Search found 5882 matches

Return to advanced search

Re: Boglehead Fitbit group

So it is basically marketing hype from the company that sells the devices.
by Sidney
Thu Jan 29, 2015 1:14 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Fitbit group
Replies: 18
Views: 1036

Re: Boglehead Fitbit group

supposedly walk 43% more 43% more than what? Steps. I myself have notices this phenomena. Last week, I had to run errands, at three stores, three blocks apart. As a southern Californian, I would normally drive to each, and repark. However, I walked to all three, and back to my car. I probably picke...
by Sidney
Thu Jan 29, 2015 12:36 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Fitbit group
Replies: 18
Views: 1036

Re: Boglehead Fitbit group

tludwig23 wrote:You'd think the technology would be built into your Rolex! :wink:

for $5,000 it should do the walking for you.
by Sidney
Wed Jan 28, 2015 4:45 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Fitbit group
Replies: 18
Views: 1036

Re: Boglehead Fitbit group

Petrocelli wrote:supposedly walk 43% more

43% more than what?
by Sidney
Wed Jan 28, 2015 4:24 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Fitbit group
Replies: 18
Views: 1036

Re: Bank adviser did some terrible advising...Help please

I would suggest leaving right away. Take the loss on 2015 Schedule D.
by Sidney
Tue Jan 27, 2015 5:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bank adviser did some terrible advising...Help please
Replies: 25
Views: 1801

Re: Refund from the IRS? Why?

dbCooperAir wrote:I don't get a big pile back but its normally enough to fund 1/2 of a Roth give or take. I would rather get a few bucks back than pay in, its just a mental thing. I would be 3 times crappier paying in $1,000 vs. getting $1,000 back.

Maybe I'll open up a bank and sell you some 0% CDs. :beer
by Sidney
Tue Jan 27, 2015 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refund from the IRS? Why?
Replies: 45
Views: 4136

Re: Mixed treasury mutual fund

treasury securities are easy to buy. Have you considered just buying a ladder to meet your needs?
by Sidney
Tue Jan 27, 2015 9:10 am
 
Forum: Investing - Theory, News & General
Topic: Mixed treasury mutual fund
Replies: 10
Views: 736

Re: Refund from the IRS? Why?

I read the article twice and didn't see any reference to 4 months. But I'm old, maybe I missed it.
by Sidney
Tue Jan 27, 2015 8:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Refund from the IRS? Why?
Replies: 45
Views: 4136

Re: New car safety features

second-guesser wrote:Am I missing something ?

Private driving lessons.
by Sidney
Tue Jan 27, 2015 8:29 am
 
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 68
Views: 3373

Re: best way to handle incorrect name/SSN on 1099-INT

I'd get a corrected 1099. You don't have to file until October anyways, so I would not worry about getting an incorrect corrected 1099 this Spring. Been there. Done that. Also, when you file, the 1099-Int isn't part of the e-file. Interest is aggregated. The great income matching system in the sky ...
by Sidney
Sun Jan 25, 2015 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: best way to handle incorrect name/SSN on 1099-INT
Replies: 10
Views: 402

Re: best way to handle incorrect name/SSN on 1099-INT

If you transferred ownership of the CDs to your name in 2013, the 2014 1099 should bear your SSN. If not, I would ask the bank to re-issue them. Have you received them yet?
by Sidney
Sun Jan 25, 2015 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: best way to handle incorrect name/SSN on 1099-INT
Replies: 10
Views: 402

Re: Rental Car Prices - is this the new normal ?

Bustoff wrote:In 2011 our car rental was $189.97 for 7 days.

Maybe that was the Takata airbag special.
by Sidney
Sun Jan 25, 2015 9:39 am
 
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 57
Views: 4282

Re: Fairmark: Free Tax Filing

I didn't see any reference to VITA or AARP TaxAide(TCE) or completing paper forms by hand for that matter.
by Sidney
Fri Jan 23, 2015 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Fairmark: Free Tax Filing
Replies: 5
Views: 563

Re: Would you use MaskMe?

Don't some card issuers provide one-time card numbers for online use? I think one of mine does but I haven't checked into it.
by Sidney
Thu Jan 22, 2015 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you use MaskMe?
Replies: 12
Views: 1478

Re: Why are people buying 10 year Bunds?

Some are probably being bought by traders who think they will appreciate in value.
by Sidney
Thu Jan 22, 2015 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: Why are people buying 10 year Bunds?
Replies: 14
Views: 1385

Re: When is cash still king?

I use cash for a lot of expenditure. I rarely use currency though. Probably my biggest cash expenditures are health care (insurance premiums via direct debit), utilities (direct debit) and income taxes (EFTPS).
by Sidney
Wed Jan 21, 2015 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: When is cash still king?
Replies: 26
Views: 2795

Re: Better to file taxes separately if married?

nobsinvestor wrote:I do wonder though if it might be extra painful to sign a joint return if one spouse has a totally different (tax-inefficient) investment or spending habit than the other.

If that is the case, signing the tax return may be the least of the worries.
by Sidney
Wed Jan 21, 2015 8:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Better to file taxes separately if married?
Replies: 20
Views: 1569

Re: Lenovo Yoga (& sudden shut down?)

ResearchMed wrote:"I just want my Windows 7 back, please..."

Then you wasted money on a touch screen. Install Classic Shell.
by Sidney
Mon Jan 19, 2015 5:50 pm
 
Forum: Personal Consumer Issues
Topic: Lenovo Yoga (& sudden shut down?)
Replies: 27
Views: 2117

Re: Capital Gains help

I'd be tempted to wait for the next major market crash - if you get lucky you will have losses you can book then.
by Sidney
Mon Jan 19, 2015 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: Capital Gains help
Replies: 18
Views: 948

Re: Moca Adapters

It says Ethernet over coax. I'd look at either powerline or a wireless extender instead.
by Sidney
Mon Jan 19, 2015 4:19 pm
 
Forum: Personal Consumer Issues
Topic: Moca Adapters
Replies: 12
Views: 906

Re: 1099-DIV error(?)

Corrections to tax statement usually flush through by summer time. On rare occasions I have received corrections as late as August.
by Sidney
Mon Jan 19, 2015 9:02 am
 
Forum: Investing - Help with Personal Investments
Topic: 1099-DIV error(?)
Replies: 14
Views: 1454

Re: What Should I Do With My HSA?

For that amount, I would spend it down on qualified medical expenses as incurred. Get the administration behind me.
by Sidney
Sun Jan 18, 2015 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: What Should I Do With My HSA?
Replies: 10
Views: 1092

Re: How to transition from local hard drive to the cloud

Sensitive information should be encrypted. What would you recommend for encryption....and how cumbersome is it to encrypt and then access? There are several solutions. Right now I only have a very few "sensitive" documents in a Google Drive so I use Truecrypt. I also keep my Keepass datab...
by Sidney
Sun Jan 18, 2015 9:28 am
 
Forum: Personal Consumer Issues
Topic: How to transition from local hard drive to the cloud
Replies: 12
Views: 969

Re: How to transition from local hard drive to the cloud

Sensitive information should be encrypted.
by Sidney
Sat Jan 17, 2015 8:59 pm
 
Forum: Personal Consumer Issues
Topic: How to transition from local hard drive to the cloud
Replies: 12
Views: 969

Re: IRS Publication 590

No obvious reason why they split the Pub other than being too big. Many people wanting info on IRAs will just have to access both Pubs now. We had 114 pages before, the new A and B total is 122. The major IRA change is the rollover limitation, and that subject bridges both distributions and contrib...
by Sidney
Sat Jan 17, 2015 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Publication 590 [Revised to 590-A and 590-B]
Replies: 7
Views: 965

Re: garbage disposals - are these still used?

john94549 wrote:Interesting thread. I've always assumed they were "standard", but maybe not.

Older homes in older neighborhoods sometimes have very old cast-iron or other piping all the way to the street. Sending solids down these pipes -- even ground solids -- can cause a lot of problems.
by Sidney
Sat Jan 17, 2015 5:37 pm
 
Forum: Personal Consumer Issues
Topic: garbage disposals - are these still used?
Replies: 52
Views: 3681

Re: Survey - Men Who Exercise At a Gym

You forgot one option -- clothes evolve to sentient beings, get up and walk to the wash on their own.

I generally throw them in the laundry every other trip to the gym - depends on how hot the gym is and how aggressive my workout is.
by Sidney
Sat Jan 17, 2015 5:34 pm
 
Forum: Personal Consumer Issues
Topic: Survey - Men Who Exercise At a Gym
Replies: 23
Views: 2629

Re: 401k Rollover to IRA to Roth Conversion

You will get a 1099R.
by Sidney
Wed Jan 14, 2015 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: 401k Rollover to IRA to Roth Conversion
Replies: 5
Views: 311

Re: Reporter doing story on Turbo Tax Fracas

Do they start dropping prices after April? One would think that by September there should be some good deals on tax software.
by Sidney
Wed Jan 14, 2015 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Reporter doing story on Turbo Tax Fracas
Replies: 52
Views: 7104

Re: How to handle defaulted debts and current student loans?

Keep in mind that if the credit card companies write off the debts, they may send you a 1099 and you will owe taxes on this as it gets reported on your tax return.
by Sidney
Mon Jan 12, 2015 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to handle defaulted debts and current student loans?
Replies: 59
Views: 2681

Re: Get ready for lower SWR

MathWizard wrote:SWR would be the least of our problems if we extend the average lifespan to 120.
We would need to a huge overhaul to how our economic systems work.

We will definitely need bigger basements.
by Sidney
Mon Jan 12, 2015 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get ready for lower SWR
Replies: 13
Views: 2074

Re: A couple Noob tax questions

bobsmith wrote:So I guess it's possible to get money back even though you never paid in any taxes, right?

Yes, that is how refundable tax credits work.
by Sidney
Mon Jan 12, 2015 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: A couple Noob tax questions
Replies: 6
Views: 686

Re: Question about AxCrypt (file encryption)

If you are concerned about access if someone were to get possession of your laptop you should consider whole-disk encryption. That will make sure various temporary files and application data (e.g. browser profiles) are secure. Single file encryption is particularly good for storing files on cloud or...
by Sidney
Sun Jan 11, 2015 4:19 pm
 
Forum: Personal Consumer Issues
Topic: Question about AxCrypt (file encryption)
Replies: 4
Views: 409

Re: Can my employer open an HSA account for me without me?

Sounds to me like you need a new employer.
by Sidney
Sun Jan 11, 2015 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can my employer open an HSA account for me without me?
Replies: 19
Views: 1389

Re: Can my employer open an HSA account for me without me?

The real question is, does an employer/entity have the right to open an individual HSA account (all HSA accounts are individual) in an individual's name, without that individual's knowledge or consent? You should read your plan materials that will probably spell this out ala "If you sign up fo...
by Sidney
Sun Jan 11, 2015 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can my employer open an HSA account for me without me?
Replies: 19
Views: 1389

Re: trouble with posting images

If you search the forum, there is a thread that explains that a public link to a doc in your Google Drive account reveals your Google identity. I wouldn't use Google drive for posting images.
by Sidney
Fri Jan 09, 2015 9:00 am
 
Forum: Forum Issues and Administration
Topic: trouble with posting images [from Google docs]
Replies: 16
Views: 798

Re: Paper Statements

For me ,balancing my "checkbook" ,which I don't use,involves opening Quicken,going to my bank account online and verifying each expenditure that has occurred via auto debit,on-line bill pay,ATM transaction or credit card. No paper :happy How do the entries get into Quicken? Using Quicken ...
by Sidney
Mon Jan 05, 2015 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Paper Statements
Replies: 68
Views: 3395

Re: Paper Statements

Toons wrote:For me ,balancing my "checkbook" ,which I don't use,involves opening Quicken,going to my bank account online and verifying each expenditure that has occurred via auto debit,on-line bill pay,ATM transaction or credit card.
No paper :happy

How do the entries get into Quicken?
by Sidney
Sun Jan 04, 2015 6:23 pm
 
Forum: Personal Consumer Issues
Topic: Paper Statements
Replies: 68
Views: 3395

Re: Chromebook dedicated to finances?

AV software doesn't always work.
by Sidney
Sat Jan 03, 2015 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chromebook dedicated to finances?
Replies: 62
Views: 3756

Re: Accessing Bank from someone else's Wifi

Consider using a VPN.

Here are some free ones. I tried SecurityKiss a couple times (not recently). My recollection is that it was easy enough to install and setup.

http://www.techsupportalert.com/best-fr ... ervice.htm
by Sidney
Wed Dec 31, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Accessing Bank from someone else's Wifi
Replies: 10
Views: 1631

Re: Retirement planning and longer lifespans

flyingaway wrote:Just work and save, and quit when you don't want to work.

Right. And if you run out of money, roll your wheel chair off a cliff.
by Sidney
Wed Dec 31, 2014 1:17 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement planning and longer lifespans
Replies: 10
Views: 744

Re: Predicting Long Term Returns After Costs In Taxable

I am not sure whether by "inflation adjusted" you mean nominal or real. I normally do projections using real returns. Lately, if I had to pick something I'd probably use something like 4% real returns for equity. My crystal ball doesn't focus well enough to isolate costs in the future.
by Sidney
Wed Dec 31, 2014 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: Predicting Long Term Returns After Costs In Taxable
Replies: 6
Views: 641

Re: tax GAIN harvesting, and repurchasing shares

The Wiki has a good explanation of wash sales.

https://www.bogleheads.org/wiki/Wash_sale

As you can see, it doesn't apply to sales with a gain.
by Sidney
Tue Dec 30, 2014 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: tax GAIN harvesting, and repurchasing shares
Replies: 7
Views: 739

Re: Do we have enough to retire?

Well yes and no to that question. Retirement assets and income are divided between SP500 index, stocks, real estate, annuity, and pension. I understand concerns over market related diversification and do not wish to debate the merits of our portfolio. Just keep in mind that the composition of the p...
by Sidney
Mon Dec 29, 2014 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Do we have enough to retire?
Replies: 23
Views: 2876

Re: retirement spending covered by SS

I've been retired for over 6 years and SS is still 8 years away. So I will vote zero. When I did my poll I asked it in the context of once you start receiving SS not when you retire. In any case, the numbers change depending on the circumstances. I plan to defer SS to 70.5 but at the same time, my ...
by Sidney
Mon Dec 29, 2014 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: retirement spending covered by SS
Replies: 34
Views: 2423

Re: retirement spending covered by SS

gardemanger wrote:What do you mean by "paired"? If you mean "married", say "married." Also, where does widowed/collecting survivor benefits fit into the scenario?

I would assume that paired includes (but may not be limited to) married, civil unions, cohabitation.
by Sidney
Mon Dec 29, 2014 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: retirement spending covered by SS
Replies: 34
Views: 2423

Re: Is 22 months of "cash" enough for me?

I think only you can know the answer. It is a personal risk preference question. I have 8 years before I take SS and I hold almost no cash. I am probably an outlier.
by Sidney
Sun Dec 28, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Is 22 months of "cash" enough for me?
Replies: 8
Views: 1612

Re: Shift from Accumulating to Income Generation for Retirem

--Second, I personally do not voluntarily invest in any fund with an ER > .2%. Some 401Ks pretty much require it, but there are so many great choices available at a low cost nowadays that using ETFs with ERs of .5% or greater just doesn't make sense. Absolutely. Should be able to get ER into the lo...
by Sidney
Sun Dec 28, 2014 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: UPDATE: Shift from Accumulating to Income Generation for Ret
Replies: 48
Views: 3700

Re: retirement spending covered by SS

I've been retired for over 6 years and SS is still 8 years away. So I will vote zero.
by Sidney
Sun Dec 28, 2014 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: retirement spending covered by SS
Replies: 34
Views: 2423

Re: retirement spending covered by SS

Are you asking about now or some day?
by Sidney
Sun Dec 28, 2014 8:07 am
 
Forum: Personal Finance (Not Investing)
Topic: retirement spending covered by SS
Replies: 34
Views: 2423
Next

Return to advanced search