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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: 119718

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: 1338

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: 1338

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: 1377

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: 119718

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: 2024

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: 2791

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: 2791

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: 119718

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: 119718

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: 119718

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: 119718

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: 4075

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: 119718

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: 119718

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: 119718

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: 5099

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: 119718

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: 1407

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: 2599

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: 1382

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: 1382

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: 3098
Views: 995013

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: 2599

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: 724

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: 1707

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: 1707

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: 1707

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: 2035

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: 1991

Re: Roth Conversion "Horse Race"

If one is both eligible for contributing deductible traditional Ira and Roth IRA,and planned to contribute to Roth. The best stratege is contribute to t-Ira instead, and apply the "house race" stratege for conversion? Not sure if this garbled post (apologies if you're not a native English...
by RustyShackleford
Tue Feb 04, 2014 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: Roth Conversion "Horse Race"
Replies: 41
Views: 4216

Re: Putnam PPT fund

Thanks for the search suggestions. But back to the fundamental question ...
by RustyShackleford
Fri Jan 31, 2014 1:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Putnam PPT fund
Replies: 3
Views: 205

Re: Roth Conversion "Horse Race"

Is it a requirement of the roth conversion to convert into an empty roth account or is this being done to make the recharacterization cleaner/easier? Not a requirement at all. But definitely a good idea, much more important than just making the recharacterization cleaner/easier - in fact, the whole...
by RustyShackleford
Fri Jan 31, 2014 1:31 am
 
Forum: Investing - Theory, News & General
Topic: Roth Conversion "Horse Race"
Replies: 41
Views: 4216

Putnam PPT fund

I've tried seacrhing for this, but it's impossible, because of the overwhelmng preponderance of hits for PowerPoint stuff, or "plunge protection team" ... This is a closed-end bond fund, trading at about a 10% discount to NAV and yielding 6% or so. Supposedly it "uses its derivative p...
by RustyShackleford
Thu Jan 30, 2014 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Putnam PPT fund
Replies: 3
Views: 205

Re: Most Efficient Way to Heat a Home

A lot of discussion of comparable prices of various energy. Here's one that shocked me: a gallon of propane contains about as much energy as 27 kilowatt-hours of electricity. Paying 5 cents per kwh (based on a peak billing plan where I pay 30 cents per kwh during the peak times), the break-even poin...
by RustyShackleford
Thu Jan 30, 2014 2:37 pm
 
Forum: Personal Consumer Issues
Topic: Most Efficient Way to Heat a Home
Replies: 86
Views: 5428

Re: Roth Conversion "Horse Race"

Also, Rusty's swing for the fences selection of conversion investments ... I don't quite know what you mean. I generally do one conversion in fixed-income and the other in equities - stuff I'd be investing in even if there were no such thing as a Roth IRA. This might be a good time to point out the...
by RustyShackleford
Thu Jan 30, 2014 2:47 am
 
Forum: Investing - Theory, News & General
Topic: Roth Conversion "Horse Race"
Replies: 41
Views: 4216

Re: Roth Conversion "Horse Race"

So, you could have almost two years in which to recharacterize the Roth conversion. Convert in January and recharacterize by Oct 15 of the following year. Exacto-mundo ! But make sure you send in that recharacterization request early enough - with Schwab, I try to do it by Oct 1 - since they tend t...
by RustyShackleford
Wed Jan 29, 2014 2:44 pm
 
Forum: Investing - Theory, News & General
Topic: Roth Conversion "Horse Race"
Replies: 41
Views: 4216

Re: Most Efficient Way to Heat a Home

Consider installing a high efficiency mini-split heatpump ( Fujitsu / Mitsubishi ). These work surprisingly well ... Just installed one in an addition and it works great. Efficiency is roughly double that of my 15 year-old heat pump (not counting the duct losses that are eliminated). Wood is great ...
by RustyShackleford
Wed Jan 29, 2014 2:45 am
 
Forum: Personal Consumer Issues
Topic: Most Efficient Way to Heat a Home
Replies: 86
Views: 5428

Re: Roth Conversion "Horse Race"

The question remains, has anyone who follows the forum actually tried setting up multiple Roth accounts and creating multiple portfolios only to recharacterize one or more of them later? Yes, I've been doing it since 2010. The stated "horse race" approach (the actual link is http://www.ma...
by RustyShackleford
Wed Jan 29, 2014 2:22 am
 
Forum: Investing - Theory, News & General
Topic: Roth Conversion "Horse Race"
Replies: 41
Views: 4216

Re: Favorite National Parks

letsgobobby wrote:Grand Canyon ... if you get off the rim and off Bright Angel and the South Kaibab trails you might not meet another hiker for hours at a time...

Or ... days at a time.
by RustyShackleford
Mon Jan 27, 2014 3:50 am
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 74
Views: 3244

Re: how to de-rate social security

Obviously there's no "right answer". I thought this was maybe a good "wisdom of crowds" question. And on this retirement stuff, it's basically good to be as pessimistic as you have the luxury of being, right ? I'm not counting n SS too much, so I think I'm going to use the most p...
by RustyShackleford
Thu Oct 10, 2013 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: how to de-rate social security
Replies: 22
Views: 1417

how to de-rate social security

Hope this isn't too controversial - I don't mean for it to be ... I'm trying to make a roadmap of what my retirement income looks like, and it'd be really helpful to know how much social security I'll actually receive. There is an estimation tool at http://www.ssa.gov, and it's better than I recall ...
by RustyShackleford
Thu Oct 10, 2013 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: how to de-rate social security
Replies: 22
Views: 1417

Re: Bhutan

I don't know anything about it, but this was really fascinating to me:

http://en.wikipedia.org/wiki/University ... chitecture
by RustyShackleford
Mon Oct 07, 2013 2:02 am
 
Forum: Personal Consumer Issues
Topic: Bhutan
Replies: 21
Views: 2001

Re: Turbo Tax Figuring State Tax Wrong

My federal taxable income is the starting point for computing state taxable income. Correction. North Carolina has re-done their tax forms so that you start with federal AGI. But everything else I posted is still the same, and the non-taxable Bailey money is still getting deducted when figuring my ...
by RustyShackleford
Sun Oct 06, 2013 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Figuring State Tax Wrong
Replies: 12
Views: 1889

Re: Taxable investing in the 15% marginal bracket...

Try increasing ordinary income by $100. It is still in the 15% bracket so the extra tax1 is $15. However it displaced $100 of LTCG into the 25% bracket which is taxed (tax2) at 15% or $15. The total increase in tax is $30 so the marginal rate for ordinary income is 30% until al LTCG has been pushed...
by RustyShackleford
Fri Aug 02, 2013 2:00 am
 
Forum: Investing - Theory, News & General
Topic: Taxable investing in the 15% marginal bracket...
Replies: 19
Views: 2111

Re: what has low correlation with commodities ?

Interesting stuff, thanks folks. 3 year rolling correlation for the OP is meaning less, since his time frame is less than that. Indeed. I am intrigued by the UUP suggestion, since as you point out, my timeframe is only a year or so, and the correlation should be negative. OTOH, even if I'm almost gu...
by RustyShackleford
Mon Jul 08, 2013 2:36 am
 
Forum: Investing - Help with Personal Investments
Topic: what has low correlation with commodities ?
Replies: 10
Views: 631

Re: what has low correlation with commodities ?

Call_Me_Op wrote:Do you want a low correlation, or a negative correlation? Probably easier to find things with a negative correlation.

I guess negative would be better, yes.
by RustyShackleford
Sun Jul 07, 2013 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: what has low correlation with commodities ?
Replies: 10
Views: 631

what has low correlation with commodities ?

Before I start, please don't let this spin off into a discussion about the pros/cons of commodities in a portfolio - there is plenty to read elsewhere (at this forum and elsewhere) on this topic, and I have decided they belong in my portfolio for now at least (in the form of ticker symbol DBC, regar...
by RustyShackleford
Sun Jul 07, 2013 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: what has low correlation with commodities ?
Replies: 10
Views: 631

Re: [Poll] What's Your Current Mode of Camping?

REI is great and I shop there plenty. But there is an unfortunate side effect to their vastness. They tend to not carry gear from small or niche manufacturers, because those manufacturers cannot supply the volumes REI requires. Therefore a lot of state-of-the-art gear cannot be had from REI - for e...
by RustyShackleford
Wed Jul 03, 2013 12:59 am
 
Forum: Personal Consumer Issues
Topic: [Poll] What's Your Current Mode of Camping?
Replies: 93
Views: 6653

Re: [Poll] What's Your Current Mode of Camping?

I like buying equipment at REI... REI is great and I shop there plenty. But there is an unfortunate side effect to their vastness. They tend to not carry gear from small or niche manufacturers, because those manufacturers cannot supply the volumes REI requires. Therefore a lot of state-of-the-art g...
by RustyShackleford
Tue Jul 02, 2013 1:02 am
 
Forum: Personal Consumer Issues
Topic: [Poll] What's Your Current Mode of Camping?
Replies: 93
Views: 6653
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