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Re: First I Bond Purchase

With 5 year tips likely to go for north of 0.3% real and Ibonds at 0.0% real, I decided to go with todays tips auction.
by Carl53
Thu Dec 18, 2014 8:03 am
 
Forum: Investing - Theory, News & General
Topic: First I Bond Purchase
Replies: 10
Views: 1186

Re: 5 yr TIPs auction Dec 2014??

At COB the indicated rate is 0.344%.
by Carl53
Wed Dec 17, 2014 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: 5 yr TIPs auction Dec 2014??
Replies: 13
Views: 1828

Re: 5 yr TIPs auction Dec 2014??

This afternoon the projected interest rate by Vanguard has dropped to .218% about 0.060% lower than what the purchase yield would have been on Monday in the secondary market. It will be interesting to see if it recovers at auction.
by Carl53
Wed Dec 17, 2014 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: 5 yr TIPs auction Dec 2014??
Replies: 13
Views: 1828

Re: 5 yr TIPs auction Dec 2014??

This evening Bloomberg bond page lists 5 year Tips now with an equivalent yield of 0.34% and a price of 99 and 3/32. I presume that this is on the secondary market. Would it not be better to procure TIPS at that price than at the reopening, or would that price not really be available?
by Carl53
Mon Dec 15, 2014 6:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: 5 yr TIPs auction Dec 2014??
Replies: 13
Views: 1828

Re: Social Security maximum earnings limit question.

I downloaded the AnyPIA calculator from SSA a couple of years ago. I entered my data, I believe I had something like 37 years with at least some credit at the time but most years the income exceeded the appropriate annual maximum FICA taxable limit. Several of the early years were part-time work whi...
by Carl53
Mon Dec 15, 2014 9:52 am
 
Forum: Investing - Theory, News & General
Topic: Social Security maximum earnings limit question.
Replies: 11
Views: 720

Re: 5 yr TIPs auction Dec 2014??

Assuming the VG current indicative yield (0.313%) holds, what would the total price be assuming a 12/31 settlement date?
by Carl53
Mon Dec 15, 2014 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: 5 yr TIPs auction Dec 2014??
Replies: 13
Views: 1828

Re: Uneven Home Heating. Can I Adjust Furnace Valves?

My sense is OP needs expert advice-- follow the heating engineer around, ask questions, learn what is going on. 'amateur' maintenance or tinkering without this knowledge could damage the system. I would not also increase the water temperature without a clear indication this is OK either from the ma...
by Carl53
Thu Dec 11, 2014 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Uneven Home Heating. Can I Adjust Furnace Valves?
Replies: 22
Views: 1907

Re: Anyone have Bank pay incorrect RMD?

Update: I have resolved the discrepancies I had with the RMDs the institution had been calculating. I visited my inlaws today and studied their non-IRA CDs and found that I could not match the statements they received quarterly for most of their accounts other than the IRAs. They receive no updates ...
by Carl53
Wed Dec 10, 2014 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone have Bank pay incorrect RMD?
Replies: 12
Views: 1100

Re: Quintessential Australia/New Zealand Things To Do/Visit

Tasmania, rent a car and wander. Melbourne, St Kilda (Melbourne suburb), Victoria Market, great public transportation system Great Ocean Road = many miles of scenic unpopulated beaches Great Barrier Reef Sydney Opera House Phillip Island both the preserve for the fairy penguins but also a privately ...
by Carl53
Wed Dec 10, 2014 6:17 am
 
Forum: Personal Consumer Issues
Topic: Quintessential Australia/New Zealand Things To Do/Visit
Replies: 17
Views: 1296

Re: POLL: Timing of Jan 1st payments

We bunch both deductions and Roth conversions. Unfortunately we still have roughly $3k in lost deductions in the unbunched years.
by Carl53
Mon Dec 08, 2014 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Timing of Jan 1st payments
Replies: 9
Views: 1461

Re: Family jewels, kind of.

We've given our son a couple of inherited diamonds. Neither girl worked out. One lost the ring, the other turned psycho and married someone else shortly after getting the custom made ring. He did get that ring back but is still paying on it. I never would have expected compensation for either. Perha...
by Carl53
Sun Dec 07, 2014 5:48 am
 
Forum: Personal Consumer Issues
Topic: Family jewels, kind of.
Replies: 44
Views: 3310

Re: Anyone have Bank pay incorrect RMD?

The 1099s for the prior two years did not indicate any notation about tax withholding. I received today information regarding the RMD distributions for this year based upon the automatic deposits in checking/savings accounts. This years distributions increased by amounts similar to what I would have...
by Carl53
Sat Dec 06, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone have Bank pay incorrect RMD?
Replies: 12
Views: 1100

Anyone have Bank pay incorrect RMD?

I've helped my inlaws the last couple of years do their taxes. Just get a folder of pensions, interest, SS and automatic RMDs and put it into turbotax for them. Never thought too much about it. I've had them take a few extra thousand from a 401k each year which they could do tax free. They would not...
by Carl53
Sat Dec 06, 2014 8:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone have Bank pay incorrect RMD?
Replies: 12
Views: 1100

Re: Vanguard Turbo Tax prices anounced

There is now a disclaimer at the top of the webpage.

Coming soon: TurboTax for tax year 2014 will be available soon. Please return to this page at that time to take advantage of great discounts. The pricing information below is not reflective of 2014 pricing.
by Carl53
Fri Dec 05, 2014 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 57
Views: 7735

Re: Get up to $30 back per Amex card (Small Business Sat, 11

We have blue cash preferred with my spouse as an authorized user. Her card is issued with a different number than mine. The sign up on Small Business Sat Amex promotion made it sound to me like only my card would be usable for the promotion. I noticed from the website when I was logged out of my ac...
by Carl53
Wed Dec 03, 2014 12:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 7159

Re: Retirement portfolio review - low taxes; tight budget

If you were able to work a little next year, you might be able to get up to a 50% Retirement Savers Credit if you could put aside a few thousand dollars and your AGI was under $36500. Lesser percentage credits available for higher AGIs. The credit for a couple is nonrefundable and worth up to $2k fo...
by Carl53
Sun Nov 30, 2014 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement portfolio review - low taxes; tight budget
Replies: 20
Views: 2830

Re: Plywood R value attic - energy efficiency

You mention electricity (heat pump?) so doubly so. And it will make your house more comfortable both in summer and winter, which is a big plus. No heat pump. We live in south Louisiana. I don't know of anyone that owns one in this area. But I am certainly willing to consider pending efficiency of o...
by Carl53
Sun Nov 30, 2014 5:42 pm
 
Forum: Personal Consumer Issues
Topic: Plywood R value attic - energy efficiency
Replies: 29
Views: 1682

Re: Get up to $30 back per Amex card (Small Business Sat, 11

I got an email from AmEx on two of the three purchases. The time shows they are sent around the same time as the purchase. I did not get one confirmation email. Should I be concerned? Same thing happened to me. The transaction that did not generate an email was a gas station. Perhaps because a gas ...
by Carl53
Sun Nov 30, 2014 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 7159

Re: Get up to $30 back per Amex card (Small Business Sat, 11

We have blue cash preferred with my spouse as an authorized user. Her card is issued with a different number than mine. The sign up on Small Business Sat Amex promotion made it sound to me like only my card would be usable for the promotion. I noticed from the website when I was logged out of my acc...
by Carl53
Sun Nov 30, 2014 9:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 7159

Re: Plywood R value attic - energy efficiency

Menards is running R25 8 inch thick rolls of 15 inch wide Certainteed insulation for 2.99 after rebate on up to 24 rolls.
by Carl53
Fri Nov 28, 2014 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Plywood R value attic - energy efficiency
Replies: 29
Views: 1682

Re: Refinancing Question

What percentage is your PMI? Does the amount reset annually? If so, how much did it drop this year compared to the prior year?
by Carl53
Tue Nov 25, 2014 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinancing Question
Replies: 10
Views: 1238

Re: Can't quite max out TSP contribution--what to do?

Hi everyone, I normally max out my TSP contribution every year, and being of a "certain age" also make the catch-up contribution. This year I have had some changes in my work schedule, which have resulted in being on leave from the job which feeds the TSP contribution, so I've had to play...
by Carl53
Mon Nov 24, 2014 9:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Can't quite max out TSP contribution--what to do?
Replies: 8
Views: 797

Re: Bogleheads, anyone doing "Black Friday"

Last 2 years I ventured out in my small town to pick up 4 large packages of eveready batterys at a Rural King. $10 each with a $10 rebate. I probably will give them away this year as I still have quite a few left from prior years. Maybe they'll expand beyond AA and AAA. The other item I hope to agai...
by Carl53
Mon Nov 24, 2014 9:30 am
 
Forum: Personal Consumer Issues
Topic: Bogleheads, any "Black Friday" [recommendations]
Replies: 59
Views: 5642

Re: My grown up Christmas wish-A Warm House

We rented a home similar to yours back in the early 80s for a few years. The first year we froze to death according to my spouse, there were mornings that we had snow on the inside sill of one of our bedroom windows. We spent about $900 on fuel oil despite closing off most of the rooms. We actually ...
by Carl53
Mon Nov 24, 2014 5:35 am
 
Forum: Personal Consumer Issues
Topic: My grown up Christmas wish-A Warm House
Replies: 27
Views: 3233

Re: New to Vanguard and serious about retirement planning

A few questions. What size will your pension be? Will its level change at age 62? Are you intending to maintain your current expenditures or will they change such as an increase due to traveling? What are your SS prospects? What about your medical situation, insurance and health? If you wait until t...
by Carl53
Mon Nov 24, 2014 5:01 am
 
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard and serious about retirement planning
Replies: 12
Views: 1594

Re: Vanguard Personal Performance History: 10 Years

A correspondent suggests caution in interpreting these charts. "The history Vanguard shows is not your history and the history of all your accounts, but only the history of your current accounts. At least that is my theory based on what I observe." The longer the period of time, the great...
by Carl53
Sun Nov 23, 2014 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Performance History: 10 Years
Replies: 13
Views: 2093

Re: Saving Strategy For a Young Person?

I thought I had this figured out, but this thread http://www.bogleheads.org/forum/viewtopic.php?p=2267288 suggests, maybe not. A young person, age 23 and single, has a decent skilled-trades job paying $40,000 per year. He also has a substantial amount, say $60,000, of unused education savings in a ...
by Carl53
Sun Nov 23, 2014 5:29 am
 
Forum: Investing - Theory, News & General
Topic: Saving Strategy For a Young Person?
Replies: 17
Views: 1858

Re: Questions About 401k and AGI and Traditional vs Roth IRA

While I still have no idea where the .68 in the original equation comes from and how I need $8,461 of gross to yield $5,500, I trust you know why. What I can grasp is that I'm really only reducing my tax bill by 1,925 minus the 1,036. I'm not actually saving the full $1,925, which is what I thought...
by Carl53
Fri Nov 21, 2014 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Questions About 401k and AGI and Traditional vs Roth IRAs
Replies: 47
Views: 3136

Re: Buying a lasting vehicle

You can pay cash and if an emergency pops up, put it on your cc. If it is big enough that you will not be able to pay it off at the end of the month, refinance the car for a few thousand with PenFed CU or similar establishment. Seems like they often have very good deals on car refinancing as in occa...
by Carl53
Fri Nov 21, 2014 9:18 am
 
Forum: Personal Consumer Issues
Topic: Buying a lasting vehicle
Replies: 33
Views: 4715

Re: Get up to $30 back per Amex card (Small Business Sat, 11

In my county with about 40000 people there were 59 establishments listed as eligible. I did not see any listed that were major companies. The largest noticed was a local grocery that has 3 stores across 3 counties.
by Carl53
Thu Nov 20, 2014 7:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 7159

Re: Enough compensation

I can tell you that Vanguard has increased its funds under management to $3 trillion as of this last October, up from $1.4 trillion when Mr McNabb took over. http://online.wsj.com/articles/how-vanguard-hit-3-trillion-1412539983 In 2008 the average ER was 0.20%. https://advisors.vanguard.com/iwe/pdf/...
by Carl53
Wed Nov 19, 2014 4:49 pm
 
Forum: Investing - Theory, News & General
Topic: [Bill McNabb's] compensation
Replies: 12
Views: 2114

Re: Humidifier: How much condensation is too much?

At first the article made me wonder if I should reduce my use of a small room atomizer that I've turned on for the last few days. With it running in my basement the relative humidity has been about 43%. At night some of the windows have collected frost, but since that disappears during the day, acco...
by Carl53
Wed Nov 19, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Humidifier: How much condensation is too much?
Replies: 35
Views: 2446

Re: Pension buyout offer - Accept or reject

Even if the plan goes under, you are good to go with the PBGC. For a 53 year old and a 50% J/S pension being picked up by PBGC in 2014, the pension is fully covered up to $1824.
by Carl53
Wed Nov 19, 2014 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout offer - Accept or reject
Replies: 46
Views: 5543

Re: Get up to $30 back per Amex card (Small Business Sat, 11

I logged in to my Blue Cash Preferred and stumbled across the offer and was able to register. There was several other offers I signed up for although I might not use them ($5 back on a $5+ purchase from McDonalds, $10 back on $50 purchase from city barbecue) as well as a number of other offers. The ...
by Carl53
Wed Nov 19, 2014 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 7159

Re: Humidifier: How much condensation is too much?

I tried to find the original U Minnesota study/article that is mentioned in above as a source for humidity information. The best the U of M website could do was point me to a website at the University of North Dakota. That website had no information other than have a reference at the University of W...
by Carl53
Wed Nov 19, 2014 12:54 pm
 
Forum: Personal Consumer Issues
Topic: Humidifier: How much condensation is too much?
Replies: 35
Views: 2446

Re: How often do you go out to dinner?

I checked 1 but in reality if by 'dinner' the poster intended only evening meals eaten at a restaurant, I probably should have checked 0 as we do not often eat out in the evening. I also see that take out was not intended to be included. We at least once a month pick up takeout meals on the way to t...
by Carl53
Wed Nov 19, 2014 7:17 am
 
Forum: Personal Consumer Issues
Topic: How often do you go out to dinner?
Replies: 60
Views: 5564

Re: lock-up for 20 years [20 year CD]

Some folks buy EE bonds and hold for 20 years for less yield. It just seems like too long a period with too much inflation risk. One other aspect that I've not seen previously mentioned is FDIC insurance. If the interest compounds, you are immediately over the $250k insured limit. Some institutions ...
by Carl53
Wed Nov 19, 2014 7:00 am
 
Forum: Personal Finance (Not Investing)
Topic: lock-up for 20 years [20 year CD]
Replies: 21
Views: 2620

Practice of Vendors Rounding Up [to distribute to charities]

My local power company placed a charge I didn't recognize on my bill. It rounded up my bill to the next whole dollar. When I spoke with the power company they said they'd instituted it to provide funds that they could distribute to deserving charities. I am aware of some of the charities that they'v...
by Carl53
Mon Nov 17, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: Practice of Vendors Rounding Up [to distribute to charities]
Replies: 7
Views: 755

Re: Excess Contributions to Two 401(k)s

I never had two active 401ks at once. One time I went over the limit as I too was dismayed at not contributing the limit. The company made it an after tax contribution. It became quite a hassle. I would recommend that you adjust down your company A % for December by a sufficient amount that you do n...
by Carl53
Sun Nov 16, 2014 6:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Excess Contributions to Two 401(k)s
Replies: 4
Views: 397

Re: Help Understanding My Employer's 401(k) Options

OP, you state that you have been contributing for about a year. If it was for the 1st 10 months of the year and you have no earnings through October on your 401k, and you have been contributing at 4% it appears that your salary might be on the order of $2k/month. Kudos to you if you are saving on a ...
by Carl53
Sat Nov 15, 2014 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Understanding My Employer's 401(k) Options
Replies: 11
Views: 936

Re: Consider freezing your credit

I leave blank the SS number entry on doctor/dentist information forms. If they ask, I tell them I prefer for them not to have it. I find it interesting that one of them came up with a number that they print on their forms that has a single digit different from what the actual number is. I suppose t...
by Carl53
Thu Nov 13, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 45
Views: 4543

Re: Consider freezing your credit

In order to confirm your identity, some sites pull information from your credit file (e.g. the Social Security site does this to set up an account). Will one need to unfreeze the credit file in order to sign on to one of these sites? Also, do doctors/dentists access the credit file when taking new ...
by Carl53
Thu Nov 13, 2014 8:36 am
 
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 45
Views: 4543

Re: Yes, another Roth conversion question!

For the next 2 years, until i get to Medicare (wife is already on it and not working) I am taking out a minimal amount from TIRA to get maximum subsidy from Obamacare. I want to keep those TIRA withdrawals low, to keep income low for those subsidies, therefore, if I did Roth conversions, would not ...
by Carl53
Thu Nov 13, 2014 7:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Yes, another Roth conversion question!
Replies: 4
Views: 558

Re: Consider freezing your credit

I froze my credit several years ago when I got tired of all the debt collectors calling. They were looking for an individual with the same first and last name as me that lived a few miles away. When you open a new line of credit you need to lift the freeze. For example, I applied for a new CC in Sep...
by Carl53
Thu Nov 13, 2014 7:40 am
 
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 45
Views: 4543

Re: Best microwave to replace kitchen stove

Can I bake bread in it? I don't have a convection oven but maybe with a microwave with convection I was curious if I could bake bread...normally about 350 degrees for 45 mins. We made cakes. Do not recall baking bread. BTW, bake times were reduced since the microwave also operated at a less than fu...
by Carl53
Wed Nov 12, 2014 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Best microwave to replace kitchen stove
Replies: 26
Views: 2109

Re: Yes, another Roth conversion question!

62, married, retired. Pension begins at 65, wait til 70 for SS, will file and suspend at 66 so wife gets spousal benefit. Using Taxcaster to project my future RMD/taxes, etc, even if I converted $30,000/year for six years, starting at age 65, I would still be in the 25% marginal bracket at age 70 1...
by Carl53
Wed Nov 12, 2014 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Yes, another Roth conversion question!
Replies: 4
Views: 558

Re: Assisted Living

My mother was in a wonderful assisted living apartment for a couple of years. Later on, as her dementia advanced, we had to relocate her as the former facility was not able to meet her needs.
by Carl53
Wed Nov 12, 2014 8:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living
Replies: 24
Views: 2244

Re: First time buyer - mortgage advise

Carl53, not sure if I understood your comment regarding not getting credit for payments as they continued to go to a previous lender. What difference does it makes if they service it or sell it to someone else to service it? Incidentally, the lender told me that they are a small bank and keep all t...
by Carl53
Wed Nov 12, 2014 5:21 am
 
Forum: Personal Finance (Not Investing)
Topic: First time buyer - mortgage advise
Replies: 15
Views: 1450

Re: Best microwave to replace kitchen stove

We lived 3 years with two young children back in the 80s in a house without a range. We had a one burner hotplate and a combination microwave/convection counter unit. I don't know if they still make such units, but it did it all from cakes to vegetables to medium size turkeys. It was made by Sharp a...
by Carl53
Wed Nov 12, 2014 5:11 am
 
Forum: Personal Consumer Issues
Topic: Best microwave to replace kitchen stove
Replies: 26
Views: 2109

Re: 51 yr old just starting over with employer 401(k)

It was asked previously about whether inservice withdrawals might be possible. This may be a major determining factor as to whether you choose to deposit 4% in the 401k, or more. At your income level you are solidly in the 25% tax bracket. So contributions to the 401k avoid 25% federal taxes as well...
by Carl53
Tue Nov 11, 2014 5:55 am
 
Forum: Investing - Help with Personal Investments
Topic: 51 yr old just starting over with employer 401(k)
Replies: 37
Views: 3963
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