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Re: Google Voice Not Supported on OBi Devices After May 15 2

linuxology wrote:If you care about your privacy, do not use Google voice.


Can you elaborate? Do you think Google is doing speech to text conversion and indexing the results in their search system?
by Sidney
Tue Apr 22, 2014 1:30 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 57
Views: 2989

Re: Bogleheads, About to retire, Pleases Help

Except for treasury issues , I am not a fan of individual bonds. I'd suggest re-thinking this. I suppose CDs are an option but IMO individual corporate or muni bonds are a lot of work to achieve decent diversification -- kind of goes against the simplification theme.
by Sidney
Tue Apr 22, 2014 1:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Bogleheads, About to retire, Pleases Help
Replies: 11
Views: 1611

Re: Retiree Roth Conversion Decision Model

BigFoot48 I found the answer in the Tax Tables Page. Thanks again for this great spreadsheet. It is important to keep in mind that the tax brackets are not always the marginal tax rate. Many retirees have significant dividends and at some point, you can find yourself in the 25% tax bracket but see ...
by Sidney
Mon Apr 21, 2014 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Roth Conversion Decision Model
Replies: 102
Views: 19470

Re: How to avoid ads and not get tracked

keanwood wrote:I feel that blocking ads is the equivalent of theft.

Sounds like I need to stop going to the bathroom when commercials come on television.
by Sidney
Sat Apr 19, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: How to avoid ads and not get tracked
Replies: 49
Views: 2766

Re: Where to put RMDs in budget?

I haven't reached RMD age yet but I did do a ROTH conversion. I sort of think of it as a spin off. The US Treasury is getting their share in the venture. If I plan properly I can optimize my share of the venture.
by Sidney
Sat Apr 19, 2014 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put RMDs in budget?
Replies: 16
Views: 842

Re: How to avoid ads and not get tracked

dl7848 wrote: Big Brother and Big Data


I saw them in concert two years ago at Red Rocks.
by Sidney
Fri Apr 18, 2014 8:32 am
 
Forum: Personal Consumer Issues
Topic: How to avoid ads and not get tracked
Replies: 49
Views: 2766

Re: Over-55 communities a ripoff?

Seriously, I know someone who lived in the Villages for a while and moved away. The ambulances creeped them out.
by Sidney
Thu Apr 17, 2014 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Over-55 communities a ripoff?
Replies: 38
Views: 2714

Re: Over-55 communities a ripoff?

Question: Why would an over-55 'empty-nest' couple 'downsize' by selling their long-time and likely paid-off home, and buying into a new over-55 community? Children, or lack thereof. I did not buy, but rented in an over-55 apartment complex. It was eerily quiet, the silence broken only by the sound...
by Sidney
Thu Apr 17, 2014 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Over-55 communities a ripoff?
Replies: 38
Views: 2714

Re: Estate Planning Issues

Can't comment on creditor protection but it seems to me she should look for something to address this:

yet they continue to spend, spend, spend.
by Sidney
Thu Apr 17, 2014 3:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Issues
Replies: 15
Views: 1820

Re: Map pinning

Have you checked to see if Google Maps can map data from a docs spreadsheet?
by Sidney
Thu Apr 17, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: Map pinning
Replies: 7
Views: 443

Re: Individual bonds VS bond fund

A couple of reasons why I prefer funds to individual bonds (except treasuries). Diversification, liquidity.
by Sidney
Wed Apr 16, 2014 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Individual bonds VS bond fund
Replies: 7
Views: 724

Re: I'm on a mission for more security

I have one bank where most of my transactions occur. ATM card, direct debits, checks, direct deposits. Grand central station.

I make it a habit of keeping a very low balance.
by Sidney
Wed Apr 16, 2014 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: I'm on a mission for more security
Replies: 15
Views: 1563

Re: making your own will or trust

GerryL wrote:If it's no good I will never know because I won't be around to find out.

That's a variation on what I said to my brother when I was trying to convince him to let me do his spinal surgery instead of paying an expensive neurosurgeon.
by Sidney
Wed Apr 16, 2014 12:35 am
 
Forum: Personal Finance (Not Investing)
Topic: making your own will or trust
Replies: 29
Views: 1719

Re: The Case for Dividend Stocks in Retirement (article)

In bear markets I buy stocks. I take my dividends plus what I get from selling bonds and re-balance to equity. I have never understood the "selling stocks in a down market" meme except for people who hold all equity.
by Sidney
Mon Apr 14, 2014 12:22 am
 
Forum: Investing - Theory, News & General
Topic: The Case for Dividend Stocks in Retirement (article)
Replies: 27
Views: 2257

Re: The slackening...

While I don't want my kids to have ti wiggle the coat hanger antenna on the 13 inch B&W TV every 5 minutes like I did growing up, I want them to be able to persevere and withstand some hardship (or inconvenience) too. They still need to learn how to use a paperclip to reset the cable modem when...
by Sidney
Sun Apr 13, 2014 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: The slackening...
Replies: 61
Views: 6584

Re: Making a Will (Young Couple)

With "some money" and a child - I strongly suggest a "simple will" without a lawyer may be a bad idea. I suggest consulting an attorney that specializes In wills and trusts for folks like you and get a firm estimate and commitment of what this will cost and what you get. IMO, mo...
by Sidney
Sat Apr 12, 2014 7:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Making a Will (Young Couple)
Replies: 16
Views: 1286

Re: Carbonite vs Backblaze - an ongoing comp

I just switched from an online cloud backup service to my own. Bought the WD MyCloud. It's a wireless drive that's housed at my house, and gives me cloud access from wherever I am. Just didn't feel comfortable keeping my important stuff on a server goodness knows where. Also, don't have to pay the ...
by Sidney
Wed Apr 09, 2014 9:10 pm
 
Forum: Personal Consumer Issues
Topic: Carbonite vs Backblaze - an ongoing comp
Replies: 26
Views: 1256

Re: Where is the Vanguard 03/31/2014 statement?

Ours appear online monthly so there is a third option. I should look and see if the quarterly statement has all brokerage transaction intra-quarter. If so, I will have them shut off the monthly feed.
by Sidney
Sat Apr 05, 2014 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where is the Vanguard 03/31/2014 statement?
Replies: 32
Views: 2060

Re: How to account for an annuity ?

sscritic wrote:Net worth and portfolio are different words and have different meanings

True. My mind always translates this automatically because I have no idea what my net worth is since I don't mark to market any non-financial assets. Maybe my lawyer does.
by Sidney
Sat Apr 05, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to account for an annuity ?
Replies: 47
Views: 1934

Re: Where is the Vanguard 03/31/2014 statement?

I don't even bother with the quarterly statements. No purpose for us. We simply print the year end statement which contains all activity that year. I wish they would eliminate quarterly statements to save even more costs (I emailed them to express that thought and received a good response)! I haven...
by Sidney
Sat Apr 05, 2014 10:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Where is the Vanguard 03/31/2014 statement?
Replies: 32
Views: 2060

Re: After Tax 401K to Roth IRA - What are the risks?

What are the risks? If the IRS rules someday this is not allowed, what would happen? I suppose they might come back and say that the assets are co-mingled and the amount you moved to a ROTH was really a blend of pre-tax and post tax money that got converted to a ROTH [note, this would mean that som...
by Sidney
Sat Apr 05, 2014 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: After Tax 401K to Roth IRA - What are the risks?
Replies: 4
Views: 353

Re: How to account for an annuity ?

Zero. Can't buy and sell to rebalance it so it has no portfolio role. It is now an income stream.
by Sidney
Sat Apr 05, 2014 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: How to account for an annuity ?
Replies: 47
Views: 1934

Re: Contributing to prior year's Roth

1040X is not a complicated form. You could probably do it yourself for a simple change to AGI. If you qualified for the savers credit you would need to also complete Form 8880 and include it with your amended return.
by Sidney
Sat Apr 05, 2014 1:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Contributing to prior year's Roth
Replies: 23
Views: 1215

Re: HTTPS [Request to implement HTTPS for this site]

Angelus359 wrote:Its like leaving your doors unlocked because nobody has tried to break into your house before.

really, more like using a Master Padlock on the back door because the house is empty.
by Sidney
Fri Apr 04, 2014 9:17 am
 
Forum: Forum Issues and Administration
Topic: HTTPS [Request to implement HTTPS for this site]
Replies: 52
Views: 2677

Re: Two Apartments, One FiOS Account

This is a long shot but might be worth testing. Powerline ethernet with encryption. If the two apartments are not separated by a transformer, powerline might work.
by Sidney
Fri Apr 04, 2014 8:16 am
 
Forum: Personal Consumer Issues
Topic: Two Apartments, One FiOS Account
Replies: 15
Views: 1183

Re: Tax Filing Extension

almost always file for an extension Why? I often get forms late. It is more convenient for me to just file an extension, wait for any corrections. September is a quiet month any way so it is a good time to finish the return. As mentioned above, software is usually fixed by then. Return isn't due un...
by Sidney
Thu Apr 03, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Filing Extension
Replies: 11
Views: 342

Re: Tax Filing Extension

almost always file for an extension
by Sidney
Thu Apr 03, 2014 12:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Filing Extension
Replies: 11
Views: 342

Re: Should I include my pension in my portfolio?

If I left my employer today, I could eat a lot of steak from my lump sum amount but it would probably take a couple months to convert into steak. for DC plans, if the money is relatively fungible and there are taxable funds with which to rebalance, I count the DC money as in the portfolio. If I hav...
by Sidney
Thu Apr 03, 2014 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I include my pension in my portfolio?
Replies: 16
Views: 1449

Re: Should I include my pension in my portfolio?

I don't include anything that can't be converted to a steak dinner in a short time frame (10 business days?).
by Sidney
Thu Apr 03, 2014 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I include my pension in my portfolio?
Replies: 16
Views: 1449

Re: Charities selling or sharing our data?

A lot of the local organizations are staffed by people who know each other pretty well. They know who the donors are in town and they trade information. Usually we use our DAF to donate anonymously.
by Sidney
Tue Apr 01, 2014 5:05 pm
 
Forum: Personal Consumer Issues
Topic: Charities selling or sharing our data?
Replies: 15
Views: 727

Re: Saving on major renovations

Some of our most cost-effective remodeling was done right in the middle of the last recession. Prices were fantastic and we had our pick of the contractors. If you can wait on some of this until the next economic crash, you will get better deals.
by Sidney
Tue Apr 01, 2014 8:18 am
 
Forum: Personal Consumer Issues
Topic: Saving on major renovations
Replies: 33
Views: 2526

Re: Deleted Thread?

I don't know what the criteria are but they go away all the time. No chalk line on the floor. I suspect there are some cases where there are personal attacks/offensive material or other such items in quantities that are beyond the moderators capacity/interest in editing out.
by Sidney
Mon Mar 31, 2014 5:51 pm
 
Forum: Forum Issues and Administration
Topic: Deleted Thread?
Replies: 17
Views: 846

Re: Question about e-filing

How do you know the version they scan off your paper is accurate in their system?

I have absolutely no data but my guess would be that there are more errors with paper returns than there are with e-filed returns.
by Sidney
Sat Mar 29, 2014 5:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about e-filing
Replies: 3
Views: 334

Re: Advantages in tax inefficient funds

Doc wrote:I would be very surprised if tax advantaged accounts made up enough of the market to make any difference.

Given the size of pensions, endowments, foundations etc I woud not be surprised if tax advantaged were larger.
by Sidney
Sat Mar 29, 2014 5:12 pm
 
Forum: Investing - Theory, News & General
Topic: Advantages in tax inefficient funds
Replies: 14
Views: 947

Re: Wade Pfau: retirement income strategies

I think the most important point for the average investor is that this kind of investigation is about how finances work in retirement rather than being sets of plans for what someone would actually do. That has been true since the beginning when the 4% rule, which was a description of the results o...
by Sidney
Fri Mar 28, 2014 11:20 pm
 
Forum: Investing - Theory, News & General
Topic: Wade Pfau: retirement income strategies
Replies: 17
Views: 2077

Re: Donor Advised Funds

We like the ability to give to local activities anonymously. Some of the locals like to give to organization so they get known in town. IMO they aren't really giving, they are buying a newspaper picture. Giving anonymously keeps us off the lists that get passed around among all the local organizatio...
by Sidney
Wed Mar 26, 2014 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Funds
Replies: 56
Views: 2052

Re: Donor Advised Funds

An interesting feature of the Fidelity program is that it allows me to send email gifts to friends and family, in which they are given the ability to donate a specified amount from my account to the charity of their choice. Could you explain this further. I have a Fidelity DAF and never heard of th...
by Sidney
Tue Mar 25, 2014 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Funds
Replies: 56
Views: 2052

Re: Hypothetically living off investment dividends?

Greatness wrote:Averaging a net divvy of between 4.5 - 5.5 combined.

Hard to see how the principal will appreciate then.
by Sidney
Tue Mar 25, 2014 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hypothetically living off investment dividends?
Replies: 34
Views: 3031

Re: How much do you make a year in Dividends?

US stock market is yielding around 1.75% or so -- that should enable you to do the math.
by Sidney
Mon Mar 17, 2014 8:52 pm
 
Forum: Investing - Theory, News & General
Topic: How much do you make a year in Dividends?
Replies: 72
Views: 5736

Re: 2013 tax filing issues

hulio82 wrote:just for my curiosity- since i was witholding a lot, was i penalized? for example- out of the 8K i owe them, is any part of it a fee?

It will be shown on Line 77 if there is an estimated penalty.
by Sidney
Mon Mar 17, 2014 9:03 am
 
Forum: Personal Finance (Not Investing)
Topic: 2013 tax filing issues
Replies: 33
Views: 1007

Re: William Bernstein-When you've won the game, why keep pla

There is not 'free lunch' but there is a much smarter lunch. You don't spend the same amount every year. I don't care who you are. Some years you buy cars. Remodel the house etc. You should have a plan to spend less in a bear market. It's the reverse of buying low and selling high. Actually, we spe...
by Sidney
Mon Mar 17, 2014 9:00 am
 
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 241
Views: 25073

Re: What "annual" retirement income are you hoping to achiev

Trying to keep my income before Roth conversion as low as possible.
by Sidney
Mon Mar 17, 2014 8:39 am
 
Forum: Personal Finance (Not Investing)
Topic: What "annual" retirement income are you hoping to achieve?
Replies: 70
Views: 4166

Re: William Bernstein-When you've won the game, why keep pla

Cut-Throat wrote:I'm amused when I see withdrawal rates of 2.5% on these forums. They've already decided to take a 40% drop from 4% and the market has not even dropped yet!

Or they have so much money (and/or other income) and nothing useful to spend it on.
by Sidney
Sun Mar 16, 2014 11:51 am
 
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 241
Views: 25073

Re: What is your 2013 Federal Effective Tax Rate?

There isn't a category for "I'll know in September when I file".
by Sidney
Thu Mar 13, 2014 8:07 am
 
Forum: Personal Finance (Not Investing)
Topic: What is your 2013 Federal Effective Tax Rate?
Replies: 73
Views: 4724

Re: Est. medical costs early retirement.

$30,000 might be high for a couple, but $20,000 is probably not. So you're in the ballpark more or less. Right. I budget $1,000 per month for two. But we have retiree medical so the company subsidy probably pushes us close to $20K unsubsidized. As mentioned above, you need to include an allowance f...
by Sidney
Mon Mar 10, 2014 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Est. medical costs early retirement.
Replies: 9
Views: 630

Re: Backing up Microsoft Outlook 2010 on local machine

Which email service are you using. I don't know much about Outlook but with Thunderbird, I can tweak the settings on Yahoo (POP) and Gmail (IMAP) accounts such that the email is not deleted from the server until I delete them in T-Bird.
by Sidney
Mon Mar 10, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: Backing up Microsoft Outlook 2010 on local machine
Replies: 9
Views: 387

Re: Android / iPhone app

This may have been discussed a while back. I know there was a thread on tapatalk and if I recall correctly, their is no movement to develop any special app or support tapatalk. I suspect that the admins and mods, who are all volunteers, have their hands full with the work they already do to support ...
by Sidney
Mon Mar 10, 2014 12:37 am
 
Forum: Forum Issues and Administration
Topic: Android / iPhone app
Replies: 7
Views: 797

Re: Safest Way to Send Money to IRS?

EFTPS is free.
by Sidney
Sat Mar 08, 2014 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safest Way to Send Money to IRS?
Replies: 35
Views: 1588

Re: Managing physical checks after mobile deposit

I just scan them, upload to USAA and then mark them void when the check clears. I don't get that many so they don't take up room in my desk drawer.
by Sidney
Fri Mar 07, 2014 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Managing physical checks after mobile deposit
Replies: 7
Views: 620

Re: Divs & Cap Gains - killing me at taxes

I thought I read on another thread that dividends are a free lunch?
by Sidney
Fri Mar 07, 2014 6:29 pm
 
Forum: Investing - Theory, News & General
Topic: Divs & Cap Gains - killing me at taxes
Replies: 8
Views: 867
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