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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: 1168

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: 673

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: 2786

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: 7
Views: 1276

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: 1964

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: 399

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: 252
Views: 16815

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: 2036

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: 3203

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: 510

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: 2036

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: 2036

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: 3203

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: 2036

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: 842

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: 2309

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: 4253

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: 751

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: 571

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: 30
Views: 2033

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: 57
Views: 7775

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: 70
Views: 8145

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: 1316

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: 1540

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: 1505

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: 1388

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: 2004

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: 57
Views: 7775

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: 11468

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: 57
Views: 7775

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: 819

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: 2763

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: 1431

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: 2513

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: 3173

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: 3173

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: 3173

Re: Odd Issue with a Best Buy Return

Honestly, you're coming across as 100% the bad guy in this instance. Yes, there's a real lack of rational thought being displayed. You made a mistake. Try to deal with it calmly and have patience. Possibly it can be sorted out, although your remarks about a vendor being involved are somewhat confus...
by Calm Man
Sun Nov 30, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: Odd Issue with a Best Buy Return
Replies: 59
Views: 5181

Re: Can I get tax credits for my brother college fees?

livesoft wrote:There's the solution: Get married to your brother.


Or he can adopt him.
by Calm Man
Sat Nov 29, 2014 10:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I get tax credits for my brother college fees?
Replies: 13
Views: 1456

Re: Irrevocable "income only" trust, nursing home, tax quest

At the age of 68, he is really going to give it away -- poof? I sure wouldn't. What if he lives for 30 years and doesn't need a nursing home. "Son, can I please have some money?"
by Calm Man
Sat Nov 29, 2014 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Irrevocable "income only" trust, nursing home, tax questions
Replies: 11
Views: 1292

Re: Odd Issue with a Best Buy Return

Best Buy's return policy seems pretty standard based on my experience. "With a few exceptions, we will reimburse you for returned items in the same way you paid for them. If you prefer, you can make an exchange for the same item. If you paid more than $800 in cash or more than $250 by check or...
by Calm Man
Sat Nov 29, 2014 10:35 pm
 
Forum: Personal Consumer Issues
Topic: Odd Issue with a Best Buy Return
Replies: 59
Views: 5181

Re: Converting stocks in tax deferred accounts to taxable

The reason that timing doesn't matter is that you are keeping the same allocation, just moving stock from one account to another. If the stock market rises, you will have the same gain no matter which account contains the stock. That part I understand. But bear with me -- if the stocks are higher a...
by Calm Man
Sat Nov 29, 2014 10:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converting stocks in tax deferred accounts to taxable
Replies: 12
Views: 606

Re: Converting stocks in tax deferred accounts to taxable

I am determined in the next 2 years to "convert" the stock funds in the deferred account over to my regular taxable accounts. There is sufficient cash in the taxable account to make these "lateral" changes. Just to clarify: my post was based on the reading that CM plans to sell ...
by Calm Man
Sat Nov 29, 2014 9:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converting stocks in tax deferred accounts to taxable
Replies: 12
Views: 606

Converting stocks in tax deferred accounts to taxable

Because of nothing other than stupidity, I have a bunch of stock index funds in tax-deferred traditional IRAs and a variable annuity at Vanguard. I hate that as I am essentially converting capital gains growth to ordinary income. I am determined in the next 2 years to "convert" the stock f...
by Calm Man
Sat Nov 29, 2014 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converting stocks in tax deferred accounts to taxable
Replies: 12
Views: 606

Re: Odd Issue with a Best Buy Return

Responsibility: 50% yours for sending whoever you sent in to the store except yourself. 50% the person who went in for agreeing to such a setup. What to do: I would lay low. I doubt your company will like the fact that you traded in their gift to you. However, if they see it was returned to them, pa...
by Calm Man
Sat Nov 29, 2014 7:46 pm
 
Forum: Personal Consumer Issues
Topic: Odd Issue with a Best Buy Return
Replies: 59
Views: 5181

Re: Vanguard Money Market Fund - keep open ?

Regarding the switch to all funds and everything in the brokerage account -- I have been resisting it despite encouragement from my Flagship rep. One of the few numbers I have memorized is the account # for all of my mutual funds, which is the same. I like my account # and would rather it not change...
by Calm Man
Tue Nov 25, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market Fund - keep open ?
Replies: 17
Views: 1540

Re: Turbo Tax - Returns for different people & different sta

If your mother's state tax return is relatively straightforward, the NYS Tax Department offers an easy to use interface where you can efile her return directly with them for free. http://www.tax.ny.gov/pit/efile/pit_webfile.htm Even though I had a free NYS module (with free state efile) included in...
by Calm Man
Tue Nov 25, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Turbo Tax - Returns for different people & different states
Replies: 6
Views: 671

Turbo Tax - Returns for different people & different states

I have always downloaded TurboTax for myself (I file a NJ state return) and done my mother's online (she lives in NY). I will need the Home & Business for 2014 while she will need a lesser version. I see now that TurboTax says you can file up to 5 federal returns. But it seems that one can downl...
by Calm Man
Tue Nov 25, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Turbo Tax - Returns for different people & different states
Replies: 6
Views: 671

Re: 23 year old... Can I afford a Rolex?

I cannot answer your question. I can say that as a man who is substantially older than you, I cannot imagine how somebody can have a value system that is so diametrically opposed to mine.
by Calm Man
Sat Nov 22, 2014 8:47 pm
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 13967

Re: Trapped deciding between 2 Jobs: Can I renege on my offe

OP, I would like you to make sure that B really does have professional development. A contract job means that you are not an employee and development has to be limited because otherwise you are an employee. And although many people do not care, this company is funded a lot by the government and they...
by Calm Man
Wed Nov 19, 2014 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trapped deciding between 2 Jobs: Can I renege on my offer?
Replies: 36
Views: 3898
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