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Re: How long do sofas really last

7 -12 years
by Ruby
Sun Mar 29, 2015 1:55 pm
 
Forum: Personal Consumer Issues
Topic: How long do sofas really last
Replies: 33
Views: 2446

Re: How many of you invest in individual stocks?

( May be I owned some individual stocks many years ago ) Currently I own heavily 1 stock of BRK.B for the comparison purpose in another 10 / 20 years. Also for the nice annual report, mailed to my home. Also I am researching, heavily on TSLA Tesla Motors Inc, for the optimal timing, as my strategy ...
by Ruby
Sun Mar 29, 2015 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: How many of you invest in individual stocks?
Replies: 52
Views: 2721

Re: How many of you invest in individual stocks?

( May be I owned some individual stocks many years ago ) Currently I own heavily 1 stock of BRK.B for the comparison purpose in another 10 / 20 years. Also for the nice annual report, mailed to my home. Also I am researching, heavily on TSLA Tesla Motors Inc, for the optimal timing, as my strategy a...
by Ruby
Sun Mar 29, 2015 10:52 am
 
Forum: Investing - Theory, News & General
Topic: How many of you invest in individual stocks?
Replies: 52
Views: 2721

Re: Smartest Financial Move You Ever Made

Levett wrote:Getting a good education. It's the basis for everything that came after.

Lev


+1
by Ruby
Sat Mar 28, 2015 6:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Smartest Financial Move You Ever Made
Replies: 131
Views: 11440

Re: If you had 1 book to recommend...

The Only Guide to a Winning Investment Strategy You'll Ever Need: The Way Smart Money Invests Today Larry E. Swedroe http://www.amazon.com/s/?ie=UTF8&keywords=larry+swedroe+books&tag=googhydr-20&index=stripbooks&hvadid=26455371157&hvpos=1t1&hvexid=&hvnetw=g&hvrand=134...
by Ruby
Fri Mar 27, 2015 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: If you had 1 [investing] book to recommend...
Replies: 42
Views: 3396

Re: Why 529 plan makes any sense??

KlangFool not sure, where you are going with this discussion.

"different strokes for different folks" :annoyed
by Ruby
Thu Mar 26, 2015 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 8497

Re: Why 529 plan makes any sense??

529, keeps me thinking that is for college expenses, not the retirement fund :happy Ruby, Knock on wood. You may have the luxury of keep a separate pool of money as 529. You may be certain that you will be fully employed all the while and have sufficiently large amount of money else where for the n...
by Ruby
Thu Mar 26, 2015 7:12 am
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 8497

Re: Why 529 plan makes any sense??

4) Then, the children will not work hard to try to get a scholarship. Why bother?? My college are fully funded. KlangFool ... if this is really a valid concern (certainly not a concern for me - my children strive to be their best) you could choose not to disclose you have invested in a 529 plan for...
by Ruby
Wed Mar 25, 2015 2:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 8497

Re: Biotechnology to buy and hold or not

Yeap, we have 25% combined in
Fidelity® Select Biotechnology Portfolio ( FBIOX)
Vanguard Health Care Index Fund Admiral Shares (VHCIX)
by Ruby
Wed Mar 25, 2015 9:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Biotechnology to buy and hold or not
Replies: 15
Views: 1408

Re: Vanguard HealthCare Fund

I have been advocating buying VGHCX for as long as this forum has been around and, before that, in the old Diehards forum. The general consensus of most posters here is that you shouldn't hold it because it's a sector bet. Go figure. Sometimes you can lead the horse to water but they just won't dri...
by Ruby
Wed Mar 25, 2015 7:09 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 61
Views: 5174

Re: College Savings Options for a Niece

Ruby, that had been my logic too. But some of the folks here convinced me that for my household AGI, tax-deferred investing was the better alternative. And for how much we were saving, we could just stop retirement contributions a couple of years before college and pay for college that way. If I ge...
by Ruby
Tue Mar 24, 2015 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: College Savings Options for a Niece
Replies: 6
Views: 606

Re: College Savings Options for a Niece

We have our 529 for our children. For any reason our children do not use them, we can transfer to the other child in the family, including grand kids, when / if that happens. When everything on the note that 529 is not used for educational expenses, we will be happy to withdrawn when needed and pay ...
by Ruby
Tue Mar 24, 2015 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: College Savings Options for a Niece
Replies: 6
Views: 606

Re: Math majors needed in here for loan interest rates thoug

While the above wisdom is really good, I forgot to factor in the capital gains tax. 14% or so for long term if I withdraw funds... which basically makes option 2 an even stronger solution. So while I do want to just enjoy the fruits of my labor, I think selling funds and the losses involved would g...
by Ruby
Sat Mar 21, 2015 3:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Math majors needed in here for loan interest rates thoughts
Replies: 36
Views: 2104

Re: Math majors needed in here for loan interest rates thoug

To me this is not a math problem, this is a lifestyle choice on how to live. To me, sell stock and buy the car, after you have decided that car is a need (want). Equally the same, if you get a low interest car loan. Go for it. If you want to take the car loan and to keep investing the same amount, e...
by Ruby
Sat Mar 21, 2015 3:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Math majors needed in here for loan interest rates thoughts
Replies: 36
Views: 2104

Re: job offer, 2x salary

No brainer, just switch. I mentor new professional to switch jobs, if it provides them 25+% higher pay every 4 / 5 years. Higher pay comes with more responsibilities or more leadership or more though leadership, depending on your profession. Your perceived value in your career will be highly differe...
by Ruby
Wed Mar 18, 2015 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: job offer, 2x salary
Replies: 53
Views: 4829

Re: master bath remodel: return on investment?

We did update the bathroom. Add the utilization of the bathroom, when you own the bathroom. Reduce this amount from your cost of recovery calculation ! Then maybe you get back 50% when you sell, however that is debatable, since the home price is dependent on many factors, also every new owner will ...
by Ruby
Wed Mar 18, 2015 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: master bath remodel: return on investment?
Replies: 42
Views: 2825

Re: master bath remodel: return on investment?

We did update the bathroom. Add the utilization of the bathroom, when you own the bathroom. Reduce this amount from your cost of recovery calculation ! Then maybe you get back 50% when you sell, however that is debatable, since the home price is dependent on many factors, also every new owner will l...
by Ruby
Wed Mar 18, 2015 8:23 am
 
Forum: Personal Finance (Not Investing)
Topic: master bath remodel: return on investment?
Replies: 42
Views: 2825

Re: Laptop Purchase at Costco?

Also check, Costco provides the second year warrant.
by Ruby
Mon Mar 16, 2015 11:32 am
 
Forum: Personal Consumer Issues
Topic: Laptop Purchase at Costco?
Replies: 13
Views: 1733

Re: Bonus received. But its not what was agreed upon. Advi

childish

Grow up and move on, the company did meets it's obligations !
by Ruby
Wed Mar 11, 2015 10:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bonus received. But its not what was agreed upon. Advice?
Replies: 61
Views: 5075

Re: What are some common misconceptions found in this forum?

I liked the following so far ! : :D :D :D "Livesoft knows what he's talking about". "The 1098-T is an accurate representation of tuition paid and scholarships/529 distributions received" Got educated on this a few weeks ago ! Today I know how to use the 1098-T. "No one shoul...
by Ruby
Wed Mar 11, 2015 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 209
Views: 17275

Re: Thinking of getting a Masters in I/O Psychology

jbdriver/Ruby, The data part is what I enjoy most about the field. Thanks for the links Ruby. Would any credentials be helpful in this area or is self study sufficient? I do database work as part of my application development/IT work but it is a small part of the job rather than a primary part of t...
by Ruby
Thu Feb 26, 2015 12:12 pm
 
Forum: Personal Consumer Issues
Topic: Thinking of getting a Masters in I/O Psychology
Replies: 20
Views: 1369

Re: Career advice?

Data sciences was discussed here.

See if that helps

viewtopic.php?f=11&t=159419
by Ruby
Wed Feb 25, 2015 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career advice?
Replies: 11
Views: 1059

Re: Thinking of getting a Masters in I/O Psychology

jbdiver nailed it. I was about to suggest the "data science program", jbdiver stated the same. Data is going to reside in the U.S. any resource who understand the business data will do well. Fine as wine as they age. No new entrant can match the long term employee as Subject Matter Experti...
by Ruby
Wed Feb 25, 2015 2:12 pm
 
Forum: Personal Consumer Issues
Topic: Thinking of getting a Masters in I/O Psychology
Replies: 20
Views: 1369

Re: Thinking of getting a Masters in I/O Psychology

Uhmmmm... If you are a technical software developer and looking for a change in career, in psychology, it tells a lot. However did you considered within the technology some other non technical developer roles such as business analyst, project coordinator, IT manager, etc. End of the day, you have to...
by Ruby
Wed Feb 25, 2015 1:30 pm
 
Forum: Personal Consumer Issues
Topic: Thinking of getting a Masters in I/O Psychology
Replies: 20
Views: 1369

Re: What are Costco's best deals?

Fruit Veggies Gas Beer I should check some of the prices, I think we are paying more than we should in some areas. On the other hand the customer service has always been good, I see the same people working all the time (must have low turn over), from what I hear they pay the employee's a decent wag...
by Ruby
Wed Feb 25, 2015 9:49 am
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 20055

Re: Where to buy nice men's dress shirts?

joe8d wrote:JC Penny. Stratford Dress Shirts.


+ 1
by Ruby
Thu Feb 12, 2015 9:08 am
 
Forum: Personal Consumer Issues
Topic: Where to buy nice men's dress shirts?
Replies: 84
Views: 6373

Re: garbage disposal installation

If you can't replace a garbage disposal yourself*, you shouldn't own a house. *assuming you are able bodied Not necessarily, if you can hire someone, why not ? Basic economics is that, even if the surgeon can type faster than his / her secretary, surgeon should not do the secretary job. He / she sh...
by Ruby
Wed Feb 04, 2015 2:59 pm
 
Forum: Personal Consumer Issues
Topic: garbage disposal installation
Replies: 33
Views: 1311

Re: garbage disposal installation

sksbog wrote:Thanks guys. I sent the guy back and paid his assessment fee $29.
I have another another quote from this company flat rate $120/hr the $30 ever 15 mins.


Yeap, my plumber charges me $30 ever 15 mins. Replaced the garbage disposal, for $45 or so, many years ago.
by Ruby
Wed Feb 04, 2015 11:06 am
 
Forum: Personal Consumer Issues
Topic: garbage disposal installation
Replies: 33
Views: 1311

Re: How to report for Tax, Student computer purchase from 52

Will you eventually spend all of the 529 for future "normal" qualified expenses (i.e., tuition, room and board)? If so, I wouldn't bother testing the IRS by trying to buy a computer this way. Just pay cash. You'd prefer to keep the money in the 529 as long as possible anyway. Yes agreed, ...
by Ruby
Mon Feb 02, 2015 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to report for Tax, Student computer purchase from 529
Replies: 22
Views: 894

Re: How to report for Tax, Student computer purchase from 52

matonplayer wrote:
gasman wrote:Anybody know anyone who has ever been audited on a 529 distribution?


I have. We printed a screenshot of the website at my son's college that showed the tuition payments made and sent it in. That seemed to satisfy the IRS. :)


Great :D
by Ruby
Mon Feb 02, 2015 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to report for Tax, Student computer purchase from 529
Replies: 22
Views: 894

Re: How to report for Tax, Student computer purchase from 52

Thanks nanoanalyzer. Great information. Makes me feel comfortable. At least I learn on 529 withdrawal / tax reporting. Based on the replies from all, I came to the conclusion, that I have to keep my own documents for "Qualified Expenses" Your response, confirmed my thinking earlier. Again,...
by Ruby
Mon Feb 02, 2015 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to report for Tax, Student computer purchase from 529
Replies: 22
Views: 894

Re: How to report for Tax, Student computer purchase from 52

To the OP, there will be a Student Information Worksheet where everything school related will be dealt with. It will appear in TTax after you start the education deductions part. Thanks fundseeker. This helps. Will look for the " Student Information Worksheet " or will read on that. Maybe...
by Ruby
Mon Feb 02, 2015 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: How to report for Tax, Student computer purchase from 529
Replies: 22
Views: 894

Re: How to report for Tax, Student computer purchase from 52

"If the distribution doesn’t exceed the amount of the student's qualifying expenses, then you don't have to report any of the distribution as income on your tax return. If the distribution exceeds these expenses, then you must report the earnings on the excess as "other income" on yo...
by Ruby
Mon Feb 02, 2015 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: How to report for Tax, Student computer purchase from 529
Replies: 22
Views: 894

Re: How to report for Tax, Student computer purchase from 52

"A. A qualified, nontaxable distribution from a 529 plan during 2009 or 2010 now includes the cost of the purchase of any computer technology, related equipment and/or related services such as Internet access. The technology, equipment or services qualify if they are used by the beneficiary of...
by Ruby
Mon Feb 02, 2015 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: How to report for Tax, Student computer purchase from 529
Replies: 22
Views: 894

Re: How to report for Tax, Student computer purchase from 52

There are lots of potential college costs that are "qualified" for tax free 529 reimbursement that will not show up on a form 1098-T. The key for a computer will be whether or not the school "requires" it. If not, then it's not qualified. Thanks Leesbro63. Have made sure the com...
by Ruby
Mon Feb 02, 2015 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: How to report for Tax, Student computer purchase from 529
Replies: 22
Views: 894

Re: How to report for Tax, Student computer purchase from 52

Thanks Livesoft, Toons, Yes the computer is mandatory for the school, as per the admission package letters. yesterday read IRS 970 forms also. Did not start the turbo tax yet. may be that will answer more. Just wondering on which tax form and which line this expense will go in the tax return. Once I...
by Ruby
Mon Feb 02, 2015 8:39 am
 
Forum: Personal Finance (Not Investing)
Topic: How to report for Tax, Student computer purchase from 529
Replies: 22
Views: 894

How to report for Tax, Student computer purchase from 529

My daughter, college program requires computer. Planning to withdraw from 529, plan. However not sure that this withdrawal will be reported in tax ( Turbo Tax), as one of the qualified expenses. I assume that the school's 1099 T will not account this expense, as we are purchasing the computer oursel...
by Ruby
Mon Feb 02, 2015 7:45 am
 
Forum: Personal Finance (Not Investing)
Topic: How to report for Tax, Student computer purchase from 529
Replies: 22
Views: 894

Re: Do you work with Oracle?

You have not been working with oracle, for last 10 years, after the certification, so why do need to maintain the certifications. No need. Why not do something in the area of your work expertise. If you have not done "Toastmaster", join a toastmasters club and work on your communication an...
by Ruby
Mon Feb 02, 2015 6:13 am
 
Forum: Personal Finance (Not Investing)
Topic: [worth it to upgrade Oracle DB certification for non DBA?]
Replies: 4
Views: 599

Re: Birthday gift ideas for a 7 year old chess player

See if the membership to online chess playing site is optimal

http://www.chessclub.com/
by Ruby
Mon Jan 19, 2015 9:39 am
 
Forum: Personal Consumer Issues
Topic: Birthday gift ideas for a 7 year old chess player
Replies: 19
Views: 1544

Re: US/foreign allocation under massive relative US drop

This discussions, of Market weighing comes often, and I was really trying to follow, but hard to follow. Hence in the last 2 / 3 months, after many readings and thoughts and experiences, wrote in my IPS, as follows. 1. Investment like anything else in life is some part science and some part art. 2. ...
by Ruby
Sun Jan 18, 2015 5:20 am
 
Forum: Investing - Theory, News & General
Topic: US/foreign allocation under massive relative US drop
Replies: 21
Views: 1469

Re: Is this normal for a new account?

Same issue, we are facing. Tried to open an new account. The online application was struck in the middle of the process. Called customer service, she cannot figure out what was going on. In the end, said to submit the paper application. Mailed the paper application, no information for about two week...
by Ruby
Thu Jan 15, 2015 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: Is this normal for a new account?
Replies: 9
Views: 1975

Re: Accepting counter-offer to stay at job

rgardne70 wrote:My feeling is that once you have accepted the new position and given your notice, you honor your commitment if you are a person of integrity.

Any negotiation and talking with your current employer should have occurred before you accepted the new position.


+1
by Ruby
Mon Jan 05, 2015 6:45 pm
 
Forum: Personal Consumer Issues
Topic: Accepting counter-offer to stay at job
Replies: 72
Views: 6769

Re: The riskiest (Bogleheads) portfolio you can think of

50 % Total Stock Market Index
50 % Extended Market Index
by Ruby
Sun Jan 04, 2015 8:40 am
 
Forum: Investing - Help with Personal Investments
Topic: The riskiest (Bogleheads) portfolio you can think of
Replies: 15
Views: 1676

Re: New $1 additional investment minimum at Vanguard

Great to teach college kids to save say $20 per week :D
by Ruby
Fri Jan 02, 2015 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: New $1 additional investment minimum at Vanguard
Replies: 11
Views: 2558

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2265.68
by Ruby
Thu Jan 01, 2015 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 20396

Sector Investing - Need Clarification

Mostly our portfolio is a 3 / 4 Index fund portfolio. Lately an urge, pops up, why not invest 5 % or 10% in sector funds. Not able to make a decision one way or another. Still reading... on the topic My thought goes like this... Invest 5 % or 10% of the current portfolio in 2 /3 sector funds. Then i...
by Ruby
Sun Dec 28, 2014 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sector Investing - Need Clarification
Replies: 2
Views: 336
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