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Re: Avast loaded malwhere with updated "protection".

They do this a lot. I had that problem with avast a few years ago. I just downloaded a pdf to WORD creator. I had to opt out of about 50 things and must have missed one (or maybe I didn't) and my browser got hijacked for the homepage. I eventually fixed it but it took a long time. The message is try...
by Calm Man
Wed Apr 23, 2014 5:45 pm
 
Forum: Personal Consumer Issues
Topic: Avast loaded malwhere with updated "protection".
Replies: 3
Views: 323

Re: What to say to financial planners/insurance brokers

The reason people in the financial business call you is the same as any salesperson which is to generate business. That's what I would do if I were in the business. Please understand that when Vanguard calls you about idle cash, the person is selling nothing. If anything, the money market funds have...
by Calm Man
Tue Apr 22, 2014 10:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to say to financial planners/insurance brokers
Replies: 11
Views: 750

Re: New 24 yo Investor Looking for Advisor and Roth IRA Advi

A 24 year old with a few thousand dollars and a financial adviser?
by Calm Man
Tue Apr 22, 2014 9:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 24 yo Investor Looking for Advisor and Roth IRA Advice
Replies: 11
Views: 594

Re: Freaked out non-US expat - please review

Your idea of turning a property to "neutral" seems inappropriate. I mean let's say you put down the whole equity amount and even more, you could turn it to positive, but what does that mean? You seem well meaning and seem to have demonstrated to have no real clue what you are doing in inve...
by Calm Man
Tue Apr 22, 2014 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Freaked out non-US expat - please review
Replies: 4
Views: 618

Re: Investment Property or Second Home?

OP, my sympathies. Many of us have had ( I just id) and will have problems with elderly parents. Some of us are "good" enough to actually help them and bless you for being one of them. I would reverse your order of priorities. Cost should be last and one floor and ease of her life should b...
by Calm Man
Tue Apr 22, 2014 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investment Property or Second Home?
Replies: 9
Views: 613

Re: Why is the price so low for option? Is this real?

Interesting. I hope OP does it and posts the results. Not that I want it to go bad. It;s just that usually things like this that seem sure are not. But if they are, I'm game to looking into them....
by Calm Man
Tue Apr 22, 2014 8:10 pm
 
Forum: Investing - Theory, News & General
Topic: Why is the price so low for option? Is this real?
Replies: 20
Views: 1070

Re: Security Risk in Donating Appreciated Vanguard Shares

DAFs are great. There is a problem with DAFs that some might not be aware of. An employer who I retired from matches 1/1 for retirees up to 10K per year. I always give that. But they will not match gifts to an organization from a DAF. There is an excellent reason for this: WE DON'T KNOW WHY. I would...
by Calm Man
Tue Apr 22, 2014 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Security Risk in Donating Appreciated Vanguard Shares
Replies: 6
Views: 336

Re: is whole life insurance a good investment?

Very serious response coming, but as a parent you'll understand where I am coming from: If my 2 year old died I would not have been thrilled to collect 250K. And I sure has heck was not worried about when my children were 2 whether they would be insurable for life insurance 30 years later if they ev...
by Calm Man
Mon Apr 21, 2014 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: is whole life insurance a good investment?
Replies: 17
Views: 1403

Re: Silver, Gold or Cobra

The network is the whole thing as Mr Grabiner points out. After that, there will be very high co-pays and deductibles and the premiums are devised by people with sophisticated algorithms to be net neutral between gold and silver and bronze. Although I am not a fan of the ACA, what I do like is that ...
by Calm Man
Sun Apr 20, 2014 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Silver, Gold or Cobra
Replies: 4
Views: 590

Re: Just started residency, need some portfolio advice

Please do a good job taking care of patients while on duty during your residency and when off, sleep or enjoy yourself !!!!
by Calm Man
Sun Apr 20, 2014 6:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just started residency, need some portfolio advice
Replies: 10
Views: 1185

Re: POLL: what's the deal with Tuna Fish?

Two problems once you shift to water packed tuna. (The oil packed is horrible, vegetable oil.) The sodium level is very high. There is a low sodium brand but only 1/2. Second, tuna are at the top of the food chain. Mercury is a problem. I'd avoid it altogether.
by Calm Man
Sun Apr 20, 2014 4:18 pm
 
Forum: Personal Consumer Issues
Topic: POLL: what's the deal with Tuna Fish?
Replies: 48
Views: 2985

Re: Any less expensive sources for Lipitor?

Splitting pills will be the highest paying part time job you will ever have. I ask my Doc to double dose and subscribe "take as directed" that way you get more pills on one month subscription. If you are a vet , sign up at the VA. One months pills $9. This is OK as the doctor is doing not...
by Calm Man
Sun Apr 20, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: Any less expensive sources for Lipitor?
Replies: 54
Views: 2958

Re: Tax cost of "one fund in taxable"

I agree with you a lot. As I get older I will seriously look at simplifying from my 2 funds (Total stock market and NJ bond) to one if possible. As I am 50/50, I might just go with Tax Managed balanced even though it is not optimal in all regards. If you are not worried about he tax hit, I agree wit...
by Calm Man
Sun Apr 20, 2014 1:22 pm
 
Forum: Investing - Theory, News & General
Topic: Tax cost of "one fund in taxable"
Replies: 7
Views: 1024

Re: What Muni Bond in Taxable Brokerage Account

As a fellow New Jerseyite delighted to pay high taxes to NJ and also happily providing the federal government with additional revenue via AMT, I would suggest going exclusively with the NJ fund. Your NJ taxes on the national fund are just going to be too high (8.97%) and since you are in the AMT, th...
by Calm Man
Sun Apr 20, 2014 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Muni Bond in Taxable Brokerage Account
Replies: 7
Views: 740

Re: Question about IRS Online Payment from Checking Account

jgb wrote:Just to add a data point.. I filed on 04/16/14 and specified 04/16/14. They debited from my bank account on the 18th.

Off topic: I can't imagine having a tax bill that some of yall are quoting. :shock:


From your lips to G-d's ears. Are you planning to run for office? I will contribute to you.
by Calm Man
Sun Apr 20, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about IRS Online Payment from Checking Account
Replies: 24
Views: 869

Re: Stopping unwanted "junk" newspaper

It is almost impossible to stop without the municipality stepping in. Remember, the delivery "boys" or whoever does it does not deliver by a list of addresses. They just get a neighborhood and deliver it to every home there.
by Calm Man
Sun Apr 20, 2014 12:59 pm
 
Forum: Personal Consumer Issues
Topic: Stopping unwanted "junk" newspaper
Replies: 23
Views: 1479

Re: IRS Lost Electronic Return?

This doesn't directly answer your issue, but it's related. I have started to be sure that my electronically submitted tax returns have a transaction. Either a refund or a balance due, that gets debited or credited to my checking account. I used to apply refunds to the next year but no longer do tha...
by Calm Man
Sun Apr 20, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Lost Electronic Return?
Replies: 10
Views: 634

Re: Question about IRS Online Payment from Checking Account

OP, I am confused. Vanguard and your bank is one issue. Regardless of how you got it to your bank (wire from Vanguard or otherwise) you should be able to see when the $ hit your bank account. The IRS electronic system works perfectly. I have used it both for refunds and amounts owed with tax returns...
by Calm Man
Sat Apr 19, 2014 10:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about IRS Online Payment from Checking Account
Replies: 24
Views: 869

Re: Gave two weeks notice a week ago - benefits wrapup quest

OP, there are a lot of questions. One thing that I can tell you (I am not an HR person) is that you WERE NOT terminated without cause. You were not terminated at all. So rules applying to being terminated without cause do not apply. You need to carefully read about your rights when you voluntarily r...
by Calm Man
Sat Apr 19, 2014 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gave two weeks notice a week ago - benefits wrapup questions
Replies: 8
Views: 1717

Re: 3 researched questions for you re: my portfolio & financ

OP, the whole post is weird. You are "respecting" your wife's privacy but nobody knows who you are so how would they know who she is. You are married and although i agree with trying to keep things separate, you want only your fiances looked at? Are you planning on separating (no crime as ...
by Calm Man
Fri Apr 18, 2014 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 researched questions for you re: my portfolio & finances
Replies: 23
Views: 1502

Re: Oh No! My Tilt has untilted!

Ned, from your posts which I enjoy reading, you seem like such a thoughtful person. If not before, is this not reason simply to stop trying to beat chance and just go with Total stock market, the cheapest available option and guaranteed to give you the market returns minus 5 basis points?
by Calm Man
Fri Apr 18, 2014 7:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Oh No! My Tilt has untilted!
Replies: 15
Views: 2289

Beneficiaries in will but not designated on accounts

I hope my questions aren't too jumbled here..... I am going to see my lawyer who did my estate documents TWENTY years ago for an update. There is something bothering me that I would like to try to have clear in my head before I see her. My prior will designated specific percentage amounts for a few ...
by Calm Man
Fri Apr 18, 2014 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries in will but not designated on accounts
Replies: 3
Views: 479

Re: How high of an allocation to REITs?

OP, I would suggest you first ask yourself why you would want REITs to an extent more than the Total Stock Index Fund. If your reason is that you think real estate will do well or something like that, I suggest that you or I have no more knowledge about that than a dart throwing monkey or a Wall Str...
by Calm Man
Thu Apr 17, 2014 9:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: How high of an allocation to REITs?
Replies: 24
Views: 2827

Re: How to avoid ads and not get tracked

One other thing. I have a facebook "account" in that they ahve my name and that's it. They used to have more and I presume have kept it somewhere. I had logged onto facebook from a prior computer and somehow wherever I went, it knew I was on facebook. (The way you can tell is some newspape...
by Calm Man
Thu Apr 17, 2014 9:39 pm
 
Forum: Personal Consumer Issues
Topic: How to avoid ads and not get tracked
Replies: 49
Views: 2746

Re: Little to no income for 2 years- take IRA RMDs up to 37k

I offer and additional factor for consideration. I believe it should be acceptable under forum guidelines because I have never heard of any proposed legislation involving this. I heard this within the last few weekends on the radio while jogging and I happened to hit a preset, arrive at WABC radio N...
by Calm Man
Thu Apr 17, 2014 9:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Little to no income for 2 years- take IRA RMDs up to 37k?
Replies: 14
Views: 1163

Re: Asset allocation over time

I think that once over 40 or so, you could just go 50/50 for life. It is easy to do and probably just fine.
by Calm Man
Thu Apr 17, 2014 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Asset allocation over time
Replies: 23
Views: 1232

Re: Vanguard Total International (VTSAX) - Taxable Account

I think if you are going to hold international, it still belongs in taxable unless your marginal tax rate at RMD time will be less than your current tax rate. If international is held in deferred accounts, you will eventually pay tax on the dividends without benefit of the tax credit. The tax burde...
by Calm Man
Thu Apr 17, 2014 5:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VTSAX) - Taxable Account
Replies: 24
Views: 2239

Re: Draft email to investment advisor re outperforming Total

You are giving the adviser "cruel and unusual punishment". Seriously, OP, you know that no adviser is going to beat the indices and after fees and taxes generated, any adviser will lose to the index. I think you are wasting your time with these letters and the adviser cannot possibly meet ...
by Calm Man
Thu Apr 17, 2014 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Draft email to investment advisor re outperforming Total Mar
Replies: 24
Views: 2400

Re: Vanguard Total International (VTSAX) - Taxable Account

Indeed, we have had many discussions about this. I have been extremely vocal about the relatively high amount of nonqualified dividends. When coupled with a higher yield than the US total market fund, I (and others) have elected to not use this fund in the taxable accounts.
by Calm Man
Thu Apr 17, 2014 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VTSAX) - Taxable Account
Replies: 24
Views: 2239

Re: "At Vanguard my voice is my password"

It is great. I had to do some things that I couldn't believe they let me do over the phone but only because I had voice recognition. And I used to never make mistakes but this year when I made my self employed 401K contribution at Vanguard for tax year 2013, I did it as 2014. It took a little work t...
by Calm Man
Wed Apr 16, 2014 10:35 pm
 
Forum: Personal Consumer Issues
Topic: "At Vanguard my voice is my password"
Replies: 24
Views: 2269

Re: Asness & Fama on Bloomberg TV NOW

I didn't know at the time or watch. I am interested always in academic discussions for the sake of education. Is this not, though, financial porn? Did anybody who watch this today change anything they did one iota? It seems either one buys into the DFA approach or believes in the Total stock market ...
by Calm Man
Tue Apr 15, 2014 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: Asness & Fama on Bloomberg TV NOW
Replies: 23
Views: 1149

Re: Anyone use Fidelity as their bank account?

I hate it beyond belief !!! I did it with Vanguard for years and stopped. I realized that if my checks were coming out of the brokerage account that any money there wsa potentially accessible to anybody who simply used the routing and account #s or even just printed checks. The money in the money m...
by Calm Man
Tue Apr 15, 2014 8:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fidelity as their bank account?
Replies: 27
Views: 1760

Re: Stocks: How Bad It Can Get

Look at this psychological statement. Isn`t it funny how this question arises after the correction which sort of tells me that people are probably not allocated correctly. No one mentions rebalancing during this correction which the academics suggest. After what correction ? Indeed. I think we were...
by Calm Man
Tue Apr 15, 2014 8:24 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 5371

Re: Stocks: How Bad It Can Get

As a young investor in my infancy years of investing, I can't wait for another financial crisis. 60-80% drop for next 2-3 years? I can only hope. :wink: I indeed hope your job doesn't get affected. But really, I hear this too much from younger people. I do not believe they really think through the ...
by Calm Man
Tue Apr 15, 2014 6:58 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 5371

Re: Anyone use Fidelity as their bank account?

I hate it beyond belief !!! I did it with Vanguard for years and stopped. I realized that if my checks were coming out of the brokerage account that any money there wsa potentially accessible to anybody who simply used the routing and account #s or even just printed checks. The money in the money ma...
by Calm Man
Tue Apr 15, 2014 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fidelity as their bank account?
Replies: 27
Views: 1760

Re: 22 Y/O Cadet Advise

Thank you for your service, especially in the future when you go to battle and return unharmed. I know that the service academies, with taxpayer funding, pay the full freight for the education and training. I am not familiar with all of the academies but the two I am familiar with have such intense ...
by Calm Man
Tue Apr 15, 2014 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22 Y/O Cadet Advise
Replies: 8
Views: 527

Re: the President's savings rate

OP, you have Interpreted the information incorrectly. That was the amount in one account. I presume he is saving almost everything else after tax as well as he does not have any other expenses except maybe gifts and expenses for his kids..
by Calm Man
Sun Apr 13, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: the President's savings rate
Replies: 19
Views: 2626

Re: Income for no capital gains tax

It would not be a tragedy to pay 15 % tax on the gain if required. The gift likely will have only some of it being gain. You're probably right. However, if I indeed don't need to pay capital gains because of my income, it would make sense for my parents to gift me stock they they would have otherwi...
by Calm Man
Sat Apr 12, 2014 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Income for no capital gains tax
Replies: 16
Views: 733

Re: Woodpeckers...I'm desperate!

I really don't know but some thoughts. Would a cat help? Also, although it is a federally protected species, what are the penalties if you somehow trap the woodpecker, blindfold him so he doesn't know where you are taking him, and then drive him 25 miles away and release him?
by Calm Man
Sat Apr 12, 2014 7:58 pm
 
Forum: Personal Consumer Issues
Topic: Woodpeckers...I'm desperate!
Replies: 52
Views: 3442

Re: Income for no capital gains tax

It would not be a tragedy to pay 15 % tax on the gain if required. The gift likely will have only some of it being gain.
by Calm Man
Sat Apr 12, 2014 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Income for no capital gains tax
Replies: 16
Views: 733

Re: squirrel question

I wouldn't hurt a fly. I assure you though that if you drive the squirrels to New Jersey they will never find their way home. Just avoid Elizabeth as they might suffer from pollution in the air.
by Calm Man
Sat Apr 12, 2014 4:26 pm
 
Forum: Personal Consumer Issues
Topic: squirrel question
Replies: 13
Views: 1150

Re: Stock markets in free fall?

Can't speak for others, but being 37 yrs. old I hope the market is down for the next 20 yrs. An accumulator job is to accumulate SHARES and NOT balances on your account. I could care less what my balance is or what the market does, but if I have a choice it is to accumulate during a rough few decad...
by Calm Man
Sat Apr 12, 2014 11:33 am
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6564

Re: Losing job-financial advice

Boglemama, what about your job? Please don't tell me you don't have one because your husband does. Pretty please or you will depress me to no end. Because I always plead with women not to stop working because their husbands can lose their job, die or leave them.
by Calm Man
Thu Apr 10, 2014 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Losing job-financial advice
Replies: 18
Views: 1909

Re: Preventing Office Theft of Food and Other Stuff

Today, I committed theft from a community refrigerator at a company I consult with. I did not have time for lunch. I had run this AM and not eaten anything. At 2 PM I was feeling weak as in I better eat something. In the community freezer part of the refrigerator, I saw my favorite bread: Ezekiel br...
by Calm Man
Thu Apr 10, 2014 8:43 pm
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 5195

Re: Blog: Total World Index and the two fund portfolio

Thank you for posting Barry. And do you have a conclusion??
by Calm Man
Thu Apr 10, 2014 8:38 pm
 
Forum: Investing - Theory, News & General
Topic: Blog: Total World Index and the two fund portfolio
Replies: 3
Views: 726

Re: Should I Switch Tips Fund To Short Term Tips?

I know one fact only on this. If you switch from long to short you can guarantee yourself a change from a guaranteed loss of 0.2 % per year of real return to a loss of -1.3%. As far as rates rising or not, we know none of this. Certainly I do not know more than the people who set the prices in the b...
by Calm Man
Wed Apr 09, 2014 6:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Switch Tips Fund To Short Term Tips?
Replies: 4
Views: 432

Re: Property investment: should my name be on the deed?

stanleyj wrote:Thank you all for your help! Was hoping that I won't need a lawyer but evidently I was wrong :(


You don't need a lawyer !!! Don't do it - this deal is not in your best interests.
by Calm Man
Tue Apr 08, 2014 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Property investment: should my name be on the deed?
Replies: 15
Views: 703

Re: Being a trustee for a friend's estate

I would tell my friend that you two will likely age together and it is better to have somebody younger handle it. You could add that you know basically nothing about how to be a trustee. I have done that on a few occasions.
by Calm Man
Tue Apr 08, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Being a trustee for a friend's estate
Replies: 14
Views: 1165

Re: Credit Threatened By Mega Cell Carrier After Bill Disput

How much money are we talking about? It looks like you are not getting your messages back. So if it's not a lot of money, even though you are right, I would prefer to be done with these people, pay them off and move on as long as my record was going to be clean. Just my opinion as I like to put ugly...
by Calm Man
Tue Apr 08, 2014 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Threatened By Mega Cell Carrier After Bill Dispute
Replies: 14
Views: 1123

Re: Expensive med. test not covered by insurance

This is a huge problem. You have been charged what I call the "crazy rate". Meaning if you look at an Explanation of Benefits for a regular covered test, like a complete blood count,k you will see something like: charged $150. Negotiated insurance rate $10. Paid by insurance $10. You owe: ...
by Calm Man
Mon Apr 07, 2014 10:16 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3877
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