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Re: Why did I just get a 2012 CA income tax refund check?

imgritz wrote:I didn't even get a "Thank You" card for paying my taxes. Enjoy your 2K.

I was preparing to enjoy it; was actually thinking of it as paying for my family vacation! Until FTB woke up and demanded "its" money back.

Grinches.
by DrDoodle
Wed Jun 18, 2014 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why did I just get a 2012 CA income tax refund check?
Replies: 15
Views: 1486

Re: Why did I just get a 2012 CA income tax refund check?

Well, FTB belatedly realized that it made a "mistake" and wants its money back. Which I can do. Though I had started to think of it as "my" money. :annoyed
by DrDoodle
Wed Jun 18, 2014 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why did I just get a 2012 CA income tax refund check?
Replies: 15
Views: 1486

Re: Why did I just get a 2012 CA income tax refund check?

Look closely at the check and any account numbers and make sure they match up to your filing. We had an odd problem several years ago with CA income tax where they had transposed a digit. FTP happily sent us the refund we filed for, and then six months later sent us a letter saying "hey, where...
by DrDoodle
Mon May 19, 2014 7:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Why did I just get a 2012 CA income tax refund check?
Replies: 15
Views: 1486

Re: Why did I just get a 2012 CA income tax refund check?

Note that this refund check that I just got (May 2014) is for the 2012 tax year, so more than one year after I filed. That's weird in and of itself! So I just looked at my actual 2012 return, and loaded it up in TurboTax 2012 and messed around with it. The really weird thing is that the refund check...
by DrDoodle
Sun May 18, 2014 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why did I just get a 2012 CA income tax refund check?
Replies: 15
Views: 1486

Re: Why did I just get a 2012 CA income tax refund check?

If I'm following correctly sscritic, you also got an unexpected refund check in the mail that came with NO explanation; but since you knew why you got it, you didn't call FTB or anything. Extrapolating from sample size of two, I guess this is FTB practice--sending checks with no explanation--am now ...
by DrDoodle
Sun May 18, 2014 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Why did I just get a 2012 CA income tax refund check?
Replies: 15
Views: 1486

Why did I just get a 2012 CA income tax refund check?

In 2012 my income was in the 0% federal capital gains zone, so I unloaded some gains; this resulted in about $2,000 of extra California income tax due, which wife and I paid with our return. This accounted for the vast majority of our California income tax bill; given deductions and stuff, our incom...
by DrDoodle
Sat May 17, 2014 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why did I just get a 2012 CA income tax refund check?
Replies: 15
Views: 1486

Re: FYI - Vanguard Household Statements No Longer Available

Not knowing this history, I just emailed Vanguard and asked for household statements. The reply confirmed that they're not available, but made it sound like maybe they're working on bringing them back at some undefined future date: We're unable to offer household statements at this time because the ...
by DrDoodle
Thu Jan 16, 2014 11:39 am
 
Forum: Investing - Theory, News & General
Topic: FYI - Vanguard Household Statements No Longer Available
Replies: 20
Views: 2658

Re: Home Surveillance Cameras - Any Tips?

Is there any easy way to integrate audio (microphone and speaker) into this kind of system? I'd like to get an alert (preferably via smartphone) when motion is detected, then have the ability to view the camera and talk to the person. Basically my concern is the person who comes around my house duri...
by DrDoodle
Tue Dec 24, 2013 2:44 pm
 
Forum: Personal Consumer Issues
Topic: Home Surveillance Cameras - Any Tips?
Replies: 34
Views: 4487

Re: Cheap & Good Wrinkle-Free/Non-Iron Dress Shirts

Anyone purchase the Stafford Performance shirts recently? Reviews seem to indicate that the construction has changed and perhaps may not be of the quality they were previously. I purchased quite a few recently in an attempt to find my size; discovered that everything is much slimmer/narrower than y...
by DrDoodle
Fri Oct 25, 2013 11:58 pm
 
Forum: Personal Consumer Issues
Topic: Cheap & Good Wrinkle-Free/Non-Iron Dress Shirts
Replies: 40
Views: 10432

Re: What's wrong with deflation?

I've always heard deflation described as scary because (1) it has the negative outcomes described above, and (2) once you get in a deflationary period, central banks are essentially powerless to get you out. That is, while central banks have tools to combat inflation, they have no tools to combat de...
by DrDoodle
Mon Sep 09, 2013 11:02 pm
 
Forum: Investing - Theory, News & General
Topic: What's wrong with deflation?
Replies: 37
Views: 3196

Re: Individual Stocks - Do you own any?

I used to own some individual stocks ... nearly every single one of them enjoyed a nice ride up, and then a collapse to, in several cases, bankruptcy. I realized that I lack the time, interest, and inclination to sufficiently monitor holdings of individual stocks. I sold off my last few in 2012 whil...
by DrDoodle
Tue Sep 03, 2013 10:52 pm
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks - Do you own any?
Replies: 97
Views: 7321

Re: What was your worst investment?

Every single individual stock that I've ever owned has been a bad investment. Or at least a bad investment or me. They've all gone up, then gone down, and mostly gone out of business. I realized that I just am not cut out for the amount of research, monitoring, and analysis that's needed to decide w...
by DrDoodle
Tue Jul 02, 2013 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: What was your worst investment?
Replies: 100
Views: 7904

Re: Is investing different for the "rich"?

Thanks everyone, this has been interesting reading. I'm going to take a crack at an answer to my own question now, informed by comments above. First, i think I've convinced myself that "rich" investors are still operating on the same risk-return frontier as the rest of us; they don't have ...
by DrDoodle
Fri May 03, 2013 8:54 am
 
Forum: Investing - Theory, News & General
Topic: Is investing different for the "rich"?
Replies: 34
Views: 3643

Is investing different for the "rich"?

I'm very happy and comfortable with my very boglehead-y investment strategy, but I sometimes wonder if the "rules" that guide boglehead investing also apply to individuals with a lot (say, $10+ million) of money to invest. I'm not thinking about people like Warren Buffet who, by virtue of ...
by DrDoodle
Thu May 02, 2013 6:49 pm
 
Forum: Investing - Theory, News & General
Topic: Is investing different for the "rich"?
Replies: 34
Views: 3643

Re: Has anyone read 4-hour work week?

I skimmed it at Barnes & Noble. As I recall, his Step 1 is "find a racket that generates big income for very little work on your part." Then on to the meat of the book, all about how to hire other people/services to relieve you from doing a lot time consuming and unrewarding stuff. At ...
by DrDoodle
Fri Mar 29, 2013 10:47 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone read 4-hour work week?
Replies: 18
Views: 3255

Re: [POLL] What would you like Vanguard to change or improve

Is there any way to randomize the order of the choices in this poll for future respondents? The first several choices are getting most of the votes, but we don't know for sure if this is because many people prefer these options, or because people tend not to read to the bottom of polls with 20+ cho...
by DrDoodle
Tue Mar 19, 2013 6:49 pm
 
Forum: Investing - Theory, News & General
Topic: [POLL] What would you like Vanguard to change or improve?
Replies: 92
Views: 7010

Re: [POLL] What would you like Vanguard to change or improve

I would like to require that the total annual compensation for Directors and the top three Vanguard employees be disclosed each year. I definitely think this should be included in the poll. It would get my vote. Unfortunately I had to make some fairly arbitrary and uninformed choices to pare the li...
by DrDoodle
Thu Mar 14, 2013 12:28 pm
 
Forum: Investing - Theory, News & General
Topic: [POLL] What would you like Vanguard to change or improve?
Replies: 92
Views: 7010

[POLL] What would you like Vanguard to change or improve?

Like a lot of folks here, there's a few things about Vanguard that annoy me. It occurred to me that perhaps Vanguard recognizes and respects the Boglehead community sufficiently to pay attention if Bogleheads speak in unison about a concern. So, with encouragement from Nisiprius, I've collected nomi...
by DrDoodle
Wed Mar 13, 2013 9:39 pm
 
Forum: Investing - Theory, News & General
Topic: [POLL] What would you like Vanguard to change or improve?
Replies: 92
Views: 7010

Re: Could bogleheads vote on Top 10 "asks" of Vanguard?

So, DrDoodle, would you like to consolidate and boil down the answers to a list of ten, and post them as a poll? If can post the list here first people can make sure the wording is clear and "debug" any potential issues in how the questions are posed. Here's 11 items that each got multipl...
by DrDoodle
Mon Mar 11, 2013 2:39 pm
 
Forum: Investing - Theory, News & General
Topic: Could bogleheads vote on Top 10 "asks" of Vanguard?
Replies: 100
Views: 6700

Re: Could bogleheads vote on Top 10 "asks" of Vanguard?

So, DrDoodle, would you like to consolidate and boil down the answers to a list of ten, and post them as a poll? If can post the list here first people can make sure the wording is clear and "debug" any potential issues in how the questions are posed. I'll give it a shot ... there might a...
by DrDoodle
Sun Mar 10, 2013 8:55 pm
 
Forum: Investing - Theory, News & General
Topic: Could bogleheads vote on Top 10 "asks" of Vanguard?
Replies: 100
Views: 6700

Re: Eligibility to deduct dependent care expenses?

Okay; bad news but at least now I know the deal. :(

Thanks
by DrDoodle
Thu Mar 07, 2013 6:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Eligibility to deduct dependent care expenses?
Replies: 3
Views: 246

Eligibility to deduct dependent care expenses?

For 2012 my employer started to offer a Flexible Spending Account, including the ability to put up to $5,000 into a pre-tax account for dependent care expenses. Great; my family spends a lot on preschool! My wife is not working, but she is looking for work (which we can document), so I understood th...
by DrDoodle
Thu Mar 07, 2013 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Eligibility to deduct dependent care expenses?
Replies: 3
Views: 246

Re: Any Experience Selling a Car on [Craigslist]?

I guess I never really thought there were a whole lot of people just waiting for me to post a craigslist ad so that they can...I don't know, what is it I am supposed to be worried about? Well, there really are a lot of shady doings in the CL world. Least worrisome being people who will try to pay y...
by DrDoodle
Mon Mar 04, 2013 7:46 pm
 
Forum: Personal Consumer Issues
Topic: Any Experience Selling a Car on [Craigslist]?
Replies: 49
Views: 3023

Re: Could bogleheads vote on Top 10 "asks" of Vanguard?

Well, if an Official Boglehead Wish List wouldn't have any special clout, then I guess it's not necessary to do a poll .... but I'd be happy to see what "asks" people might contribute to this thread. For me, my asks would include: 1. More extensive and fine-grained control over the email a...
by DrDoodle
Mon Mar 04, 2013 1:22 pm
 
Forum: Investing - Theory, News & General
Topic: Could bogleheads vote on Top 10 "asks" of Vanguard?
Replies: 100
Views: 6700

Could bogleheads vote on Top 10 "asks" of Vanguard?

Not sure where this question should go, or if it's even appropriate for the forum, but .... What if bogleheads voted to collectively identify their most-desired Vanguard services/features/bugfixes/products .... would Vanguard pay attention if there was a strong consensus on a handful of reasonable i...
by DrDoodle
Mon Mar 04, 2013 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: Could bogleheads vote on Top 10 "asks" of Vanguard?
Replies: 100
Views: 6700

Re: Buying first house in Bay Area, with 1 mo. old child

Hi hey-bay, congrats on your kid and (forthcoming) home purchase. You're obviously putting a lot of thought into it, so chances are you'll make a good choice ... and hopefully you'll be able to avoid worrying too much about making "the perfect" choice, since there really is no such thing i...
by DrDoodle
Sun Jan 06, 2013 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying first house in Bay Area, with 1 mo. old child
Replies: 24
Views: 2590

Re: How to buy a new house without selling existing house?

Thanks everyone; I appreciate all your advice and experiences. I'm definitely taking to heart the warning about what a headache it can be to have a rental property, and the financial risk of having my wealth so heavily concentrated in two highly-leveraged properties. There's a lot of other factors i...
by DrDoodle
Fri Jan 04, 2013 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to buy a new house without selling existing house?
Replies: 22
Views: 2032

Re: How to buy a new house without selling existing house?

But are you sure you're unable to qualify for an $800,000 house (I assume that's your price given what you said) and own two homes for an interim period? Based on everything else you said (particularly your $500k in assets, presumably lower-priced home in lousy district), it seems like you have the...
by DrDoodle
Fri Jan 04, 2013 12:08 am
 
Forum: Personal Finance (Not Investing)
Topic: How to buy a new house without selling existing house?
Replies: 22
Views: 2032

Re: How to buy a new house without selling existing house?

fareastwarriors wrote:How come you don't want to sell your current home?

How old is(are) your kid(s)?

First kid enters K this fall; second one is two years behind.
Just posted a short answer to the other question, just before your post.
by DrDoodle
Thu Jan 03, 2013 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to buy a new house without selling existing house?
Replies: 22
Views: 2032

Re: How to buy a new house without selling existing house?

Yeah, there's a lot to be said for these viewpoints. We may end up there, but first I want to explore what is the best available option for keeping the "old" house. I'm just not sure what is the best available option. Before you decided you wanted to move, were you hankering to acquire a r...
by DrDoodle
Thu Jan 03, 2013 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to buy a new house without selling existing house?
Replies: 22
Views: 2032

How to buy a new house without selling existing house?

Mrs. Doodle and I own a house in a lousy school district and are thinking about moving. Ideally, we'd like to retain ownership of our existing house as a rental property (our research and analysis convinces us that rental income will cover PITI). We're pretty much at the limit of our debt-to-income ...
by DrDoodle
Thu Jan 03, 2013 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to buy a new house without selling existing house?
Replies: 22
Views: 2032

Vanguard changing benchmark indexes -- any concerns?

I just saw a note at vanguard.com that they are changing the benchmark indices for 22 funds, including some of the core boglehead funds (VGTSX, VISVX, VTSMX). It seems in general that they're ditching MSCI in favor of FTSE and CRSP indices. Explanation is lower licensing fees, and a mild implication...
by DrDoodle
Sat Oct 06, 2012 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard changing benchmark indexes -- any concerns?
Replies: 3
Views: 515

Why do some states tax annuity premiums?

I've been thinking my mom might benefit from having portion of her retirement funds in an SPIA, but on doing some initial research I learned that California will levy a 2.35% tax on her (non-qualified) premium. Ouch. I haven't yet decided to what extent this should change our thinking about this, bu...
by DrDoodle
Sun Sep 09, 2012 3:34 pm
 
Forum: Investing - Theory, News & General
Topic: Why do some states tax annuity premiums?
Replies: 11
Views: 1295

Re: Vanguard Asset Management Services vs. Flagship services

Since you do not sound reassured by two people telling you it worked out well for them, maybe you should ask if there are any respondents who were UNhappy with the Vanguard CFP advice and porcess. Well, I've actually already seen quite a few comments by people who felt that the CFP advice that they...
by DrDoodle
Tue Sep 04, 2012 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Asset Management Services vs. Flagship services
Replies: 15
Views: 1814

Re: Vanguard Asset Management Services vs. Flagship services

I have researched this topic quite a bit myself [...snip...] My understanding is that as a Flagship Client, you have access to a CFP when you need. The same one each time if you like. [...snip...] It is my understanding that once you and the CFP agree on actions to take, you can, if you decide, dir...
by DrDoodle
Tue Sep 04, 2012 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Asset Management Services vs. Flagship services
Replies: 15
Views: 1814

Re: Vanguard Asset Management Services vs. Flagship services

BolderBoy, you're referring to the "Flagship adviser" who would be assigned to my mom's account, right? I was thinking more about the "Ask a CFP" service, and how those people (their capability and their services) compare to those that you get with Asset Management Services.
by DrDoodle
Mon Sep 03, 2012 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Asset Management Services vs. Flagship services
Replies: 15
Views: 1814

Vanguard Asset Management Services vs. Flagship services

My 80+ year old mother is contemplating taking her ~$1m retirement portfolio away from a Royal Alliance 1% manager and putting it at Vanguard. I understand that as a $1m Flagship investor, she'd be able to "Ask A CFP(r) professional" for advice and guidance at no cost, including developing...
by DrDoodle
Mon Sep 03, 2012 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Asset Management Services vs. Flagship services
Replies: 15
Views: 1814

Do you adjust stock/bond allocation when rebalancing?

This seems like a really basic question, but I wasn't able to find an answer in the wiki or the forums. My wife (38) and I (46) are doing a full Boglehead reworking of our portfolio , and we're targeting 60% stocks and 40% bonds. I started off thinking that the idea is to increment the bond percenta...
by DrDoodle
Tue Aug 14, 2012 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you adjust stock/bond allocation when rebalancing?
Replies: 5
Views: 455

Re: Fixing portfolio for middle-age couple

Thanks everyone for the fast and thoughful responses! I really appreciate the consistent advice to not swap a "risky feeling" bond investment for an "actually risky" equity investment (or at least to only do so for a really well-thought-out reason, which I don't have). So, one qu...
by DrDoodle
Mon Aug 13, 2012 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixing portfolio for middle-age couple
Replies: 6
Views: 581

Fixing portfolio for middle-age couple

My wife and I are working on rationalizing the savings and investments that we both brought to the marriage, and we’d be grateful to receive advice on our situation and plans, as follows: I’m 46; she’s 38. Primary investment goal is for retirement, probably not less than 15 years from now. 15% feder...
by DrDoodle
Mon Aug 13, 2012 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixing portfolio for middle-age couple
Replies: 6
Views: 581

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