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Re: Joint accounts or separate accounts for married couples?

mptfan wrote: And you didn't have to "suspect", all you had to do was read the post because I said that explicitly.

Post is too long.
by Sidney
Thu Oct 30, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Joint accounts or separate accounts for married couples?
Replies: 19
Views: 292

Re: Joint accounts or separate accounts for married couples?

Grt2bOutdoors wrote:I didn't know that the "law" dictates how much a married or unmarried couple is permitted to keep in joint accounts. :confused Must be some "new law" that is out there. :shock:

I suspect that OP was referring to the fact that IRAs etc are individual accounts and must remain so.
by Sidney
Thu Oct 30, 2014 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Joint accounts or separate accounts for married couples?
Replies: 19
Views: 292

Re: Joint accounts or separate accounts for married couples?

I only have an opinion with respect to one married couple.
by Sidney
Thu Oct 30, 2014 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Joint accounts or separate accounts for married couples?
Replies: 19
Views: 292

Re: 1099 vs. W2 income

Companies sometimes have other motives than taxes for preferring 1099 to W2 -- especially in the area of employee benefits.
by Sidney
Thu Oct 30, 2014 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: 1099 vs. W2 income
Replies: 3
Views: 126

Re: Brother-in-law w/ CC Debt

Notwithstanding the ethics, if the debt is eventually canceled, he may receive a tax form declaring the canceled debt. It is treated as income to the debtor and is reported on Line 21 of Form 1040. This has been a real shock to many people who have had CC debt canceled by the holder.
by Sidney
Thu Oct 30, 2014 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Brother-in-law w/ CC Debt
Replies: 13
Views: 1302

Re: Tax question

Here's a case that you can google (Dunkelberger v. Commissioner T.C. Memo 1992-723 (T.C. 1992)) Basically, it states that giving gifts to other employees is not considered a deductible employee business expense because it's not an "ordinary and necessary" expense of being an employee. If ...
by Sidney
Thu Oct 30, 2014 8:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax question
Replies: 11
Views: 658

Re: Company force moving me to headquarters -what to expect

Most companies have a relocation policy. You might want to check with your HR department to see what exists already. Sometimes a company will sweeten the deal if they really want people to move.
by Sidney
Thu Oct 30, 2014 8:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Company force moving me to headquarters -what to expect ?
Replies: 5
Views: 388

Re: Apple Pay, Google Wallet, credit, and us

furwut wrote: WentWhen they tell me to pay another way I'd shrug and say no thanks and tell them never mind - I'll just go down the street to their competitor.

Why not just do this from the start. Why waste your time and theirs?
by Sidney
Thu Oct 30, 2014 8:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 63
Views: 5133

Re: POLL: Gross Annual Retirement Income Before Taxes

OP asked for the total of several sources of income. He didn't ask for a list of expenses, like how much do you spend on housing, food, travel, etc. I answered accordingly but it bears no relationship to what I spend. OP might want to know the ballpark retirement income to see if he is on the playi...
by Sidney
Tue Oct 28, 2014 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Gross Annual Retirement Income Before Taxes
Replies: 25
Views: 1888

Re: who decides the stock price?

Buyers and sellers.
by Sidney
Tue Oct 28, 2014 4:46 pm
 
Forum: Investing - Theory, News & General
Topic: who decides the stock price?
Replies: 17
Views: 1274

Re: POLL: Gross Annual Retirement Income Before Taxes

HomerJ wrote:Should have said expenses, not income...

Income can be confusing. My expenses are going to be about $80k a year in retirement... No idea what my income will be... hopefully about the same or higher...

Yes, when you unravel all the pluses and minuses, that is what is being asked for.
by Sidney
Tue Oct 28, 2014 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Gross Annual Retirement Income Before Taxes
Replies: 25
Views: 1888

Re: POLL: Gross Annual Retirement Income Before Taxes

avalpert wrote:Do you mean to be asking about 'income' or about spending?

Probably spending, since even accumulators would have negative drawdown of savings/investments. Sounds like OP is looking for annual re-titlement of money from self to others. I suppose that would include gifts as well.
by Sidney
Tue Oct 28, 2014 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Gross Annual Retirement Income Before Taxes
Replies: 25
Views: 1888

Re: POLL: Gross Annual Retirement Income Before Taxes

I try to keep mine as low as I can but it is going to ramp up when my pension starts and then spike again at 70.5. Not sure what the poll tells you. Some people like income and others don't.
by Sidney
Tue Oct 28, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Gross Annual Retirement Income Before Taxes
Replies: 25
Views: 1888

Re: Buying Salmon Online

You should be able to talk your market into selling you the frozen fish before they defrost it..........I'm sure they don't defrost them all at the same time. .........and also cut them into the right size chunks while frozen. We always do this. That way we know it hasn't sat around on ice for a co...
by Sidney
Tue Oct 28, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: Buying Salmon Online
Replies: 20
Views: 1586

Re: Fed Quantitative Easing

I suppose it could, but I'm not sure. Yes, it might. But no guarantees.
by Sidney
Tue Oct 28, 2014 9:36 am
 
Forum: Investing - Theory, News & General
Topic: Fed Quantitative Easing
Replies: 15
Views: 1165

Re: DVD-R, RW and VHS Player

CountryBoy wrote:My wife and I enjoy watching '30s movies that we record from Turner Classic Movie channel on our Cablevison.

No one else likes these but we certainly do.

Aren't most of these available online now -- without the annoyance of commercials?
by Sidney
Tue Oct 28, 2014 9:15 am
 
Forum: Personal Consumer Issues
Topic: DVD-R, RW and VHS Player
Replies: 13
Views: 854

Re: Questions about IRA

If this is after-tax money and you have no other Traditional IRAs that contain pre-tax money, I would just convert the IRA to a ROTH IRA after you make the contribution.
by Sidney
Mon Oct 27, 2014 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions about IRA
Replies: 1
Views: 205

Re: Do you dream about retirement?

bertilak wrote:I'm retired and dream about work!

Exam dream?
by Sidney
Mon Oct 27, 2014 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you dream about retirement?
Replies: 82
Views: 5155

Re: Buying CDs with locked credit

telemark wrote:It depends on the bank, and the ones that do pull your report may be secretive about it. Ally in particular is known for requiring a credit score before you can buy CDs or open a savings account. You may just have to apply and see what happens.

Great, we need a good credit score to loan them money.
by Sidney
Mon Oct 27, 2014 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying CDs with locked credit
Replies: 5
Views: 681

Re: Apple Pay, Google Wallet, credit, and us

As for normal retail, I can pop a card out of my wallet almost as fast as I can raise up my phone. 1. Yes, but wouldn't it be nice not to have to carry the wallet at all, or at least not the credit cards? 2. You are forgetting that, in many cases, you also have to wait for the cashier to do somethi...
by Sidney
Sat Oct 25, 2014 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 63
Views: 5133

Re: Google Docs

Not sure I understand your question. If you have a Google drive, to get files from it you have to be logged in to your Google account, yes. If someone makes a google doc public share, then no. Like this: https://docs.google.com/document/d/1TgfM4XawvKkH-9KMdDiH9ed4Vx0hrHkGeio4saO-N7Q/edit?usp=sharing
by Sidney
Sat Oct 25, 2014 10:12 am
 
Forum: Personal Consumer Issues
Topic: Google Docs [to share a spreadsheet publicly]
Replies: 12
Views: 1414

Re: Apple Pay, Google Wallet, credit, and us

I am more excited about the potential for restaurant dining where Open Table is enabling Apple Pay to go so you don't need to wait for your check, you just go to the Open Table app and pay online. Is that in the works? That would be of real value. As for normal retail, I can pop a card out of my wa...
by Sidney
Sat Oct 25, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 63
Views: 5133

Re: US Chip & Signature --> Chip & PIN 2020

Hard to know how it plays out. In my cohort (retirees), tilt toward Apple because it is easier to use and tends to be not as buggy. But this cohort isn't about to start using their phones to shop. You'll have to pry their credit cards out of their cold, dead hands. Some of them still write checks at...
by Sidney
Thu Oct 23, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1317

Re: Just wondering how you personally calculate net worth

I don't adjust anything. The only time I create a Net Worth statement is to provide it to the attorney who prepared my will.
by Sidney
Wed Oct 22, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just wondering how you personally calculate net worth
Replies: 56
Views: 3714

Re: US Chip & Signature --> Chip & PIN 2020

I wonder why they are dragging their feet. If the phone guys get some critical mass they may change their minds.
by Sidney
Wed Oct 22, 2014 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1317

Re: Tax question for capital gains in tax-deferred account

No, when the money is withdrawn from the tax-deferred accounts it will be treated as ordinary income, not capital gains.
by Sidney
Wed Oct 22, 2014 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax question for capital gains in tax-deferred account
Replies: 3
Views: 261

Re: locating a competent PC repair shop........

Someone I know had to take her laptop three times to Staples before they fixed it right. $200. For $200, she might was well have bought a new low-end PC. I was thinking the same thing. If the use is basic (browsing, word processing ...) I just go low end and toss/replace. Maybe even look at Chromeb...
by Sidney
Wed Oct 22, 2014 9:40 am
 
Forum: Personal Consumer Issues
Topic: locating a competent PC repair shop........
Replies: 12
Views: 805

Re: Debit Card was hacked. Should I just use cash from now

Many retailers have had the technology for years. I think MasterCard was one of the first with tap-to-pay on their CC (as least I remember it that way) and I've had tap to pay CC's for years now. I remember when Mobile gas stations heavily advertised the key fob that you could use to buy gas instea...
by Sidney
Tue Oct 21, 2014 9:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 54
Views: 3367

Re: Vanguard "glitch"

I rarely have a problem with the VG site but when I do, if I leave it for a couple of days, it always goes away.
by Sidney
Tue Oct 21, 2014 8:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard "glitch"
Replies: 3
Views: 833

Re: Debit Card was hacked. Should I just use cash from now

With Apple rolling out Apple Pay, I keep wondering: Is this a solution in search of a problem? Is there enough advantage to the consumer over Chip and PIN (assuming it is implemented)? Will enough retailers adopt the technology (or alternatively, will the Chip and PIN readers incorporate the technol...
by Sidney
Tue Oct 21, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 54
Views: 3367

Re: quick TLH sanity check

Hold for 31 days and then move back to the first portfolio. You need to be comfortable enough with the new holdings to hold them forever. If the market bounces back and erases the loss you don't want to switch back. You might never get back. But there are plenty of similar enough, cost effective ho...
by Sidney
Mon Oct 20, 2014 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: quick TLH sanity check
Replies: 3
Views: 302

Re: Multiple Fake "Thank you for your order"?

My email is programmed to delete anything that doesn't match an address in my contact list. Every once in a while a spoof leaks through but those are pretty obvious.
by Sidney
Mon Oct 20, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2306

Re: Debit Card was hacked. Should I just use cash from now

takeshi wrote:They're not a panacea. The added security is only really beneficial when used with EMV enabled terminals.


True, but once things get rolling, it will be hard for retailers to resist installing them.
by Sidney
Mon Oct 20, 2014 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 54
Views: 3367

Re: DOW Watchers Stomach Syndrome

Toons wrote:"As I walk away from watching the recorded news"

Why don't you try recording something different,,something like re-runs from the TV-Land channel, :sharebeer

or pro-wrestling. Sometimes hard to tell the difference between that and cable news.
by Sidney
Mon Oct 20, 2014 10:26 am
 
Forum: Investing - Theory, News & General
Topic: DOW Watchers Stomach Syndrome
Replies: 25
Views: 2093

Re: Anyone cancelling travel plans?

JonnyDVM wrote:My only fear is coming back to Atlanta with a slight fever lest they wrap me up in Saran wrap and throw me in a plastic tent.

or sealed in carbonite
by Sidney
Mon Oct 20, 2014 8:31 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6314

Re: What tax software do you use and why

I do mine by hand, supplemented by a(n RPN) calculator. I submit electronically when it's free. I do choose an online tool to find out whether we agree. The last time we didn't come up with the same number the tool was wrong, not me - I tracked down the specific rule the software implemented incorr...
by Sidney
Sun Oct 19, 2014 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 54
Views: 2569

Re: Help me choose...

If it were me, I would do this one and tweak it to either eliminate the equity decline (fixed allocation) or have the equity allocation decline slower than you age. I'm not a bucket fan. The simpler the better IMO. 1. Age in Bonds is simple and easy to prune the winners and/or rebalance. The downsid...
by Sidney
Sun Oct 19, 2014 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Help me choose... [Retirement withdrawal strategy]
Replies: 12
Views: 1278

Re: When to think about tax lost harvesting

I monitor unrealized gains and losses routinely. When I have unrealized losses, I generally go ahead and book them. I don't have a set threshold but I probably wouldn't bother if the loss were less than $1,000. When things start going down, losses can build quite quickly. In '08-09 I was cycling thr...
by Sidney
Sun Oct 19, 2014 8:23 am
 
Forum: Investing - Help with Personal Investments
Topic: When to think about tax lost harvesting
Replies: 19
Views: 1427

Re: Help Create a Portfolio Generating 2,500 a month on 600K

OP, I do not think that you really mean all of what you wrote once you read what I say below. But if you did, I recommend that you consider removing yourself from involvement in this matter with your mother. 1. You indicated that you wanted a certain return on investment. Check. 2. You indicated th...
by Sidney
Sat Oct 18, 2014 9:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Create a Portfolio Generating 2,500 a month on 600K
Replies: 22
Views: 3796

Re: If those airline passengers get sick- airline stocks wil

VictoriaF wrote:The news organizations are (will be) affected by restricted travel.


CNN has their own holographic plane. They can run a story 24x7 without any substance.
by Sidney
Sat Oct 18, 2014 9:18 pm
 
Forum: Investing - Theory, News & General
Topic: If those airline passengers get sick- airline stocks will
Replies: 22
Views: 1730

Re: If those airline passengers get sick- airline stocks wil

countofmc wrote:We are entering flu season, so I'd imagine there will be a lot of false alarms.

Yes, probably so. Might be better invested in cable news companies. They love this stuff.
by Sidney
Sat Oct 18, 2014 5:31 pm
 
Forum: Investing - Theory, News & General
Topic: If those airline passengers get sick- airline stocks will
Replies: 22
Views: 1730

Re: Anyone cancelling travel plans?

Ebola can take out healthy people very easily. So can teenagers with cell phones and a car. http://en.wikipedia.org/wiki/Non_sequitur_(logic) Yes I understand that but I don't get excited about either one because the risk is quite low and the result is the same. If someone said "worry about on...
by Sidney
Sat Oct 18, 2014 5:23 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6314

Re: Question about AA and withdrawal strategy in retirement

wish2bCFP wrote: What's a guy to do?

Rebalance to desired allocation as you withdraw. If that requires buying equity in tax deferred, so be it.
by Sidney
Sat Oct 18, 2014 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about AA and withdrawal strategy in retirement
Replies: 5
Views: 517

Re: Anyone cancelling travel plans?

denovo wrote:Ebola can take out healthy people very easily.

So can teenagers with cell phones and a car.
by Sidney
Sat Oct 18, 2014 4:41 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6314

Re: Please help me solve my wireless router issues

So, I called my cable company and got them to reset the modem-voila- Internet. Great. For future reference, often you can reboot the cable modem yourself and that will sometimes accomplish the same thing. My cable modem has a small hole in the back that is just large enough to stick a paper clip in...
by Sidney
Thu Oct 16, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: Please help me solve my wireless router issues
Replies: 29
Views: 1215

Re: Headed for a 300+ point loss today?

subham wrote:Isn't this a ticking time bomb?


Could well be. I think they have to offer alternatives though. Hopefully he has been unloading company stock quickly as it accumulates.
by Sidney
Thu Oct 16, 2014 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 445
Views: 30378

Re: Market Slide Percentages?

I only watch for re-balance triggers and unrealized losses in taxable accounts. Since I participated in the mother of all TLHs (MOAT) in 2009 and am not an accumulator, unrealized losses are a long way off. I can usually guess my allocation within a tenth of a point or so without even logging in.
by Sidney
Thu Oct 16, 2014 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Market Slide Percentages?
Replies: 28
Views: 1870

Re: Please help me solve my wireless router issues

Probably something in the router settings. But before you go in and look at those, make sure that the wire from the cable modem is connected to the WAN jack on the back of the router. Usually there are 5 jacks, one is usually marked "WAN" and the other 4 will usually be marked "LAN.&q...
by Sidney
Thu Oct 16, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: Please help me solve my wireless router issues
Replies: 29
Views: 1215

Re: Monty Carlo Simulation

I don't think with the free sites you get the full Monty Carlo simulation.
by Sidney
Thu Oct 16, 2014 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: Monte Carlo Simulation
Replies: 9
Views: 790

Re: Time Out of Market During Rollover

Does the plan allow partial rollovers?
by Sidney
Thu Oct 16, 2014 2:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Time Out of Market During Rollover
Replies: 16
Views: 971
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