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Re: TurboTax Deluxe: $25 Refund [for those forced to upgrad

From the linked article: What’s angered many long-time users of the boxed and download versions of the tax prep program, is that while TurboTax Deluxe 2014 sells for the same list price as TurboTax Deluxe 2013 did, it can no longer be used to electronically file Schedule D, for capital gains and los...
by Alex Frakt
Sun Jan 25, 2015 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Deluxe: $25 Refund [for those forced to upgrade]
Replies: 1
Views: 345

Re: Grandfather wanting to transfer portfolio to kids. Ques

The grandfather sees himself as the Boglehead in the relationship and wants the daughter to benefit from his gift to her and not squander the benefit through ignorance about managing an investment or being taken advantage of by an aggressive Investment Advisor who will take advantage of her lack of...
by Alex Frakt
Sun Jan 25, 2015 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Grandfather wanting to transfer portfolio to kids. Question
Replies: 67
Views: 2932

Re: Winter Coat

I am looking for a down winter jacket. Some one pointed that prices are discounted during the early part of the year. I have not been able to find good prices on Patagonia down jackets. Is it safe to buy on ebay? I did not buy anything ever on ebay? Patagonia has a big sale of its discontinued line...
by Alex Frakt
Sun Jan 25, 2015 12:58 am
 
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 61
Views: 6664

Re: Grandfather wanting to transfer portfolio to kids. Ques

...However, I will not alter our investment style currently just because she does not understand evil stocks and bonds, and would prefer all the portfolio be in bank accounts and CD's in a family trust with her name on it. Yes, that can of worms was opened in our family when we tried to let the old...
by Alex Frakt
Sat Jan 24, 2015 1:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Grandfather wanting to transfer portfolio to kids. Question
Replies: 67
Views: 2932

Re: Factors and zero-sum investing

This argument is based on the fallacious assumption that all investors have identical needs. It's both reasonable and possible for all individual investors who expect their investments to provide between 25% and 125% of their income during retirement to tilt to small and value for stocks and to cor...
by Alex Frakt
Sat Jan 24, 2015 12:06 am
 
Forum: Investing - Theory, News & General
Topic: Factors and zero-sum investing
Replies: 49
Views: 2182

Re: Factors and zero-sum investing

I recently ran across a commentary about investing in "factors" that stuck with me. I went something like this: as soon as you step away from passively holding the total market index; for example by investing in factors such as small, value, quality, MOM, and the rest, you have entered th...
by Alex Frakt
Fri Jan 23, 2015 10:54 pm
 
Forum: Investing - Theory, News & General
Topic: Factors and zero-sum investing
Replies: 49
Views: 2182

Re: Grandfather wanting to transfer portfolio to kids. Ques

To clarify the generations, my grandmother passed away last year so it's only my grandpa now. My mom is the sole beneficiary. For those of you who say "refuse to play by his rules", my mom does not really have a choice. My granpa is the type of personality (and at that age where people do...
by Alex Frakt
Fri Jan 23, 2015 10:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Grandfather wanting to transfer portfolio to kids. Question
Replies: 67
Views: 2932

Re: Grandfather wanting to transfer portfolio to kids. Ques

It looks like I got the generations wrong. OP, is your Mom the only beneficiary? If not, why was she chosen to do this?
by Alex Frakt
Fri Jan 23, 2015 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Grandfather wanting to transfer portfolio to kids. Question
Replies: 67
Views: 2932

Re: Grandfather wanting to transfer portfolio to kids. Ques

If I were in your shoes, this is what I would do. Everyone should refuse to play this game and the whole problem should be dealt with immediately. Tell Grandfather: - that very few individual investors manage to beat the market, even if he did (which I doubt, but there's no good reason to get into t...
by Alex Frakt
Fri Jan 23, 2015 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Grandfather wanting to transfer portfolio to kids. Question
Replies: 67
Views: 2932

Re: 529 Plans in Danger?

New thread on same topic merged here. The following still applies: This is a good time to post a reminder of our forum policies: UNACCEPTABLE TOPICS Politics and Religion In order to avoid the inevitable frictions that arise from these topics, political or religious posts and comments are prohibited...
by Alex Frakt
Fri Jan 23, 2015 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: 529 Plans in Danger?
Replies: 21
Views: 1476

Re: [Rear-ended, medical insurance claims and Medicare]

bumped after title edited for clarity
by Alex Frakt
Thu Jan 22, 2015 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Rear-ended, medical insurance claims and Medicare]
Replies: 7
Views: 478

Re: Best watch for around $5,000?

Let me use another example from real life. In 1990, my wife was in La Jolla and anted to buy some art for my office. She convinced me to buy two signed limited edition photographs for $300. Here's one of them. http://cdn.c.photoshelter.com/img-get/I0000fYVroTq465I/s/750/750/1505.jpg I have the same...
by Alex Frakt
Thu Jan 22, 2015 2:15 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 842
Views: 171251

Re: Best watch for around $5,000?

I admit that I'm sort of intrigued by this watch. It has one hand which goes around once every 24 hours. You might miss the occasional plane, train, or job interview but on the other hand you won't be fussing over how to stop it with the second hand on the twelve so you can get the minute hand exac...
by Alex Frakt
Thu Jan 22, 2015 1:51 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 842
Views: 171251

Re: Cost basis method on withdrawals taxable

I like the flexibility of specific ID. I've found that even though my taxable account is earmarked for retirement, my income is highly variable so I've had to sell some of my holdings from time to time to meet more immediate needs. I've also sold on a couple of occasions to harvest tax losses. It's ...
by Alex Frakt
Thu Jan 22, 2015 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Cost basis method on withdrawals taxable
Replies: 4
Views: 286

Re: 529 Plans in Danger?

This is a good time to post a reminder of our forum policies: UNACCEPTABLE TOPICS Politics and Religion In order to avoid the inevitable frictions that arise from these topics, political or religious posts and comments are prohibited. The only exceptions to this rule are: ⋅ Common religio...
by Alex Frakt
Thu Jan 22, 2015 11:00 am
 
Forum: Investing - Theory, News & General
Topic: 529 Plans in Danger?
Replies: 21
Views: 1476

Re: Childcare and Taxes

Take a look at http://fairmark.com/returns/family.htm , Fairmark's page of links to IRS forms and publications related to Family matters. The first two sections are Exemptions and the Child Tax Credit and Other Tax Benefits for Parents . You can also get a feel for it by re-running your 2013 (or 201...
by Alex Frakt
Wed Jan 21, 2015 12:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Childcare and Taxes
Replies: 7
Views: 692

Re: Best watch for around $5,000?

HomerJ wrote:Heh, if all they do is go up in value, maybe you should have bought one of those $100,000 watches you saw the other day... :)

Aren't the $100,000 watches 20x nicer than the $5000 watches?

No, it's a log scale.
by Alex Frakt
Tue Jan 20, 2015 1:21 am
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 842
Views: 171251

Re: Why I like this forum

Taylor, You selected one sentence from my post to respond to with one liners from mostly deceased people who can have no knowledge of current realities. Dictators and Tyrants can be very civil in their speech that doesn't make them Virtuous. Speech and expression frequently do not comport with acti...
by Alex Frakt
Mon Jan 19, 2015 1:13 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Why I like this forum
Replies: 34
Views: 2246

Re: Why I like this forum

Warning: This is not a personal consumer issue, so admins, feel free to delete this post. Moved to the Local Chapters and Bogleheads Community forum. Like Facebook, it is a granfalloon. Wikipedia provides this on granfalloons : The most commonly purported granfalloons are associations and societies...
by Alex Frakt
Sun Jan 18, 2015 2:23 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Why I like this forum
Replies: 34
Views: 2246

Re: Thank you moderators, site administrators

My response to an OP yesterday was deleted without explanation after posting. I would appreciate a reason. Are you certain you successfully submitted your post? I checked the activity logs (which, among other things, make an automatic notation of all moderator activities) and there is no record of ...
by Alex Frakt
Sun Jan 18, 2015 2:50 am
 
Forum: Forum Issues and Administration
Topic: Thank you moderators, site administrators
Replies: 35
Views: 2444

Re: Survey - Men Who Exercise At a Gym

Locked. Does not appear to be personal. From the posting guidelines for this subforum:

Note that topics must be directly connected to your (or your friend's or family's) life as a consumer. General comments or complaints about these topics will be locked or removed.
by Alex Frakt
Sun Jan 18, 2015 1:48 am
 
Forum: Personal Consumer Issues
Topic: Survey - Men Who Exercise At a Gym
Replies: 23
Views: 2612

Re: Is it possible to add Google Docs BBCodes to the forum?

Would it be possible to add new BBCodes for Google documents, spreadsheets, and presentations? If I could only get one, then Google Spreadsheet would be it. That would make posting data much easier than trying to format it inside of a code block. There is a post on how to do it: http://www.qapla.co...
by Alex Frakt
Sun Jan 11, 2015 5:00 pm
 
Forum: Forum Issues and Administration
Topic: trouble with posting images [from Google docs]
Replies: 16
Views: 787

Re: trouble with posting images [from Google docs]

The error is this: "It was not possible to determine the dimensions of the image." Here is the link that Google produces: https://drive.google.com/file/d/0B4gvphDEdSAdUDVOYWF1LUhZdlE/view?usp=sharing That's not an image file, it's a link to a web page that has code that displays the image...
by Alex Frakt
Sun Jan 11, 2015 2:06 pm
 
Forum: Forum Issues and Administration
Topic: trouble with posting images [from Google docs]
Replies: 16
Views: 787

Re: trouble with posting images [from Google docs]

I merged in an earlier thread because it's essentially the same issue.
by Alex Frakt
Sun Jan 11, 2015 1:51 pm
 
Forum: Forum Issues and Administration
Topic: trouble with posting images [from Google docs]
Replies: 16
Views: 787

Re: trouble with posting images

I've tried pasting images that are saved in Google docs, either by inserting a direct link to them, or surrounding the link with the IMG tag (as described in the Wiki). When inserting the actual URL, it just shows as a clickable link. When using the IMG tag, I keep getting this error: "The siz...
by Alex Frakt
Sat Jan 10, 2015 11:32 pm
 
Forum: Forum Issues and Administration
Topic: trouble with posting images [from Google docs]
Replies: 16
Views: 787

Re: An interesting take on economic progress

Locked. Not investing, not actionable.
by Alex Frakt
Fri Jan 09, 2015 10:26 pm
 
Forum: Investing - Theory, News & General
Topic: An interesting take on economic progress
Replies: 10
Views: 1156

Re: Jonathan Clements Money Guide 2015 -- A Gem

Munir wrote:Posted earlier at 21:00 by Taylor also.

I agree it's a great book, and have purchased it for my daughter.

I deleted the duplicate. I left this one because it had a reply.
by Alex Frakt
Thu Jan 08, 2015 11:24 pm
 
Forum: Investing - Theory, News & General
Topic: Jonathan Clements Money Guide 2015 -- A Gem
Replies: 17
Views: 3006

Re: Humidifiers

I live in a 1900 sq ft condo with PTACs (absurdly inefficient through the wall combo electric heat/ac units), so I can't use a whole house humidifier. It gets extremely dry here in the winter, my cheap hygrometer bottoms out at 16% and that's where it sits if I don't use a humidifier. After years of...
by Alex Frakt
Thu Jan 08, 2015 10:17 pm
 
Forum: Personal Consumer Issues
Topic: Humidifiers
Replies: 25
Views: 2805

Re: Calling all blog and website authors

Every time I click on http://www.easyallocator.com, all I get is an empty page that says it might be up for sale?.....help, please. This is because, with the passage of time, both bob90245's and yobria's sites have gone defunct.... If I was in charge, I would deactivate the links, but leave the pos...
by Alex Frakt
Wed Jan 07, 2015 11:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calling all blog and website authors
Replies: 42
Views: 10545

Re: New SEP-IRA, not simple at all!

ieee488 wrote:A sole proprietor is just that. There cannot be any employees.

The sole in sole-proprietor refers to the number of owners (one), not the number of employees.
ieee488 wrote:Anyway, http://www.irs.gov/Retirement-Plans/Ret ... tributions is what you should be reading.

Agreed.
by Alex Frakt
Wed Jan 07, 2015 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: New SEP-IRA, not simple at all!
Replies: 6
Views: 508

Re: Blacklist blocking registration for some new members

Thanks to Peculiar_Investor for pointing me to this possible explanation: https://www.phpbb.com/community/viewtopic.php?p=13883596#p13883596 One of the [blacklist services] services announced they would be shutting down in January. However, rather then just going away they decided to wildcard all lo...
by Alex Frakt
Wed Jan 07, 2015 2:33 pm
 
Forum: Forum Issues and Administration
Topic: Blacklist blocking registration for some new members
Replies: 1
Views: 595

Blacklist blocking registration for some new members

One of the programs we use to help cut down on spam is malfunctioning and is incorrectly blocking some people from registering for this site. it should not affect those of you who are already registered. We are aware of the problem and hope to have it fixed later today. I'll post any further informa...
by Alex Frakt
Wed Jan 07, 2015 1:18 pm
 
Forum: Forum Issues and Administration
Topic: Blacklist blocking registration for some new members
Replies: 1
Views: 595

Re: Keurig Coffee Makers

My wife wanted a single cup coffee maker for Christmas. I looked at these and the Nespresso, but ended up with a refurbished Saeco automatic espresso maker from Seattle Coffee Gear: https://www.seattlecoffeegear.com/on-sale/refurbished . So far we love it. The initial price is higher, but the lower ...
by Alex Frakt
Mon Jan 05, 2015 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Keurig Coffee Makers
Replies: 37
Views: 2730

Re: Hussman responds

Browser wrote:My apologies to Dr. Hussman for the misattribution. I'd be happy to retract or correct this thread and would appreciate the moderators instruction as to how best to proceed.

I added a comment to the original post. Let's otherwise preserve it so the previous responses make sense.
by Alex Frakt
Mon Jan 05, 2015 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: Hussman finally admits the obvious
Replies: 16
Views: 2410

Hussman responds

I received the following via e-mail from Dr. Hussman: In the thread “Hussman finally admits the obvious,” please note that the quote attributed to me is actually a statement by Hugh Hendry of Eclectica, with which I presently disagree, and discussed in that context. As I’ve often noted, I have no di...
by Alex Frakt
Mon Jan 05, 2015 4:00 pm
 
Forum: Investing - Theory, News & General
Topic: Hussman finally admits the obvious
Replies: 16
Views: 2410

Re: Oil price goes down,any investment opportunities?

bumping after delayed moderator approval
by Alex Frakt
Mon Jan 05, 2015 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: Oil price goes down,any investment opportunities?
Replies: 9
Views: 1239

Re: [Poll] Is your generation better off than parents' or ki

Locked. From the forum policies:
Non-actionable (Trolling) Topics

If readers can't do anything with the content of a topic other than argue about it, it does not belong here.
by Alex Frakt
Mon Jan 05, 2015 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] Is your generation better off than parents' or kids'
Replies: 16
Views: 984

Re: [ID verification required to use Google Wallet]

It's disturbing to me that Google is forcing all of their customers to use Google Wallet, and don't provide other options such as direct purchase through credit cards or bank transfer or Paypal. Given Google's ever-increasing dominance (global information flow as well as commerce), I find that rath...
by Alex Frakt
Mon Jan 05, 2015 12:35 pm
 
Forum: Personal Consumer Issues
Topic: [ID verification required to use Google Wallet]
Replies: 41
Views: 3320

Re: Client Not Letting Independent Contractor Use LLC?

My wife is a marriage & family therapist and she provides counseling services to kids & families currently via the agency she contracts with, however, she is trying to start a private practice that will enable her to see patients & bill their insurances directly thereby cutting out the ...
by Alex Frakt
Mon Jan 05, 2015 1:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Client Not Letting Independent Contractor Use LLC?
Replies: 32
Views: 2902

Re: [ID verification required to use Google Wallet]

Googling the text of the received messages, it appears that this is legit. It usually comes up in relation to merchant accounts, but can also be triggered if there are general verification problems. Note that Google has to verify everyone using Wallet for certain purposes, they usually mange to do i...
by Alex Frakt
Mon Jan 05, 2015 12:30 am
 
Forum: Personal Consumer Issues
Topic: [ID verification required to use Google Wallet]
Replies: 41
Views: 3320

Re: My Return for 2014 for Wealthfront is less than 2%

We can better answer your question if let us know why you decided to invest with them in the first place.
by Alex Frakt
Sat Jan 03, 2015 2:04 am
 
Forum: Investing - Help with Personal Investments
Topic: My Return for 2014 for Wealthfront is less than 2%
Replies: 27
Views: 2960

Re: target="_blank" [Links should open in new window or tab]

Seriously... Links should open in a new tab. No they shouldn't. The standard since the very first graphical web browser (NCSA Mosaic) is that links should open in the same window. You can option or control or right or middle click (depending on your browser adn OS) if you want to do something else....
by Alex Frakt
Fri Jan 02, 2015 12:02 am
 
Forum: Forum Issues and Administration
Topic: target="_blank" [Links should open in new window or tab]
Replies: 4
Views: 582

Re: If no capital gains tax, will you change investing?

Locked. Speculating on tax policy is off topic (trolling).
by Alex Frakt
Thu Jan 01, 2015 11:39 pm
 
Forum: Investing - Theory, News & General
Topic: If no capital gains tax, will you change investing?
Replies: 12
Views: 1084

Re: Rather macabre but necessary question

gardemanger wrote:The OP has not visited this forum since October 17. It was someone else who revived the topic.

I'm locking this thread. I will reopen it if the OP requests (via PM). Otherwise, if you have your own issue that falls within our posting guidelines, you are welcome to create your own new topic.
by Alex Frakt
Thu Jan 01, 2015 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rather macabre but necessary question
Replies: 86
Views: 10014

Re: Ordinary Dividends - Index Funds

Ordinary dividends includes both qualified and non-qualified dividends. Here's a list from Vanguard of the estimated percentage of their ordinary dividends that will be qualified in 2014: https://advisors.vanguard.com/VGApp/iip/site/advisor/investments/taxcenter/yeartodateestimates . You'll see that...
by Alex Frakt
Sun Dec 28, 2014 1:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ordinary Dividends - Index Funds
Replies: 5
Views: 628

Re: Best watch for around $5,000?

Please keep in mind that our forum rules have evolved since this thread began (indeed, partially in response to this thread). Negative personal comments were never acceptable and general comments about watch wearing are no longer acceptable. OT comments on this thread will be removed and the poster...
by Alex Frakt
Sun Dec 28, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 842
Views: 171251

Re: Easier to do morally right if you have money?

Locked. Off-topic (not personal finance).
by Alex Frakt
Fri Dec 26, 2014 11:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Easier to do morally right if you have money?
Replies: 3
Views: 761

Re: [Getting Sued for] Malpractice

Locked as a general comment thread. Malpractice questions are not off topic, but it must be about some specific issue and enough detail must be provided to allow for useful responses.
by Alex Frakt
Thu Dec 25, 2014 11:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Getting Sued for] Malpractice
Replies: 46
Views: 4862
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