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Re: ABLE ACT (529 for disabled) now law.

I read the whole bill and while admitting that I am typically suspicious when "the government comes to help us" I certainly was interested, as nothing seems to be free for those who pay taxes. And there, bingo, towards the end ---- whatever is left after all is said and done in the ABLE ac...
by Calm Man
Sun Dec 28, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: ABLE ACT (529 for disabled) now law.
Replies: 13
Views: 2047

Re: I think I just got a $5,000 watch for Christmas

My watch is a Casio that costs $15. But it has a stop watch and timer that I use for running and an alarm clock on it as well as well as date and day of the week. The $5000 watches I have seen lack that functionality so I have avoided them.
by Calm Man
Thu Dec 25, 2014 7:22 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 942
Views: 189372

Re: Christmas day ACA health insurance stress

Dodecahedron, It will all work out. I am certain this is simply typical beaurocratic messups that happen and adding a layer of governmental intervention simply complicates it. I am not in a situation needing ACA as I get retiree medical and will be on Medicare in 3 years. I know several people, who ...
by Calm Man
Thu Dec 25, 2014 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Christmas day ACA health insurance stress
Replies: 30
Views: 3368

Re: Medical billing: wrong procedure

This is not at all uncommon. But you have had good fortune. You have discovered an unethical provider. I would simply avoid that provider in the future, as I would have no confidence on recommendations particularly if they involved surgical procedures. If the code you see clearly indicates 45 minute...
by Calm Man
Wed Dec 24, 2014 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical billing: wrong procedure
Replies: 28
Views: 2291

Re: Self employment - health ins deductible

I don't think you can do it. The instructions are pretty clear for deducting it on page 1 of the 1040. The policy must be bought by the business. I do not believe an ACA policy can be bought by a business.
by Calm Man
Tue Dec 23, 2014 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Self employment - health ins deductible
Replies: 18
Views: 1802

Re: IRA contribution & withdrawal

I have an idea although it does not fit into one of my laws of thermodyanmics (I recently posted the 4th law). Do not loan, gift or meddle in your mother in law's IRA. A whole tadoo in this case to save her 5%.
by Calm Man
Tue Dec 23, 2014 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA contribution & withdrawal
Replies: 4
Views: 838

Re: Issues selling our house

I will adopt the use of your newly-coined word ["under-achievers" --admin LadyGeek] . It has been my experience when something goes on like this that there may have been clues early on that these people were [underachievers] . Was there? If so, you have learned a good lesson about knowing ...
by Calm Man
Tue Dec 23, 2014 6:35 pm
 
Forum: Personal Consumer Issues
Topic: Issues selling our house
Replies: 14
Views: 2423

Re: Did we just get untaxed IRA money? Implications?

Calm Man's 4th law of thermodynamics: Avoid any possibility of falling into a situation where a recharacterization might possibly be necessary. Corollary: do not make a ROTH contribution until you are absolutely certain that you will be not exceed the income limits -- ie., wait until after the last ...
by Calm Man
Tue Dec 23, 2014 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did we just get untaxed IRA money? Implications?
Replies: 7
Views: 1110

Re: Are turbo tax state programs available yet

Thank you friends. It sounds like some states at least are available. And it sounds like somebody downloaded the state right off the bat (was it offered right away?) and somebody else needed to enter the federal info first (and then how did you get the state?). I guess maybe even entering one word o...
by Calm Man
Mon Dec 22, 2014 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are turbo tax state programs available yet
Replies: 5
Views: 437

Are turbo tax state programs available yet

I do want to go ahead and download TurboTax. (I need home and business, and I have read the thread about how to do it correctly.) I obviously have no tax forms yet, but I know exactly what I will be getting. Knowing myself, once I download the software and I am going to want to enter it. I have a nu...
by Calm Man
Mon Dec 22, 2014 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are turbo tax state programs available yet
Replies: 5
Views: 437

Re: How to make a long bet on Crude Oil

Yes, there are excellent options that are far cheaper than ETFs, stocks or funds. I used to know about them when I "played" awhile. It is simply going long in oil futures nexxt month or 2 months from now or a year from now. The costs are relatively low and it is marked to market every day ...
by Calm Man
Sun Dec 21, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to make a long bet on Crude Oil
Replies: 28
Views: 2788

Re: Using balanced funds to avoid rebalancing

Practically, I believe that people can manage this going forward by simply directing new contributions towards the underrepresented asset class. Or for those who are depleting their portfolio, by withdrawing from the under represented class. You probably meant to write "Or for those who are de...
by Calm Man
Sun Dec 21, 2014 6:35 pm
 
Forum: Investing - Theory, News & General
Topic: Using balanced funds to avoid rebalancing
Replies: 30
Views: 2630

Re: Using balanced funds to avoid rebalancing

It should also be noted that at the end of that period, not rebalancing at all would have left you with a stock/bond AA of 66/34. Not altogether too far off from where we started, considering 12 years passed. Very good thread. Toto, I am so happy you did your calculations and I would like to focus ...
by Calm Man
Sun Dec 21, 2014 5:22 pm
 
Forum: Investing - Theory, News & General
Topic: Using balanced funds to avoid rebalancing
Replies: 30
Views: 2630

Re: When do dividends post to Vanguard accounts?

Getting cash is a one-step process; reinvesting a two-step process with getting the cash as the first step. I guess that is a naive way to look at it. Think of that in reverse. The fund already has the cash; it is easier/faster for them to transform your proportionate share of that cash into more s...
by Calm Man
Sat Dec 20, 2014 2:56 pm
 
Forum: Investing - Theory, News & General
Topic: When do dividends post to Vanguard accounts?
Replies: 13
Views: 1404

Thoughts (2) on Vanguard distributions

1. Total stock market. Out of curiosity I looked at distributions over the last few years. All dividends. Each quarter exceeds the prior year's same quarter by over 10%. So the current "yield" of TSM Admiral is about 1.8% but if you add this year's total dividends and divide by the beginni...
by Calm Man
Fri Dec 19, 2014 7:31 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts (2) on Vanguard distributions
Replies: 1
Views: 794

Re: Vanguard's economic and investment outlook [2015]

Interesting report. And if one asked the authors, I repeat THE AUTHORS: (sirs, what would you like me to do with the information?" -- what would they say?
by Calm Man
Thu Dec 18, 2014 8:18 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's economic and investment outlook [2015]
Replies: 21
Views: 3215

Re: Downloading TurboTax - tips for an easy process

Thank you for this outstanding post. Tell me if this makes sense as I have used TTax in the last several years. I had done it through the Vanguard portal. I have not done it yet through Vanguard for the 2014 tax year as I am waiting until things are "finalized" about Dec 25th or so.. So I ...
by Calm Man
Thu Dec 18, 2014 7:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Downloading TurboTax - tips for an easy process
Replies: 20
Views: 4578

Re: Why would you invest in a bond fund?

Pretty much everything. I suggest you read the wiki about asset allocation.
by Calm Man
Tue Dec 16, 2014 8:33 pm
 
Forum: Investing - Theory, News & General
Topic: Why would you invest in a bond fund?
Replies: 25
Views: 2543

Re: 100% bonds in inherited IRA - does it make sense?

This is an issue I grapple with in many accounts. If you think about it level-headed, what if you KNEW it would grow more one way than the other, in which case the RMDs would be larger because you had more and thus the taxes were higher? Would you not want that to have lower taxes? I am not being fa...
by Calm Man
Tue Dec 16, 2014 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: 100% bonds in inherited IRA - does it make sense?
Replies: 4
Views: 437

Re: "Vanguard converting mutual fund accounts to brokerage?

I wouldn't mind merging them but haven't yet. I have a question that I cannot get an answer to from anybody. Right now, all of my mutual funds (actually only 2 in taxable and 2 in IRA) all have first the 2 or three digit fund # and then an IDENTICAL account # (something like 9777733333). If you move...
by Calm Man
Mon Dec 15, 2014 9:55 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 302
Views: 32571

Re: Are all computer printers now wireless?

I am asking whether things need to be set up again each time I turn the router on? Or will the printer always recognize the router (or vice versa) even if the power has been interrupted in between? One of the risks of powering everything down is that the IP address assigned to the printer may chang...
by Calm Man
Mon Dec 15, 2014 9:49 pm
 
Forum: Personal Consumer Issues
Topic: Are all computer printers now wireless?
Replies: 33
Views: 2148

Re: Should I buy house with a crack?

Thank you for the replies. I think we will look for another home. This home has a great view and is in an excellent location, but I also "am chicken" as Calm Man mentioned above. So best not to spend my life worrying all the time about the foundation. Thanks! freedom, revisiting this, I a...
by Calm Man
Mon Dec 15, 2014 9:40 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy house with a crack?
Replies: 29
Views: 3348

Dilemma with Turbo Tax & NJ-Lady Geek, Grabiner, others?

http://www.bogleheads.org/forum/viewtopic.php?f=2&t=111187&p=1616169 I refer to the above post from a year ago when Lady Geek and Grabiner provided good information about New Jersey. Something is happening this year for the NJ Long Term Bond fund, which is it is distributing short and long t...
by Calm Man
Mon Dec 15, 2014 2:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dilemma with Turbo Tax & NJ-Lady Geek, Grabiner, others?
Replies: 1
Views: 544

Re: Are all computer printers now wireless?

Oh,,I see what you were asking now,,,,,No you do not have to go through the "set-up" again after you turn on the modem and router,once the wireless printer is initially set-up to the network,for lack of a better word it "remembers"the network. :happy Just curious ,if you don't m...
by Calm Man
Mon Dec 15, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: Are all computer printers now wireless?
Replies: 33
Views: 2148

Re: Are all computer printers now wireless?

This question is going to appear to be so dumb that I am embarrassed. But here goes. I assume that setting up a wireless printer involves utilizing the existing wireless router, right? I am somebody who turns off my modem and router and computer every night. Is that OK or does the ability of the ro...
by Calm Man
Mon Dec 15, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Are all computer printers now wireless?
Replies: 33
Views: 2148

Re: Should I buy house with a crack?

I am a chicken. I don't buy houses with cracks on the floor extending all the way. I figure that if I see that, who knows what I (or an inspector) am not seeing ?
by Calm Man
Mon Dec 15, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy house with a crack?
Replies: 29
Views: 3348

Re: Are all computer printers now wireless?

This question is going to appear to be so dumb that I am embarrassed. But here goes. I assume that setting up a wireless printer involves utilizing the existing wireless router, right? I am somebody who turns off my modem and router and computer every night. Is that OK or does the ability of the rou...
by Calm Man
Mon Dec 15, 2014 12:50 pm
 
Forum: Personal Consumer Issues
Topic: Are all computer printers now wireless?
Replies: 33
Views: 2148

Re: Trying to Understand the ACA Reinbursement Process

The whole implementation and roll out of this is something that is going to be unbelievable to watch. I cannot imagine and any planning is uncertain now as we have no idea what systems will be in place and how accurate everything is. I am awaiting stories and reports after the net tax filing season.
by Calm Man
Tue Dec 09, 2014 7:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to Understand the ACA Reinbursement Process
Replies: 17
Views: 872

Re: Buying a casket

We had this situation with my father who died at 88+ in March. About 2 weeks before hand we went to the funeral home and did the whole thing in one package. Service, rabbi, limo for the mourners, hearse, casket. Also of course, pickup of the body from the nursing home. And my mother wanted a couple ...
by Calm Man
Tue Dec 09, 2014 7:13 pm
 
Forum: Personal Consumer Issues
Topic: Buying a casket
Replies: 19
Views: 2480

Re: If you don't need the Soc Sec, when to start taking it?

Rita, Do not despair. You will have a secure retirement. If it is any comfort to you, many here would "kill" to have a combined effective tax rate of 15% on IRA withdrawals. Remember that you have had deferrals for many years and somehow the government needs to pay it's bills. And especial...
by Calm Man
Mon Dec 08, 2014 9:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you don't need the Soc Sec, when to start taking it?
Replies: 39
Views: 4535

Re: One $5,500 IRA purchase on New Year's 2015.

I suggest doing what I have my daughter doing as you never know when you get hit by a bus or die because the Lord has decided when your time has come for some reason. Wait until you get the necessary earned income for a calendar year. Then go ahead and make the full contribution. Being wise and shre...
by Calm Man
Mon Dec 08, 2014 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: One $5,500 IRA purchase on New Year's 2015.
Replies: 3
Views: 784

Re: Helping mom with SS

Good lord. You refer to ex-pouse and current spouse. I hope one is your father !!! This is a rare case of having her go in and praying she gets a competent representative in the social security office nearest you. It sounds like you know more than her (I wish that were my situation) and maybe you sh...
by Calm Man
Mon Dec 08, 2014 7:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Helping mom with SS
Replies: 7
Views: 603

Re: Transferring files onto a new computer

I have to do a major support for Dropbox or if I ever exceed a few G which I doubt something like google. Because I have used dropbox just for the "heck of it" for a few years but always did monthly backups on a flash drive. Somehow (impending senility I hope not) I was using File Manager ...
by Calm Man
Mon Dec 08, 2014 7:30 pm
 
Forum: Personal Consumer Issues
Topic: Transferring files onto a new computer
Replies: 32
Views: 2722

Re: Vanguard Turbo Tax prices anounced

I will use Turbo Tax again this year even though it is going to cost me over $100 (I MUST use Home & Business now) even with my Flagship discount. That said, I indeed remember that Bob M (I don't remember his last name) from TurboTax was courageous enough to respond to a thread on this site. I t...
by Calm Man
Mon Dec 08, 2014 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 92
Views: 15720

Re: High(ish) earner; spending too much?

I notice that your post is full of comparisons to others and I suggest you examine that. Good luck to you.
by Calm Man
Sun Dec 07, 2014 9:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: High(ish) earner; spending too much?
Replies: 71
Views: 9332

Re: What's the logic behind the Roth IRA income limit

It was logical in the sense that the government did not want higher earners to get tax-free deferral for life. Regardless of one's politics, at least it is understandable at some level. But then, the "back door Roth" was allowed. And now anybody can convert to a Roth. So it now makes no se...
by Calm Man
Sun Dec 07, 2014 7:30 pm
 
Forum: Investing - Theory, News & General
Topic: What's the logic behind the Roth IRA income limit
Replies: 12
Views: 1352

Re: Holiday Meal Splurging (Wagyu beef)

You could try a vegetarian meal. That would be a nice Christmas gift to the animals !!
by Calm Man
Sun Dec 07, 2014 1:52 pm
 
Forum: Personal Consumer Issues
Topic: Holiday Meal Splurging (Wagyu beef)
Replies: 17
Views: 1629

Re: How do brokerage accounts work?

OP, are you actually going to buy 10 stocks for $100 each? When you put orders in, you usually have to specify a number of shares. So you will get somewhere between zero shares (google) and maybe 10 on a $10 stock. If this is just for fun, better to play a little online poker or go to the racetrack.
by Calm Man
Sun Dec 07, 2014 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do brokerage accounts work?
Replies: 28
Views: 1595

Re: Retirement Questions

OP,
Can I suggest something to you.
The first is easy to say. It sounds like you have benefited a great deal from the people at this site. And you are further looking to get assistance here. It cost money to maintain the site. A donation would be very nice indeed.
by Calm Man
Sat Dec 06, 2014 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Questions
Replies: 7
Views: 1435

Re: Better at making than investing

Very interesting. So if there was little to no return, it wouldn't matter. You are willing to simply spend the 140K a year (let's assume zero return) and simply deplete the estate to zero. I assume you'd slow down in the later years and you do need to save some for potential nursing homes or catastr...
by Calm Man
Sat Dec 06, 2014 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Better at making than investing
Replies: 17
Views: 2105

Re: Vanguard Turbo Tax prices anounced

They are sending me to the poorhouse :evil: Most here need the Deluxe and $9.99 for Flagship clients is great. I am a consultant and thus have to use Home and Business. So this goes straight up toe $79.99 with no difference for Flagship. Boo. Serious question though as I have usually used Desktop D...
by Calm Man
Fri Dec 05, 2014 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 92
Views: 15720

Re: Bogle Advises Investing No More Than 20% Outside U.S.

Loyal opposition to the concensus here and a supporter of Jack's position. It just seems to me that with the increased cost and taxes of the international fund, one needs about 1/2% greater return with international to be even. I am essentially all in the Total stock market index. I just think marke...
by Calm Man
Fri Dec 05, 2014 6:36 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 13371

Re: Vanguard Turbo Tax prices anounced

They are sending me to the poorhouse :evil: Most here need the Deluxe and $9.99 for Flagship clients is great. I am a consultant and thus have to use Home and Business. So this goes straight up toe $79.99 with no difference for Flagship. Boo. Serious question though as I have usually used Desktop Do...
by Calm Man
Fri Dec 05, 2014 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 92
Views: 15720

Re: What's your take on International Bonds?

I HATE international bonds, at least those available in the Vanguard fund. The yield is much lower than the Total Bond Market, with a longer duration and lower quality. So it makes no sense to me. I acted on this in that I recently got rid of my Life Strategy fund and replaced it with the stock inde...
by Calm Man
Wed Dec 03, 2014 7:11 pm
 
Forum: Investing - Theory, News & General
Topic: What's your take on International Bonds?
Replies: 9
Views: 892

Re: Close to retirement with this much money need thoughts!

Pearl, You seem like a sharp, self-honest person and I admire that quality. You presumably have a teacher's license right? Aside from the divorce settlement, I don't see other assets or savings. Did you just get your license or if not, was there a reason you could not work all those years? I am tryi...
by Calm Man
Wed Dec 03, 2014 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Close to retirement with this much money need thoughts!
Replies: 14
Views: 2805

Re: First rental property question

If your MIL is in decent financial shape, why not have her buy the property and live in it?
by Calm Man
Mon Dec 01, 2014 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: First rental property question
Replies: 14
Views: 1506

Re: "2015 Tax Brackets, Standard Deduction, and Other Update

Do the Medicare extra high income limits go up every year, or are they fixed like the amounts for the minimum tax? Ralph Ralph, very bad news here. The Medicare excess tax from the Obamacare law is fixed at 0.9% over 200K permanently. The 200K threshold is also used permanently for the 3.8% Net Inv...
by Calm Man
Mon Dec 01, 2014 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: "2015 Tax Brackets, Standard Deduction, and Other Updates
Replies: 13
Views: 2665

Re: A simple coffee maker

Thank you so much to all of you for your comments. There is a great range of comments and ideas for me to consider..
by Calm Man
Mon Dec 01, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: A simple coffee maker
Replies: 38
Views: 3300

Re: A simple coffee maker

We have a Mr. Coffee TFX23GTF 12-cup maker, about 3 years old. Works fine, cost about $20 on sale at K-Mart. You can set it to brew at a certain time. We have a reusable mesh filter, do not use paper. I don't know if it has a timer to turn off the warmer. We turn it off after brewing and, if necess...
by Calm Man
Sun Nov 30, 2014 8:44 pm
 
Forum: Personal Consumer Issues
Topic: A simple coffee maker
Replies: 38
Views: 3300

A simple coffee maker

My next major acquisition is a drip coffee maker at home. I would like something that is easy to clean, reliable and without any bells and whistles except a switch to turn it on/off and an auto shutoff at 2 hours or so. I guess 12 cups (they call a cup I think 5 ounces) is about right. We must have ...
by Calm Man
Sun Nov 30, 2014 7:18 pm
 
Forum: Personal Consumer Issues
Topic: A simple coffee maker
Replies: 38
Views: 3300
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