 http://www.bogleheads.org/forum/viewtopic.php?f=11&t=107851 http://www.bogleheads.org/forum/viewtopic.php?f=11&t=73130 http://www.bogleh...
by Alex Frakt
Tue Mar 24, 2015 11:51 pm
 
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 41
Views: 3008

Re: CNBC - "401(k) plans have fallen short"

Locked. This isn't an investing subject, it a corporate policy subject mixed with a little off-topic "discussions of the crimes, shortcomings or stupidity of other people". .
by Alex Frakt
Tue Mar 24, 2015 11:37 pm
 
Forum: Investing - Theory, News & General
Topic: CNBC - "401(k) plans have fallen short"
Replies: 4
Views: 825

Re: Where do I learn how much one SHOULD spend on a home?

Why buy? Well, the reason I figured I need to buy is for financial reasons only. That way my money is going toward equity. Today, I'm wasting $1,800/month on rent alone for a small rambler built in 1969. Rent is high, I figure a mortgage after taxes and all would be a few hundred less a month, and ...
by Alex Frakt
Tue Mar 24, 2015 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do I learn how much one SHOULD spend on a home?
Replies: 64
Views: 5020

Re: Improving English Language Proficiency- Please suggest B

Epsilon delta - I love to read, and in fact, my English is as good as it is, mostly because of reading (read quite a few books by Sidney Sheldon while in college). The reason, why I also wanted a grammar book is there are times when I have to think about rules before I say or write something. So, I...
by Alex Frakt
Tue Mar 24, 2015 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 39
Views: 2215

Re: [Neighbor violating HOA rules by using] VBRO and Airbnb

This is the HOAs responsibility. Here's how this was handled in my condo building, which has professional property management and a Board with a low tolerance for people violating our rules. We have a 6-month minimum on rentals. One person put up their unit on Airbnb. Someone spotted it and notified...
by Alex Frakt
Tue Mar 24, 2015 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: [Neighbor violating HOA rules by using] VBRO and Airbnb
Replies: 38
Views: 3834

Re: What won't you pay with Credit Card?

Reopening after removal of several off-topic posts.
by Alex Frakt
Mon Mar 23, 2015 1:11 pm
 
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 8162

Re: Need a new sub-forum for guns?

It's probably just me but I don't see the point of asking gun questions on an investing forum. I wouldn't go to a gun forum to get investing advice. I wouldn't go to a craft forum for gardening advice. ... I think people develop a sense of belonging to a community when they are active on a forum fo...
by Alex Frakt
Sun Mar 22, 2015 11:33 pm
 
Forum: Forum Issues and Administration
Topic: Need a new sub-forum for guns?
Replies: 17
Views: 1560

Re: Whats a good Pistol to buy?

I agree with a large portion of the recommendations here, although I'd highlight: - Make darn sure you understand all firearm and handgun laws for all country, states & localities that you plan to RV through. CA is probably the worst US state to own a handgun in. Very minor infractions to gun l...
by Alex Frakt
Sat Mar 21, 2015 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 109
Views: 7671

Re: foreign investor: 0% tax on capital gain, 30% on dividen

It appears to me that your underlying issue is finding the best way for someone from country ___ to invest. While using a US brokerage may be the least costly method up front, tax issues may dictate that another approach is preferable in the long run. This is outside my area of knowledge, but perhap...
by Alex Frakt
Sat Mar 21, 2015 12:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax efficient investing for a non-resident alien?
Replies: 7
Views: 390

Re: foreign investor: 0% tax on capital gain, 30% on dividen

Why use a US brokerage at all if you do not live here?
by Alex Frakt
Sat Mar 21, 2015 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax efficient investing for a non-resident alien?
Replies: 7
Views: 390

Re: Hearse as daily driver?

Hearse and funeral car collecting and modding is an established, if smallish, part of US car culture. Here's a google search to get you started: https://www.google.com/search?q=hearse+collectors+club
by Alex Frakt
Fri Mar 20, 2015 11:23 pm
 
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 3602

Re: Whats a good Pistol to buy?

Just a note on travelling through states with a firearm (as opposed to residents travelling within their own state). Federal law allows you to transport unloaded firearms and ammunition as long as they are in an inaccessible trunk or locked container other than a console or glovebox. This trumps any...
by Alex Frakt
Fri Mar 20, 2015 10:57 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 109
Views: 7671

Re: Portfolio Review 32/37 year olds

I'll start this off. The first point is you are doing fine, there are no glaring problems with your plans or holdings. I suspect this is actually why you haven't received more responses. I'm just going to address a couple of your questions, I hope (once this is bumped), others will fill in the rest....
by Alex Frakt
Fri Mar 20, 2015 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review 32/37 year olds
Replies: 6
Views: 1059

Re: Trusts taxes distributions

bump following delayed moderator approval
by Alex Frakt
Fri Mar 20, 2015 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trusts taxes distributions
Replies: 4
Views: 382

Re: Job Opportunity

bump following delayed moderator approval
by Alex Frakt
Fri Mar 20, 2015 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job Opportunity
Replies: 5
Views: 545

Re: Need tax loss to offset capital gain [from property sale

You do understand that tax losses mean you have an actual loss of value in the investment? So what you are asking is for a way to lose $161,000 in investments so you won't have to pay $24,150 in capital gains taxes. If you have millions of dollars worth of stocks in a taxable account, the normal flu...
by Alex Frakt
Fri Mar 20, 2015 12:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need tax loss to offset capital gain [from property sale]
Replies: 9
Views: 460

Re: [Poll] Do you have an auto loan?

I'm in the "Buy new and run it into the ground" camp. Here are my car purchases (price is for everything except sales tax) - 1991 Peugeot 405 - $10k - paid cash (got it for 40% off invoice when Peugeot abandoned the US market) - 1997 Subaru Outback Sport - $17k - took a 5 year loan, paid o...
by Alex Frakt
Thu Mar 19, 2015 11:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] Do you have an auto loan?
Replies: 63
Views: 3450

Re: >$250,000 portfolios with Vanguard? Insurance?

http://www.sipc.org/for-investors/what-sipc-protects SIPC protects against the loss of cash and securities – such as stocks and bonds – held by a customer at a financially-troubled SIPC-member brokerage firm. The limit of SIPC protection is $500,000, which includes a $250,000 limit for cash. Most cu...
by Alex Frakt
Thu Mar 19, 2015 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: >$250,000 portfolios with Vanguard? Insurance?
Replies: 19
Views: 2994

Re: Book on Economics

Locked. It's nearly impossible to separate politics from economics at this level.
by Alex Frakt
Thu Mar 19, 2015 6:37 pm
 
Forum: Personal Consumer Issues
Topic: Book on Economics
Replies: 2
Views: 444

Re: Children's Swingset

Are these kids boys or girls? Sorry to be sexist but a tree house/swing set is probably okay for girls but boys would probably do better with stacks of boards/lumber, wooden boxes, and some shovels to dig and build forts. Sad but true the dirtier the kids get the more fun they're having. My son goe...
by Alex Frakt
Thu Mar 19, 2015 10:41 am
 
Forum: Personal Consumer Issues
Topic: Children's Swingset
Replies: 43
Views: 2557

Re: Should William McNabb III be chairman of Vanguard's boar

This thread has been reported as off-topic. Generally speaking, question about any company's internal governance would be off topic as non-actionable except in the context of whether to invest in or - in the case of a financial institution - with that company. So in order to keep this thread open, ...
by Alex Frakt
Wed Mar 18, 2015 11:55 pm
 
Forum: Investing - Theory, News & General
Topic: Should William McNabb III be chairman of Vanguard's board?
Replies: 8
Views: 1286

Re: Mr. Money Mustache: Hero or Foolish?

Millennial followers of MMM might want to ask their parents about The Whole Earth Catalog and Mother Jones magazine. Mother Jones is still around, but is, and always has been, political in orientation. Perhaps you're thinking of The Mother Earth News . Also still around, but much changed in style, ...
by Alex Frakt
Fri Feb 13, 2015 1:08 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 70922

Re: What is the BH consensus on international bonds?

So either you need to time the market, or you truly have to believe that over long enough periods of time there will be a hair-thin net benefit. (Which is exactly what Vanguard says--over the not-actually-very-long period of time they looked at, there was a spider-silk-thin average net benefit). We...
by Alex Frakt
Fri Feb 13, 2015 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: What is the BH consensus on international bonds?
Replies: 54
Views: 4004

Re: Mr. Money Mustache: Hero or Foolish?

I think the blog is a reflection of a cultural shift, think tiny house movement or living off grid. It's not a shift, it's the current iteration of a subculture that dates back at least to Epicurus, but has been more generally practiced since the mid-1800s when the aftermath of the industrial revol...
by Alex Frakt
Fri Feb 13, 2015 12:26 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 70922

Re: What is the BH consensus on international bonds?

If you are holding bonds for stability, then it doesn't make sense to use securities that are subject to major currency fluctuations. I did consider a fund that held Int. bonds. Glad now that I did not. Wasn't worth the extra currency risk. Vanguard's Total International Bond Index Fund hedges its ...
by Alex Frakt
Fri Feb 13, 2015 11:45 am
 
Forum: Investing - Theory, News & General
Topic: What is the BH consensus on international bonds?
Replies: 54
Views: 4004

Re: What is the BH consensus on international bonds?

Consensus is probably too strong a word. However, I think it's fair to say that most Bogleheads have a 0% planned allocation to international bonds (although they may hold some anyway because Vanguard has added them.to various funds in the last couple of years) If you are holding bonds for stability...
by Alex Frakt
Fri Feb 13, 2015 2:06 am
 
Forum: Investing - Theory, News & General
Topic: What is the BH consensus on international bonds?
Replies: 54
Views: 4004

Re: age 30... [portfolio advice requested]

FYI, I edited the title from "If you could start over at age 30...". On the subforums with Personal in the title, questions need to be about your situation. If you have a general (i.e., not personal) investing question, please ask it in Investing - Theory, News & General.
by Alex Frakt
Fri Feb 13, 2015 1:57 am
 
Forum: Investing - Help with Personal Investments
Topic: age 30... [portfolio advice requested]
Replies: 22
Views: 2663

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

I'd first make sure all active Bogleheads sign the petition - post a message on the homepage (temporarily) and/or send an email to all registered users. I'm not going to do either of those things. The first suggestion seems self-serving to me. I'm happy to provide a place for people to discuss it a...
by Alex Frakt
Fri Feb 13, 2015 1:44 am
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 11556

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

OMG.....we have 330 and need 99,670 more signatures by four weeks from tomorrow !! It'll take over 3,500 signatures per day to do this. We need all BH's to sign right away. Realistically, bogleheads.org readers won't be able to do this on our own. It'll have to spread to other sites. Maybe our vari...
by Alex Frakt
Thu Feb 12, 2015 12:45 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 11556

Re: Forgot to take RMD.. now what?

Please note, advising someone to break the law is unacceptable on this forum.
by Alex Frakt
Thu Feb 12, 2015 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Forgot to take RMD.. now what?
Replies: 27
Views: 2860

Re: Reuters: The Case for an Efficient Cup of Coffee

Locked. A reminder from the forum policies: UNACCEPTABLE TOPICS Non-actionable (Trolling) Topics... - discussions of the crimes, shortcomings or stupidity of other people , whether they be political figures, celebrities, CEOs, Fed chairmen, subprime mortgage borrowers, lottery winners, federal &quo...
by Alex Frakt
Thu Feb 12, 2015 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Reuters: The Case for an Efficient Cup of Coffee
Replies: 7
Views: 1339

Re: How much is a safe car worth?

Locked. This thread is a good example of why we consider general comment threads to be off-topic in the Personal forums: viewtopic.php?f=3&t=112988
by Alex Frakt
Thu Feb 12, 2015 12:01 pm
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9188

Re: PETITION FOR Jack Bogle's Presidential Medal of Freedom

Moved to the Bogleheads Community forum, it's not really an investing topic. I signed the petition. I don't know if petitions can be edited, but if so it should also be noted that he created the first no-load mutual funds, which has lowered costs for countless investors, whether or not they own Vang...
by Alex Frakt
Wed Feb 11, 2015 4:47 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 11556

Re: How to pay Fica for Employee [who is a parent]

One more thing. You need to check your state's laws regarding both state income tax withholding (if any) and unemployment taxes. Apparently most follow the feds on this, but it's not guaranteed.
by Alex Frakt
Wed Feb 11, 2015 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to pay Fica for Employee [who is a parent]
Replies: 11
Views: 710

Re: How to pay Fica for Employee [who is a parent]

Back to the OP's question. According to this article http://www.marketwatch.com/story/tax-rules-for-hiring-family-members-2012-03-27 , it doesn't look like anyone owes federal payroll taxes in this case, nor do you issue a W-2. The parent should report the income on their own 1040: [The tax speciali...
by Alex Frakt
Wed Feb 11, 2015 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to pay Fica for Employee [who is a parent]
Replies: 11
Views: 710

Re: How to pay Fica for Employee

Are you incorporated (e.g., C-CORP, S-CORP) and using that vehicle to hire your parents? If not, I do not believe the wages are reported at all (FICA wages or income wages) since you are not deducting it as a business expense. This is incorrect. If you have an employee, you generally have to report...
by Alex Frakt
Wed Feb 11, 2015 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to pay Fica for Employee [who is a parent]
Replies: 11
Views: 710

Re: Mr. Money Mustache: Hero or Foolish?

I started a poll to get the final definitive Bogleheads answer whether MMM is hero or foolish. Victoria I wonder why the poll got locked while this thread has been going on for many pages without getting locked. Kevin Because we often let borderline threads continue if they stay civil and don't res...
by Alex Frakt
Wed Feb 11, 2015 12:54 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 70922

Re: Poll: Is MMM a force for good?

Locked. This isn't an investing topic as presented, so it doesn't fit here. And it's off-topic in the Personal subforums, since it's not personal.
by Alex Frakt
Wed Feb 11, 2015 12:46 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Is MMM a force for good?
Replies: 34
Views: 2968

Re: Samsung Strikes Again .. Ad Injection

Merged and locked. General comment (i.e. non-personal) threads are off-topic on this subforum - see https://www.bogleheads.org/forum/viewtopic.php?f=3&t=112988 for details. An example of a thread that would qualify as personal would be something like: I need a new TV and was looking at a Samsun...
by Alex Frakt
Wed Feb 11, 2015 12:17 am
 
Forum: Personal Consumer Issues
Topic: Samsung Strikes Again .. Ad Injection
Replies: 17
Views: 538

Re: DH and I are buying bicycles

Ok, now I'm concerned that my dad is setting me up for a day of bike-induced misery. You should be wary. 70 miles is a very long ride for an inexperienced cyclist. Even if the legs and back can handle it, think about sitting on that seat for 5-7 hours :shock: In general, recumbent riders tend to be...
by Alex Frakt
Mon Feb 09, 2015 4:29 pm
 
Forum: Personal Consumer Issues
Topic: DH and I are buying bicycles
Replies: 39
Views: 1699

Re: Car issues. [2009 Cadillac CTS - fix or sell]

I can't speak of PowDay, but the reason I suggested a Legacy wagon is that it appears to meet the requirements set out in the original post: I have a family and will be expanding in the next year or so, so I would like something with semi-modern technology and safety features - Nav, AWD (live in PA)...
by Alex Frakt
Mon Feb 09, 2015 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Car issues. [2009 Cadillac CTS - fix or sell]
Replies: 56
Views: 3602

Re: Sole proprieter or s-corp?

You can take the same business deductions as either a Sole Proprietor or owner of an S-Corp. Either way, the net income from your business flows through to your gross income, so you'll owe exactly the same federal income tax. While there may be liability advantages to being an employee of a corporat...
by Alex Frakt
Mon Feb 09, 2015 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sole proprietor or s-corp?
Replies: 5
Views: 513

Re: Dave Ramsey says you shouldn't own bonds?

I've had to remove an off-topic tangent about Dave Ramsey's religious beliefs. Please stick to the OP's question.
by Alex Frakt
Mon Feb 09, 2015 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says you shouldn't own bonds?
Replies: 64
Views: 9145

Re: Guidance on Prioritization

Submariner1980 wrote:Bumping this since it got down to the 3rd page without any responses. Any takers?

I edited your title. I suspect you'll get a few more responses now. Note that our requirement that titles be meaningful is as much for the posters as readers.
by Alex Frakt
Mon Feb 09, 2015 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: [4 year update - would like another review]
Replies: 10
Views: 1219
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