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Re: using the 15% tax bracket

Although I've brought up a variation of your Roth conversion strategy on this forum before, no one ever seems to get excited as I do. Take a look at the Callan Periodic Table and you can see that by splitting further and by filing an filing extension, you can easily get 40%+ on one of the converted...
by RustyShackleford
Sat Aug 23, 2014 1:20 am
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 10
Views: 793

Re: using the 15% tax bracket

Don't overlook Peter's point about the stepped up basis. Your heirs can inherit the appreciated stock and pay no tax on all that gain. It might be better to use that 10 and 15% space for Roth conversion. Thanks for reminding me, because I DID miss his point at first. If I understand the idea, if I ...
by RustyShackleford
Sat Aug 23, 2014 1:04 am
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 10
Views: 793

Re: using the 15% tax bracket

... what's going to happen to LTCG ... we're not supposed to speculate. Oh, for heavens' sake ... (As long as we don't bring in politics) But one thing you didn't mention is harvesting your LTCG with zero taxes when the markets are up gives you a higher basis which potentially could be advantageous...
by RustyShackleford
Fri Aug 22, 2014 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 10
Views: 793

using the 15% tax bracket

For a person like me - retired or semi-retired, and comfortable but not wealthy - the 15% federal tax bracket (and the 10%) is very valuable; that's because it's a low rate (duh), and even lower (i.e. 0%) for long-term capital gains and qualified dividend income (QDI). So it's important to me, in my...
by RustyShackleford
Fri Aug 22, 2014 6:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 10
Views: 793

Re: Inflation-indexed SPIAs: A Good Deal?

Is there a site that will give quotes online for these (inflation-indexed SPIA) ? Vanguard used to have one for AIG. They actually removed the inflation-cap during the time I was pondering whether to get one. (BTW, mine started in 2007 at age54 with an initial return of about 4.4% of my principal; s...
by RustyShackleford
Fri Aug 22, 2014 2:09 pm
 
Forum: Investing - Theory, News & General
Topic: Inflation-indexed SPIAs: A Good Deal?
Replies: 18
Views: 1858

Re: CPI table

May I ask a question to the OP though? Why do you care about monthly updates? Why not wait for the end of the year update? Not sure if you refer to an EOY update of the monthly figures, or just an EOY figure. Either way, it's because various coupon payments are based on monthly figures and because ...
by RustyShackleford
Sat Aug 16, 2014 2:19 am
 
Forum: Personal Finance (Not Investing)
Topic: CPI table
Replies: 25
Views: 1320

Re: Vanguard: "Social Security: How to decide when it's time

Leif wrote:
RustyShackleford wrote:That's just amazing. I wonder how many people know about this ? So all one has to do is file&suspend at 66yo (assuming that's your FRA).

I hope it does not get too much press and disappears on us like something else I can think of.

Oh, you're such a tease. What else can you think of ?
by RustyShackleford
Sat Aug 16, 2014 2:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard:"Social Security: How to decide when it's time."
Replies: 79
Views: 5401

Re: Vanguard: "Social Security: How to decide when it's time

Sorry to be dim, but what is a scenerio where it'd be helpful ? Let's say I "file and suspend" at FRA (66yo for me). If, sometime between then and age 70, I decide I'd like to start receiving benefits, I can imagine two things. A, I start getting benefits at that time, at the same level a...
by RustyShackleford
Fri Aug 15, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard:"Social Security: How to decide when it's time."
Replies: 79
Views: 5401

Re: CPI table

Oicuryy wrote:
RustyShackleford wrote:I was really hoping for a single link that I could bookmark.

Try this one.
http://research.stlouisfed.org/fred2/data/CPIAUCNS.txt

Ron

Thanks.
by RustyShackleford
Thu Aug 14, 2014 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPI table
Replies: 25
Views: 1320

Re: CPI table

Wow, ok, thanks for explaining all that. Series code CUUR0000SA0 is clearly the one I want: it gives the numbers used for computing TIPS inflation-factors, for inflation adjustments for my AIG SPIA, and for coupon payments for my Sallie-Mae bonds (ticker ISM and OSM). Still though, looks like I have...
by RustyShackleford
Thu Aug 14, 2014 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPI table
Replies: 25
Views: 1320

Re: Vanguard: "Social Security: How to decide when it's time

File and suspend can be helpful for unmarried people as well. ... it allows you to "change your mind" back to the date of suspension. The key point to note is that the effective date of reinstatement can be in the past, as long as it was during the suspension period. Sorry to be dim, but ...
by RustyShackleford
Wed Aug 13, 2014 12:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard:"Social Security: How to decide when it's time."
Replies: 79
Views: 5401

Re: CPI table

I still don't get why you need an update for 1913 every month. The numbers really shouldn't be changing. Have the 1913 numbers changed once since the 1982-84 resetting? You're entirely correct, of course, as I update my spreadsheet several times per year. But I don't update it every month, so it wa...
by RustyShackleford
Wed Aug 13, 2014 12:02 am
 
Forum: Personal Finance (Not Investing)
Topic: CPI table
Replies: 25
Views: 1320

Re: CPI table

Or you could refer to a table I update each month with the same figures [ * ] going back to 1961. Bingo, we have a winner. This is because the BLS shows corrected figures; but I show the the uncorrected figures that were used in computing inflation adjustments for TIPS and I Bonds. (See this BLS we...
by RustyShackleford
Tue Aug 12, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPI table
Replies: 25
Views: 1320

Re: CPI table

I went to tables. I clicked on CPI Detailed Report (tables 1-29) June 2014 (PDF). I scrolled to Table 24. The first page shows every month from 1913 to 1969. The next page shows the annual numbers for the same years. The next page shows every month from 1970 to June 2014. The next page shows annual...
by RustyShackleford
Tue Aug 12, 2014 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPI table
Replies: 25
Views: 1320

Re: CPI table

Table Containing History of CPI-U U.S. All Items Indexes and Annual Percent Changes From 1913 to Present is now available in the CPI Detailed Report as Table 24 You have to ignore all the other tables. Since you are updating your own table, do your really need the data from 1913? Wouldn't the curre...
by RustyShackleford
Tue Aug 12, 2014 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPI table
Replies: 25
Views: 1320

Re: CPI table

sscritic wrote:
nisiprius wrote:Is this what you want?

http://www.bls.gov/cpi/cpifiles/cpiai.txt

Probably, except it stopped in January (it is dated 02-20-2014 after the January numbers were released).

Exactly, hence my problem.
by RustyShackleford
Tue Aug 12, 2014 7:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPI table
Replies: 25
Views: 1320

CPI table

Until sometime this year, there was a nice table at the Bureau of Labor Statistics website (http://www.bls.gov) that gave the CPI-U for every month of every year. Each month the table was updated. I found it extremely helpful for a spreadsheet I maintain that computes the proper coupon payments for ...
by RustyShackleford
Tue Aug 12, 2014 7:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: CPI table
Replies: 25
Views: 1320

Re: Vanguard: "Social Security: How to decide when it's time

So "file and suspend" is beneficial just for married couples, right ? It's not a free pass for me to wait until 70yo** to start collecting, but then change my mind if serious longevity issues appear between FRA and 70yo. ** I'm assuming FRA = 66, because if I were that much older I'd alrea...
by RustyShackleford
Tue Aug 12, 2014 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard:"Social Security: How to decide when it's time."
Replies: 79
Views: 5401

Re: Recommendation for a 2 man tent

REI Quarter Dome is a pretty good and low-cost one. If you want to spend a bit more to save some weight, look at some of the more "boutique" brands like Big Sky, Six Moon Designs, etc. Questions to ask yourself: do you want free-standing (as opposed to one that requires staking/tying to er...
by RustyShackleford
Wed Aug 06, 2014 3:26 pm
 
Forum: Personal Consumer Issues
Topic: Recommendation for a 2 man tent
Replies: 23
Views: 1105

Good Morning Snore Solution

Wondering if anyone has any thoughts or experience with this anti-snoring device: http://goodmorningsnoresolution.com/ Like many, I snore when I'm sleeping on my back. I have mostly trained myself to sleep on my side, where it's rarely a problem. But invariably I will at times roll onto my back and ...
by RustyShackleford
Sat Aug 02, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: Good Morning Snore Solution
Replies: 2
Views: 444

Re: TV show recommendations?

I'm pretty fascinated by the first 3 episodes of "The Leftovers" (HBO's newest drama), particularly the 3rd. I don't quite buy the comparisons to "Lost"; there are superficial similarities in the premise, I suppose, but we watched the first episode of each the other night and dec...
by RustyShackleford
Wed Jul 16, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 120244

Re: what is "at-cost investing" ?

Ok, thanks.

As I suspected, it's simply a marketing-gimmick way of saying "low expense ratio".
by RustyShackleford
Tue Jul 15, 2014 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: what is "at-cost investing" ?
Replies: 8
Views: 1374

what is "at-cost investing" ?

I keep getting emails from Vanguard about "at-cost investing". What the heck is it ? The emails reference a "live video webcast" but I was hoping to not have to tune in just to get a definition. Anyone that can help, thanks.
by RustyShackleford
Tue Jul 15, 2014 1:42 pm
 
Forum: Investing - Theory, News & General
Topic: what is "at-cost investing" ?
Replies: 8
Views: 1374

Re: Small cap valuations "appear to be stretched"

I guess I don't quite understand the notion that small cap valuations are stretched. If I chart VB versus VTI for the last year:

http://finance.yahoo.com/q/bc?t=1y&s=VB ... I%2C+&ql=1

... the small-cap doesn't look out of line.
by RustyShackleford
Tue Jul 15, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Small cap valuations "appear to be stretched"
Replies: 11
Views: 1403

Re: TV show recommendations?

Interesting round-table discussion with creators of "Mad Men", "Breaking Bad", and "Deadwood":

http://www.gq.com/entertainment/movies- ... avid-milch
by RustyShackleford
Mon Jul 14, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 120244

Re: A look at those hot high dividend yield funds,

freddie wrote:You could buy a bunch of growth funds (see vanguard explorer) which pay tiny dividends (less than .1% last I looked) but the gain in taxes probably isn't worth the loss of diversification.

Or simply choose not to add a "value tilt" to your equity portfolio ?
by RustyShackleford
Thu Jul 10, 2014 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: A look at those hot high dividend yield funds,
Replies: 9
Views: 2038

Re: Is it ever ok to tell your boss you have another offer?

denovo wrote:... I've seen employers do it too.

Like I was sayin' ...
by RustyShackleford
Tue Jul 08, 2014 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it ever ok to tell your boss you have another offer?
Replies: 30
Views: 2833

Re: Is it ever ok to tell your boss you have another offer?

A good friend of mine was dissatisfied with her job and interviewed elsewhere, where she got and accepted an offer. When she told her current employer, they fell all over themselves to get her to stay. Made lots of concessions. She decided to renege on the other job and stay where she was. One might...
by RustyShackleford
Tue Jul 08, 2014 2:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it ever ok to tell your boss you have another offer?
Replies: 30
Views: 2833

Re: TV show recommendations?

For me nothing beats Deadwood and Al Swearingen. Ian McShane was chosen for this role ... I've read Milch quoted as saying he wanted the part to go to Ed O'Neill ("Married with Children") but HBO vetoed. Milch later used him in "John from Cincinnatti", where he was great, as he ...
by RustyShackleford
Sat Jul 05, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 120244

Re: TV show recommendations?

Highly recommend Band of Brothers. Seen it several times. I served in the 101st (not during WWII), and it brought a tear to my eye more than a few times. Great characters. I was on an commercial air flight in 2004 or so. It was pretty bumpy, slightly nervousness-inducing even for a normally fealess...
by RustyShackleford
Fri Jul 04, 2014 3:06 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 120244

Re: TV show recommendations?

JonnyDVM wrote:More than halfway through the second season of "orange is the new black" on Netflix- gotta say I'm kinda disappointed.

Yep, we pretty much quit the 2nd season after a few episodes.
by RustyShackleford
Wed Jul 02, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 120244

Re: TV show recommendations?

I have friends that agree that Deadwood is the best (and I can't blame them). I admit that Deadwood's Swearingen is one of the best written and acted characters in TV history. Yes. It's an interesting coincidence that the other amazing character that David Milch created, Andy Sipowicz on "NYPD...
by RustyShackleford
Wed Jul 02, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 120244

Re: beneficiary form trumps will

Seems like the simplest thing to do is not designate ANY beneficiaries. Then, wouldn't all the accounts pay into my estate, and then be bequeathed as designated by my will ?
by RustyShackleford
Tue Jul 01, 2014 2:06 am
 
Forum: Personal Finance (Not Investing)
Topic: beneficiary form trumps will
Replies: 54
Views: 4154

Re: TV show recommendations?

Game of Thrones Damn, I thought The Wire was tough, but the number of characters (and their allegiances and people) in GoT is utterly bewildering. Homeland The first season was just about the most edge-of-your-seat exciting thing I've ever seen, TV or movies. The 2nd season pretty good. I've been t...
by RustyShackleford
Wed Jun 11, 2014 5:27 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 120244

Re: TV show recommendations?

House Blend wrote:It wasn't until maybe the 3rd season that I realized that The Wire is much easier to follow with English subtitles turned on.

True dat.
by RustyShackleford
Mon Jun 09, 2014 11:50 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 120244

Re: TV show recommendations?

Just started The Wire (from Netflix).Thanks to those who recommended it Wow, I was not hooked until I got into the 2nd season. In the first season, I could barely comprehend what was going on, mainly due to the difficulty of understanding both the words of the dialog and their meaning (lots and lot...
by RustyShackleford
Mon Jun 09, 2014 2:42 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 120244

Re: Amazon prime - how to get the best out of it?

... they've almost completely stopped using UPS. Now it's USPS and some other cheap services like Lasership. They almost never deliver within 2 business days, and they sometimes deliver to the wrong mailbox. There are also many times when my package doesn't show up and I have to go track it down at...
by RustyShackleford
Mon Jun 02, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 5194

Re: TV show recommendations?

In my opinion, Deadwood and The Wire are in a class by themselves. (Many would put The Sopranos with them, but I don't, acknowledging that it could simply be fatigue from glorification of Italian-American psychopaths, and also acknowledging that it broke new ground by demonstrating that cable allowe...
by RustyShackleford
Mon Jun 02, 2014 6:59 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 120244

Re: Retirement account beneficiary; family trust?

A little off-topic, but ... It's my understanding that beneficiaries over-ride anything in a will. So if you want your various investment accounts to go to your estate (and thus be included in the assets that you bequeath in your will), you don't want to have any beneficiaries. So I just deleted all...
by RustyShackleford
Sun Apr 13, 2014 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement account beneficiary; family trust?
Replies: 13
Views: 1418

Re: Online Wills

I'm wondering what the best way is to deal with the following situation. I want to leave my house and at least half of the remainder of my estate to my live-in long-term girlfriend (common-law wife ?). And I'm also going to leave a substantial chunk to my godchild (a child, with trusted friend as tr...
by RustyShackleford
Fri Apr 04, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online Wills
Replies: 27
Views: 2628

Re: Property Taxes - Doubling Up

livesoft wrote:We are not retired. We make a lot of money. We don't pay state income taxes. And we don't have a mortgage.

So with neither state taxes nor mortgage interest automatically putting us into Itemized Land ...

I misspoke, sorry. Forgot that there are actually states with no income tax.
by RustyShackleford
Wed Mar 26, 2014 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Property Taxes - Doubling Up
Replies: 20
Views: 1404

Re: Property Taxes - Doubling Up

Yes, "deduction bunching" - I am an expert :-) Of course, this only really works for people who are retired, or who don't make much money (because they are semi-retired or just not in high-paying jobs), because otherwise state taxes will push them past the standard deduction anyhow. My cou...
by RustyShackleford
Wed Mar 26, 2014 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Property Taxes - Doubling Up
Replies: 20
Views: 1404

Re: What Book Are You Currently Reading? Part V

"In Cold Blood". Got interested after Phillip Seymour Hoffman died and I re-watched his Oscar-winningf performance in "Capote". So then I re-watched "In Cold Blood" (hadn't seen it since it came out when I was a youth). And then decided to read the book (for the first t...
by RustyShackleford
Sun Mar 16, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3204
Views: 1087129

Re: Online Wills

If you aren't going to use a lawyer, I would second willmaker as the best (and a viable) alternative. With my Mac, I cannot use the CD or downloaded version (What's up with that ?!?) But they do have an online version; any opinions on that ? My situation is relatively simple, I think, as I am un-ma...
by RustyShackleford
Sun Mar 16, 2014 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online Wills
Replies: 27
Views: 2628

Re: How Frequently Should A CO Detector Be Replaced?

I test annually with a stick of incense. If it registers, I'm happy.
by RustyShackleford
Tue Mar 04, 2014 2:10 am
 
Forum: Personal Consumer Issues
Topic: How Frequently Should A CO Detector Be Replaced?
Replies: 14
Views: 732

Re: Estimated Tax Payments

Generally, most taxpayers will avoid this penalty if they owe less than $1,000 in tax after subtracting their withholdings and credits, or if they paid at least 90% of the tax for the current year, or 100% of the tax shown on the return for the prior year, whichever is smaller. Yes. And note the $1...
by RustyShackleford
Mon Feb 24, 2014 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax Payments
Replies: 33
Views: 1730

Re: Estimated Tax Payments

As I suggested previously, if you want to know how Form 2210 works, you should actually read Form 2210. Sorry - thanks for checking me. Yes, the OP needs to read 2210. My point is there's nothing that says you HAVE to make est'd-tax payments. If you're gonna owe underpyament penalty/interest withou...
by RustyShackleford
Mon Feb 24, 2014 1:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax Payments
Replies: 33
Views: 1730

Re: Estimated Tax Payments

It's completely up to you whether or not to make estimated-tax payments. You simply have to face the music come tax time. [EDIT: THE FOLLOWING IS INCORRECT, SEE SSCRITIC'S POST BELOW] Simply put, if you owe more than $1000, and you don't meet the safe harbor (usually, this year's withholding equals ...
by RustyShackleford
Sun Feb 23, 2014 2:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax Payments
Replies: 33
Views: 1730

Re: Backdoor Roth is complicated for taxes

I think a backdoor roth is complicated to fill out during tax time and i'm not sure if it is worth the effort. First I get the 1099-R form from Vanguard. Getting a 1099-R somehow makes me feel old like I'm 60 years old. I'm only in my 30s. Take heart, young pup. All this tax stuff seems complicated...
by RustyShackleford
Sun Feb 23, 2014 2:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth is complicated for taxes
Replies: 18
Views: 2128

Re: What is the usual time to do your taxes?

Being semi-retired, I always file for an extension. I compute my taxes assuming I'm going to have a net Roth conversion of such amount that my taxable income exactly fills the 15% federal marginal tax bracket. So I know exactly what my tax will be and I pay it with my extension. Then in the autumn I...
by RustyShackleford
Thu Feb 13, 2014 1:47 am
 
Forum: Personal Finance (Not Investing)
Topic: What is the usual time to do your taxes?
Replies: 29
Views: 2013
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