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by HueyLD
Fri May 22, 2015 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: city selling 'mini-bonds' at attractive rates
Replies: 24
Views: 1610

Re: city selling 'mini-bonds' at attractive rates

For bonds that only pay interest at maturity, the IRS usually requires you to report the accrued interest every year as income even though interest is not yet paid. It is similar to inflation adjustment reporting on TIPS. However, muni income is federal tax exempt and thus no phantom income problems...
by HueyLD
Fri May 22, 2015 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: city selling 'mini-bonds' at attractive rates
Replies: 24
Views: 1610

Re: city selling 'mini-bonds' at attractive rates

If I could buy such bonds, I would only buy a reasonable amount because: (1) No liquidity or secondary market. (2) Even though those bonds are not technically zero coupon bonds, they have the characteristics of zero coupon bonds in that investors receive no interest payments until maturity. A few ca...
by HueyLD
Tue May 19, 2015 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Question for muni investors
Replies: 6
Views: 627

Re: Question for muni investors

Also, I see a lot of love lately for CDs. Those look pretty poor for 39.6%/10.3% tax equivalent yields in munis, though I realize these are different investments. What's driving the CD fans? In general, munis are better for those at marginal tax rates of over 25%. Taxable bonds, including CDs, are ...
by HueyLD
Sat May 16, 2015 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 161
Views: 9648

Re: How much does social security factor into your retirement income?

I should clarify my very brief remark of "none." I did not consider any SS benefit in my future retirement income bucket because I had no idea how many years I would work or the strength of the PAYGO system when I eventually become eligible for SS benefit. As a result, I saved and invested...
by HueyLD
Fri May 15, 2015 5:25 pm
Forum: Personal Consumer Issues
Topic: A/C Service Deals
Replies: 11
Views: 816

Re: A/C Service Deals

It depends on where you live.

If your area requires you to run A/C 24x7 for the summer months, annual maintenance is a good idea. However, if you only need A/C a few hours in the summer, no. As a compromise, you may want to have it maintained every other year.
by HueyLD
Fri May 15, 2015 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: anyone else getting multiple revised tax forms from vanguard?
Replies: 19
Views: 799

Re: anyone else getting multiple revised tax forms from vanguard?

zadie wrote:I've received 8 or 9 sets of revised tax forms from vanguard. Just got another one today. Anyone else having this issue?

What types of exotic investments do you hold in your VBS account?
by HueyLD
Fri May 15, 2015 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from IRS (I think they are wrong)
Replies: 21
Views: 2703

Re: Letter from IRS (I think they are wrong)

Crow's posts show that he knows the rules. It appears that IRS liked him so much that they decided to give him some bonus. :) Now, I am curious to know if Crow filed his tax return by mail or by efiling. If he mailed in his return, the tax data had to be keyed into the IRS software and that could be...
by HueyLD
Sat May 09, 2015 3:38 pm
Forum: Forum Issues and Administration
Topic: Am I the only one not getting notifications?
Replies: 11
Views: 1088

Re: Am I the only one not getting notifications?

retiredjg wrote:Haven't gotten any notifications since about 4 a.m. Anybody else having a problem or is it just me?

What notification??
by HueyLD
Sat May 09, 2015 1:32 pm
Forum: Personal Consumer Issues
Topic: Somebody hit our parked car today!!
Replies: 21
Views: 3494

Re: Somebody hit our parked car today!!

Yes, you should contact your own insurance company. Since bumper repairs are expensive and may take a while due to the need to order specific parts, you will likely file a claim with your own insurance company first. Provide your insurance company with all required documentation (police report, phot...
by HueyLD
Sat May 02, 2015 9:13 pm
Forum: Forum Issues and Administration
Topic: Forum is now back ONLINE!
Replies: 45
Views: 1513

Re: Forum Functionality From the Index Page

Click on the Quick links and you will find what you are looking for.
by HueyLD
Sat May 02, 2015 8:48 pm
Forum: Forum Issues and Administration
Topic: Forum is now back ONLINE!
Replies: 45
Views: 1513

Re: Lost ability to change font size

Use your fingers to expand the font size?
by HueyLD
Thu Apr 23, 2015 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 7513

Re: Marriage and splitting expenses

+1 to Levett's comment.
by HueyLD
Sun Apr 19, 2015 9:09 am
Forum: Personal Consumer Issues
Topic: mandatory 17% tip at a buffet
Replies: 32
Views: 3608

Re: mandatory 17% tip at a buffet

Pizzasteve510 wrote:I loved my years in Japan where they pay servers wages and do not TIP. Service was always excellent.

+1.
by HueyLD
Sat Apr 18, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: mandatory 17% tip at a buffet
Replies: 32
Views: 3608

Re: mandatory 17% tip at a buffet

LV businesses practice revenue enhancement schemes better than the vast majority of businesses elsewhere. Another extremely annoying practice is to add $30 or more of resort fee per day to the hotel bill. I guess it is time for BHs to camp out on the LV Strip and eat only at McDonalds. They take adv...
by HueyLD
Wed Apr 15, 2015 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Is state tax refund taxable in this case?
Replies: 4
Views: 597

Re: Is state tax refund taxable in this case?

To the OP, Take a look at the IRS instructions for your situation. http://www.irs.gov/publications/p525/ar02.html#en_US_2014_publink1000229391 Example. You paid 2013 estimated state income tax of $4,000 in four equal payments. You made your fourth payment in January 2014. You had no state income tax...
by HueyLD
Tue Apr 14, 2015 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Why would anyone use Ally's 11-month CD?
Replies: 5
Views: 1137

Re: Why would anyone use Ally's 11-month CD?

Because 0.99% is not guaranteed at all, but 0.87% is for the duration of the CD.
by HueyLD
Tue Apr 14, 2015 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Preparer Guarantees
Replies: 11
Views: 1161

Re: Tax Preparer Guarantees

What is POMG?
by HueyLD
Mon Apr 13, 2015 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 12832

Re: Household Gross Income Poll

Levett wrote:Ron,

I'm gonna double your thumbs up for dodecahedron.

Two thumbs up for her wisdom plus two thumbs up for her humanity.

:thumbsup :thumbsup + :thumbsup :thumbsup

Lev

+1 for dodecahedron. I would like to thank her for taking the time to write such a wonderful and common sense post.
by HueyLD
Sun Apr 12, 2015 11:37 am
Forum: Personal Consumer Issues
Topic: Unsolicited offers to buy your house
Replies: 14
Views: 2076

Re: Unsolicited offers to buy your house

Is the offer from "We buy ugly houses" group? They are looking for desperate people who are willing to sell the house at 50% of the market value. That's what they call "fair value." As a test, you can estimate the MV from Zillow and counter offer at 200% of the Zillow value. I gu...
by HueyLD
Sun Apr 12, 2015 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Incorrect W2 and electronic tax filing
Replies: 5
Views: 494

Re: Incorrect W2 and electronic tax filing

TheGreyingDuke wrote:If I were to file on paper I would include and explanatory note with the return. Is there anyway to address this if I were to file electronically??

AFAIK, a tax software should allow you to attach an explanatory note to the e-filed return.
by HueyLD
Sun Apr 12, 2015 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 12832

Re: Household Gross Income Poll

A poll like this one really makes me feel poor.
by HueyLD
Fri Feb 06, 2015 3:14 pm
Forum: Personal Consumer Issues
Topic: Cable Modem
Replies: 19
Views: 1691

Re: Cable Modem

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by HueyLD
Fri Feb 06, 2015 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Fraud? [TurboTax Turns Off All State E-Filing]
Replies: 67
Views: 3590

Re: Minnesota not accepting any Turbo Tax 2014 returns

The states and the IRS don't have any budget for this type of time consuming and money intensive fraud detection and prosecuting activities. The state prisons are overcrowded and some states have cut back on major education funding in order to build more private prisons. Will the taxpayers be willin...
by HueyLD
Tue Feb 03, 2015 5:46 pm
Forum: Personal Consumer Issues
Topic: Comcast Wi-Fi Issues
Replies: 16
Views: 1064

Re: Comcast Wi-Fi Issues

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by HueyLD
Tue Feb 03, 2015 4:03 pm
Forum: Personal Consumer Issues
Topic: Comcast Wi-Fi Issues
Replies: 16
Views: 1064

Re: Comcast Wi-Fi Issues

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by HueyLD
Tue Feb 03, 2015 2:01 pm
Forum: Personal Consumer Issues
Topic: Comcast Wi-Fi Issues
Replies: 16
Views: 1064

Re: Comcast Wi-Fi Issues

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by HueyLD
Tue Feb 03, 2015 1:29 pm
Forum: Personal Consumer Issues
Topic: Comcast Wi-Fi Issues
Replies: 16
Views: 1064

Comcast Wi-Fi Issues

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by HueyLD
Tue Feb 03, 2015 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Frequent trading policy
Replies: 55
Views: 3797

Re: Vanguard Frequent trading policy

Vanguard is not the only company with frequent trading policies. Such policies are common and are put in place to protect those who do not jump in and out frequently. Frequent trading increases the cost for everyone, especially the buy and hold investors.
by HueyLD
Tue Feb 03, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: Costco Vacation Packages
Replies: 30
Views: 5082

Re: Costco Vacation Packages

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by HueyLD
Mon Feb 02, 2015 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Who's right Vanguard or Taxact?
Replies: 15
Views: 2086

Re: Who's right Vanguard or Taxact?

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by HueyLD
Mon Feb 02, 2015 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Who's right Vanguard or Taxact?
Replies: 15
Views: 2086

Re: Who's right Vanguard or Taxact?

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by HueyLD
Sun Feb 01, 2015 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Who's right Vanguard or Taxact?
Replies: 15
Views: 2086

Re: Who's right Vanguard or Taxact?

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by HueyLD
Sun Feb 01, 2015 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Who's right Vanguard or Taxact?
Replies: 15
Views: 2086

Re: Who's right Vanguard or Taxact?

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