Search found 575 matches

by billjohnson
Wed Jul 22, 2015 7:42 pm
Forum: Personal Consumer Issues
Topic: Best Book for Beginning Auto Maintenance
Replies: 15
Views: 1343

Re: Best Book for Beginning Auto Maintenance

As BlueFin suggested, it's a website you need. Plenty of how-tos that will walk you through most repairs…and of course, can ask questions on the forum as needed. http://www.tacomaforum.com/forums/1995-2004-toyota-tacoma.7/ https://www.tacomaworld.com/forums/1st-gen-tacomas-1995-2004.4/ Also, quite a...
by billjohnson
Tue Jun 09, 2015 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Business Auto Deductions (Tax Question)
Replies: 2
Views: 290

Re: Business Auto Deductions (Tax Question)

Perhaps a trial run through TT would answer your question. Thanks for the reply. I've found that if I grind through my tax issues by hand, I not only eventually get the answer, but my understanding of the subject is greatly increased. I sometimes then double check with TurboTax, etc. for peace of m...
by billjohnson
Tue Jun 09, 2015 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Business Auto Deductions (Tax Question)
Replies: 2
Views: 290

Business Auto Deductions (Tax Question)

I have a question about deducting business auto, and was hoping some of the experts would chime in. Short version : Am I able to use both standard mileage method and actual cost method on different vehicles during the same calendar year? Longer version : I have always used "standard mileage met...
by billjohnson
Sun Mar 08, 2015 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Which one & Where to buy Mattress
Replies: 6
Views: 849

Re: Which one & Where to buy Mattress

Help appreciated! T&N gets quite a few good reviews, and at a reasonable price. I think if you mention Mattress Underground...you get an additional 6% discount?? Good luck. https://www.tuftandneedle.com It has to be low profile as she may fall from the bed. T&N has a five. http://www.amazon...
by billjohnson
Tue Jan 20, 2015 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Form 8829 Question.
Replies: 3
Views: 340

Re: Form 8829 Question.

Here is what it says on the top of form 8829: File only with Schedule C (Form 1040). Use a separate Form 8829 for each home you used for business during the year. Thanks, I read that as well. From my google searching, it seems like most are saying one schedule C, one 8829, with the multiple 8829s b...
by billjohnson
Tue Jan 20, 2015 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Form 8829 Question.
Replies: 3
Views: 340

Form 8829 Question.

If I may, one more quick question. I moved right in the middle of the year. I had a home office in the original location, and then again in the new location. Each home office had different area percentages and expenses. Do I need to fill out two separate 8829s or can I simply "merge" the n...
by billjohnson
Tue Jan 20, 2015 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Very Basic Tax Return Question
Replies: 3
Views: 593

Re: Very Basic Tax Return Question

Just use the first taxpayer's SSN on all the schedules that apply to both spouses. But both names go on these Forms as in "Joe Taxpayer & Jane Taxpayer". This is what tax software does. Are you using tax software? Thank you livesoft. I am filling out the return by hand, then plan to c...
by billjohnson
Tue Jan 20, 2015 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Very Basic Tax Return Question
Replies: 3
Views: 593

Very Basic Tax Return Question

I'm in the process of filling out my first joint return, and have quite a "dumb" question ... but still can't find the answer anywhere online. And the IRS is currently not accepting calls. Question: Do I need to include both names and social security numbers on all the schedules (B, C, D, ...
by billjohnson
Fri Jan 09, 2015 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account (HSA) Question
Replies: 8
Views: 1121

Re: Health Savings Account (HSA) Question

The married couple, under one plan, may both open HSAs, and their family contribution limit may be split between them however they like. With one exception: If one of them is eligible for catch-up contributions, that money must go into their own HSA, and they can't share that eligibility with their...
by billjohnson
Fri Jan 09, 2015 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account (HSA) Question
Replies: 8
Views: 1121

Re: Health Savings Account (HSA) Question

Thanks for the great replies! Now off to study IRS Publication 969. And thanks again for the help; it is much appreciated. :beer
by billjohnson
Fri Jan 09, 2015 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account (HSA) Question
Replies: 8
Views: 1121

Health Savings Account (HSA) Question

In 2014, my wife and I opened a HDHP family plan with blue cross/blue shield. I then opened an HSA and contributed $6550 to it. My questions: (1) Is my contribution total correct, or are we supposed to open individual HSAs and contribute as individuals? (2) Can a married couple on a HDHP family plan...
by billjohnson
Thu Oct 09, 2014 3:28 pm
Forum: Investing - Theory, News & General
Topic: It's a good day to be Heavy in Bonds ---- 10-09-2014.......
Replies: 13
Views: 1814

Re: It's a good day to be Heavy in Bonds ---- 10-09-2014....

BahamaMan wrote:It's a good day to be in heavy in Bonds --- 10-7-2014....

BahamaMan wrote:It's a good day to be in Stocks - 10-08-2014.........

BahamaMan wrote:It's a good day to be Heavy in Bonds ---- 10-09-2014.......

And tomorrow would be a good day to stop posting these worthless threads.
by billjohnson
Fri Sep 26, 2014 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Insurance Agent / Annuity Question??
Replies: 5
Views: 604

Re: Insurance Agent / Annuity Question??

What type of fixed annuity? Not really sure. Qualified fixed rate annuity is the best my dad could do. I'll be visiting next month, so will be able to look at the paperwork then... What was the purpose of buying the fixed annuity in the first place? There was no purpose. Another option is to annuit...
by billjohnson
Fri Sep 26, 2014 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Insurance Agent / Annuity Question??
Replies: 5
Views: 604

Re: Fixed Annuity Question??

Unless your father has anticipated estate tax issues, I find it difficult to understand how a life insurance policy is going to help with taxes on RMDs from a qualified annuity. I don't understand either. It was my understanding that you could 1035 tax-free transfer annuity>annuity, or life insuran...
by billjohnson
Fri Sep 26, 2014 2:16 am
Forum: Investing - Help with Personal Investments
Topic: Insurance Agent / Annuity Question??
Replies: 5
Views: 604

Insurance Agent / Annuity Question??

My dad (69 1/2) has had a fixed annuity for quite some time. His insurance rep visited him today, and explained he would have to start taking distributions on the amount once he reached 70 1/2. Best I can understand, she suggested (as a way to save on taxes) he should use the annuity money to cover ...
by billjohnson
Tue Jul 22, 2014 11:15 pm
Forum: Investing - Theory, News & General
Topic: If Argentina Defaults
Replies: 21
Views: 2259

Re: If Argentina Defaults

ducksauce9 wrote:Would it be a good time to buy Argentine stocks?

No
ducksauce9 wrote:Would it be a good time to convert some dollars into Argentine pesos?

No
by billjohnson
Sat Jul 19, 2014 10:01 pm
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 67
Views: 8086

Re: Memory foam mattresses - any insight?

Best mattress forum on the web. Phoenix is the man...

http://themattressunderground.com/mattress-forum.html
by billjohnson
Sun Jun 29, 2014 4:23 pm
Forum: Investing - Theory, News & General
Topic: How Would Mr. Bogle Calculate Expected REIT Returns?
Replies: 120
Views: 17983

Re: How Would Mr. Bogle Calculate Expected REIT Returns?

Well, despite all the calculations to the contrary, the REIT train is still rolling. Vanguard REIT Index up 17.90% YTD.
by billjohnson
Wed Jun 25, 2014 11:00 am
Forum: Personal Consumer Issues
Topic: Fed up with ATT
Replies: 66
Views: 6807

Re: Fed up with ATT

Crimsontide wrote:Cut the cord.

+1
by billjohnson
Wed Jun 18, 2014 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: 2010 Amended Return Help (8606 issue)
Replies: 2
Views: 260

Re: 2010 Amended Return Help (8606 issue)

Thanks for your help.
by billjohnson
Sat Jun 14, 2014 2:52 pm
Forum: Personal Consumer Issues
Topic: Recommend a 1 month trip abroad.
Replies: 37
Views: 4793

Re: Recommend a 1 month trip abroad.

New Zealand (although I'd rather go in warmer months Nov-March). Agreed. I concur! New Zealand is my favorite place on earth I would spend an entire month touring the South Island of New Zealand. BEAUTIFUL! NZealand is awesome (south island), but I would definitely check the weather if considering ...
by billjohnson
Sat Jun 14, 2014 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Geico? No, thank you...
Replies: 49
Views: 6252

Re: Geico? No, thank you...

Geico does have pretty strict underwriting. Would you expect anything less from Uncle Warren? It does make for a pool of good drivers, and hence, better rates for those who are deemed low risk. Good luck with commerce though. You may need it... http://www.yelp.com/biz/commerce-insurance-company-webs...
by billjohnson
Fri Jun 13, 2014 6:04 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring - Diamond Help
Replies: 61
Views: 5123

Re: Engagement Ring - Diamond Help

e5116 wrote:I personally would not get a non-GIA or AGS diamond UNLESS I was able to bring it to a trusted independent gemologist to evaluate.

This. And get an ASET.

http://www.americangemsociety.org/aset- ... f-diamonds
by billjohnson
Fri Jun 13, 2014 3:11 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring - Diamond Help
Replies: 61
Views: 5123

Re: Engagement Ring - Diamond Help

I am planning on popping the question. There's some bad advice on this thread. Do yourself a favor. Copy your original post and head over to pricescope. Will get much better advice there. As I'm sure Gypsy and some of the ladies will post links to actual cushion stones for your viewing. Keep in min...
by billjohnson
Wed Jun 11, 2014 4:50 pm
Forum: Personal Consumer Issues
Topic: Should I buy the most expensive house in the neighborhood?
Replies: 39
Views: 4679

Re: Should I buy the most expensive house in the neighborhoo

Asking price is 600k. The current owners bought the house for 380k two years ago and have not made any major additions. The house has a old and small kitchen and some dated bathrooms. We estimate that we will need to spend 50k to 80k to fix these. The house is not in the nicest neighborhood. Houses...
by billjohnson
Tue May 27, 2014 3:29 pm
Forum: Personal Consumer Issues
Topic: Austin, TX Things To Do?
Replies: 8
Views: 805

Re: Austin, TX Things To Do?

Luke Duke wrote:Eat some BBQ.

Coming down to Texas....gotta have some brisket!
http://www.youtube.com/watch?v=VmTzdMHu5KU
by billjohnson
Mon Apr 21, 2014 9:30 pm
Forum: Personal Consumer Issues
Topic: Good scotch recommendations, where to buy
Replies: 55
Views: 10181

Re: Good scotch recommendations, where to buy

Laphroaig Quarter Cask
Ardbeg Uigeadail
Macallan 18
by billjohnson
Fri Apr 11, 2014 1:30 am
Forum: Investing - Help with Personal Investments
Topic: Looking To Park $250K Short Term In Savings Account
Replies: 5
Views: 1045

Re: Looking To Park $250K Short Term In Savings Account

We use CapOne 360 (formerly ING Orange). Very good web interface. Think the checking account is currently offering .80% with a $50 sign on bonus.
by billjohnson
Fri Mar 14, 2014 10:21 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri's estimated future returns
Replies: 8
Views: 2335

Re: Rick Ferri's estimated future returns

This forecast always attempts to err on the conservative side. I think Rick is VERY optimistic on US common equity. This isn't the end all by any means, but to give a different perspective, check out this article...in particular, the chart on page 3. [As a reference, the current Shiller PE is 25.47...
by billjohnson
Fri Mar 14, 2014 7:27 pm
Forum: Personal Consumer Issues
Topic: Recommended Brand/Model for a Heart Rate Monitor?
Replies: 13
Views: 1133

Re: Recommended Brand/Model for a Heart Rate Monitor?

Garmin for me. I still have an older version....best heart rate monitor ever invented in my opinion. This thing is now 7ish years old...same batteries, etc...and runs like brand new. Unfortunately, this one has been discontinued, but there are new versions available for purchase. https://static.garm...
by billjohnson
Fri Mar 14, 2014 6:49 pm
Forum: Investing - Theory, News & General
Topic: Random Walk Down Wall Street
Replies: 27
Views: 2666

Re: Random Walk Down Wall Street

llessac15 wrote:'A Random Walk Down Wall Street'

Great Book!! I usually re-read it every two or three years...
by billjohnson
Wed Mar 12, 2014 12:24 am
Forum: Investing - Theory, News & General
Topic: A Beginner's Guide to Irrational Behavior
Replies: 1
Views: 568

A Beginner's Guide to Irrational Behavior

Interested in behavioral economics? Then you should know a very fun course started today on Coursera. Dan Ariely (from Duke University) is the online instructor. This course is one of the most popular online courses in the entire coursera catalog. So if you have some free time, I highly recommend it...
by billjohnson
Tue Mar 11, 2014 11:54 pm
Forum: Investing - Theory, News & General
Topic: modern financial theory has finally caught up with Buffett
Replies: 48
Views: 7679

Re: modern financial theory has finally caught up with Buffe

While I have the greatest respect for Saint Jack, the fact that he says it cannot work (as opposed to it might not work), is as wrong as his statements about value not outperforming growth and his statement about you don't need international diversification. FWIW, the smartest people I know in fina...
by billjohnson
Tue Mar 11, 2014 7:35 pm
Forum: Investing - Theory, News & General
Topic: modern financial theory has finally caught up with Buffett
Replies: 48
Views: 7679

Re: modern financial theory has finally caught up with Buffe

It's all about FACTOR investing... Larry, would you kindly respond to Mr Bogle's thoughts on factor investing. Thanks. It (smart beta) is a marketing gimmick. When you think it through, it can not work, it will not work. There will be winners and losers, but the winner, ultimately, is wall street&q...
by billjohnson
Tue Mar 11, 2014 1:24 pm
Forum: Investing - Theory, News & General
Topic: Total Market Investors Are Not Dumb
Replies: 11
Views: 2416

Re: Total Market Investors Are Not Dumb

Is so-called "Smart Beta" stealing returns from your dumb beta strategy? No. You're not losing one penny. When excess returns are earned by one active investor they must come from another active investor who loses. Bingo. As I said in another thread, funny how smart beta is always held in...
by billjohnson
Tue Mar 11, 2014 11:05 am
Forum: Investing - Theory, News & General
Topic: modern financial theory has finally caught up with Buffett
Replies: 48
Views: 7679

Re: modern financial theory has finally caught up with Buffe

Funny how smart beta is always held in such high esteem by the people who profit from selling it. Don't believe me, maybe you will believe this guy... http://video.autoblog.com/bogle-skeptical-of-credit-sensitive-bonds-smart-beta-517987113 It (smart beta) is a marketing gimmick. When you think it th...
by billjohnson
Tue Mar 11, 2014 2:16 am
Forum: Investing - Theory, News & General
Topic: modern financial theory has finally caught up with Buffett
Replies: 48
Views: 7679

Re: modern financial theory has finally caught up with Buffe

What the authors here showed is nothing more than what academics have always done. They look at outperformance and try to find the explanation for it. Exactly, just more academics TRYING to explain how someone did something that they couldn't/can't do. In my opinion, this entire line of thinking is...

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