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Article: bonds pensions SS

A New Perspective on Your Portfolio

Don't overlook your house and Social Security in assessing your asset mix.

http://online.wsj.com/articles/new-take ... 1403470472
by communipaw
Mon Jun 23, 2014 7:26 pm
 
Forum: Investing - Theory, News & General
Topic: Article: bonds pensions SS
Replies: 49
Views: 3211

WSJ story on IRA rollovers

pdated May 9, 2014 6:19 p.m. ET http://online.wsj.com/news/articles/SB10001424052702304655304579551831669048814?mg=reno64-wsj A veteran tax lawyer argued his own case in U.S. Tax Court about an individual-retirement-account maneuver that long had been blessed by the Internal Revenue Service. He lost...
by communipaw
Sat May 10, 2014 9:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: WSJ story on IRA rollovers
Replies: 11
Views: 1458

Rent vs buy again ... but with a twist

[I'm leaving out emotional, non-financial reasons that impel people to rent or to buy]. Over and over there are articles on the advantages of renting vs buying, usually in regard to money. For example, today's WSJ on page B7 has in big letters "3.6% increase in house prices in the last 30 years...
by communipaw
Sat May 03, 2014 7:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rent vs buy again ... but with a twist
Replies: 10
Views: 1520

Re: Moving SEP IRA from American to Vanguard

I plan on opening a new Vanguard SEP account for the American Fund SEP or else merging it into my current Vanguard SEP fund account.
by communipaw
Wed Apr 02, 2014 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving SEP IRA from American to Vanguard
Replies: 2
Views: 261

Moving SEP IRA from American to Vanguard

I have one SEP with Vanguard and another one in an American Funds mutual fund; to simplify things, I intend to move the one in American Funds to Vanguard after my 2014 RMDs are taken care of. I'm looking for the simplest non tax event way to do it. It looks like the simple way is not to roll the SEP...
by communipaw
Tue Apr 01, 2014 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving SEP IRA from American to Vanguard
Replies: 2
Views: 261

Re: Replacement for Windows XP Cuters are preloaded omputer

I.ve noticed this with Microcenter but probably many other dealers/manufacturers do it The computers are preloaded with Windows 7 but have the right to install Windows 8 whenever you want to. For example http://www.microcenter.com/product/423411/B648_Desktop_Computer "This system is preinstalle...
by communipaw
Sat Mar 29, 2014 9:23 pm
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 4985

Re: Donating appreciated stock to charity

I'm sorry to hear that donating bonds is impractical; glad to hear that it isn't too hard to donate appreciated stock in a DRIP. Thanks to all for your responses.
by communipaw
Mon Mar 24, 2014 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Donating appreciated stock to charity
Replies: 7
Views: 560

Donating appreciated stock to charity

I have several DRIPs that I've accumulated over the years and which I'd like to donate to a charity. Do you just somehow sign over a DRIP to the charity or do you have to figure out the cost basis and do something more? And can you donate a fully matured US savings bond, E or EE, that has stopped ac...
by communipaw
Fri Mar 21, 2014 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Donating appreciated stock to charity
Replies: 7
Views: 560

Savings category in Quicken

I use Quicken [right now Quicken 2013] and once a month I transfer any "leftover" money from my checking account to my savings account . I use quicken's "transfer" function which replaces the usual "Category" on the entry, so the transfer doesn't get categorized as savi...
by communipaw
Thu Mar 13, 2014 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings category in Quicken
Replies: 10
Views: 1001

Re: TSP on Vanguard's Linked Account Page

Laura » Mon Jan 06, 2014 8:11 pm I have my TSP linked so it shows and updates on the Vanguard page. What is doesn't do it maintain an accurate asset allocation. I have everything labeled properly but it still shows as "other" in my asset classes which totally throws me off. That is my sit...
by communipaw
Mon Jan 06, 2014 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP on Vanguard's Linked Account Page
Replies: 9
Views: 708

Re: TSP on Vanguard's Linked Account Page

On my page Outside investments—Linked online accounts appears below the Vanguard's funds and above Outside investments—Added accounts. Outside investments—Linked online accounts updates the TSP values each day.
by communipaw
Mon Jan 06, 2014 8:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP on Vanguard's Linked Account Page
Replies: 9
Views: 708

Re: TSP on Vanguard's Linked Account Page

When I spoke to Vanguard today I also suggested closer cooperation with the TSP data. I was told that Vanguard used Cashedge for the IT work and did not have enough clout with them [which sounded strange] to be more effective with TSP. I was told that Vanguard has tried to get Cashedge to interface ...
by communipaw
Mon Jan 06, 2014 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP on Vanguard's Linked Account Page
Replies: 9
Views: 708

TSP on Vanguard's Linked Account Page

I had the TSP set up on the linked accounts section of Vanguard's "Balances and Holdings" but a few months ago, although the TSP refreshed, I stopped seeing it as a component of my Asset Mix on the Home Page. Vanguard told me today that likely the TSP had changed something in connection wi...
by communipaw
Mon Jan 06, 2014 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP on Vanguard's Linked Account Page
Replies: 9
Views: 708

Re: Federal Retirees: Why Medicare?

​I'm a federal retiree, retired the beginning of 2009 at 67, and have FEHBP BC/BS and Medicare A and B. Since I'd paid into Medicare A all my working career, I took it [it isn't free, just prepaid;] BC/BS strongly suggested I get Medicare B [which I realized at the time was to BC/BS' advantage] but ...
by communipaw
Mon Nov 11, 2013 9:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Retirees: Why Medicare?
Replies: 58
Views: 6069

Re: 2013/2014 Honda accord - any better values?

I bought a 6 cylinder Accord in June, after determining it was a good value for my purposes. Maybe there are cars that are a better value but I've been very happy with this one. The 6 cylinder is especially good for accelerating quietly and easily from 15 mph to 30mph, which I have to do often durin...
by communipaw
Sun Oct 27, 2013 9:08 pm
 
Forum: Personal Consumer Issues
Topic: 2013/2014 Honda accord - any better values?
Replies: 66
Views: 13954

Re: Condominium fee category Quicken

In my case there no longer is a mortgage but since my hot water is included, theoretically I could split that off. I doubt I'd be able to figure out easily what percentage [very very small] of the fee is for hot water.
by communipaw
Fri Oct 25, 2013 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Condominium fee category Quicken
Replies: 4
Views: 412

Condominium fee category Quicken

In Quicken I've been categorizing my condominium fee expense as Home Repair: Condominium fee.
What quicken expense category do others use?
Utility: Condominum fee?
Just "Condominium fee"?
by communipaw
Tue Oct 22, 2013 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Condominium fee category Quicken
Replies: 4
Views: 412

Re: Day trip from San Francisco to Lake Tahoe

At one point there were very low cost casino busses that ran to the casinos from San Francisco [and gave you a coupon for a lunch]
by communipaw
Sun Sep 15, 2013 9:07 pm
 
Forum: Personal Consumer Issues
Topic: Day trip from San Francisco to Lake Tahoe
Replies: 30
Views: 1530

Penfed Visa Fee

The monthly bill for my Penfed Platinum Visa credit card. If I don't agree to change to electronic statements, they'll charge $1 @ month for statements received by US mail.
by communipaw
Thu Jul 25, 2013 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Penfed Visa Fee
Replies: 2
Views: 283

a different way of looking at investing for retirement

an article appearing today in a website aimed at Federal employees:

http://www.myfederalretirement.com/public/1181.cfm
by communipaw
Fri Jul 12, 2013 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: a different way of looking at investing for retirement
Replies: 27
Views: 3034

Re: Dropping cable but a potential problem with VCR

I'd like to thank all for their responses. I'm going ahead next week with cancelling the television cable; then I'll see how much I really want to record off the air and learn if it's important enough to do the effort for any of things you've suggested. Television used to be such a simple world, by ...
by communipaw
Mon Jul 08, 2013 7:17 pm
 
Forum: Personal Consumer Issues
Topic: Dropping cable but a potential problem with VCR
Replies: 17
Views: 1735

Re: Dropping cable but a potential problem with VCR

Is there a particular reason you want a VCR instead of a DVR? There are several DVR options with built-in digital tuners. As far as I can tell, DVRs including TIVO, require a subscription, the reason I'm dropping cable.. If DVR/TIVO costs at the rate of Netflix [$8-9 @ month] maybe, but aren't the ...
by communipaw
Sat Jul 06, 2013 10:53 pm
 
Forum: Personal Consumer Issues
Topic: Dropping cable but a potential problem with VCR
Replies: 17
Views: 1735

Dropping cable but a potential problem with VCR

I'm about to cut off my cable television service and use my over the air antenna for the local 20-25 stations plus Netflix for my television. I've been experimenting, am content with the experience but one problem has arisen which I've been unable to solve. Now over the air signals come from my apar...
by communipaw
Sat Jul 06, 2013 9:52 pm
 
Forum: Personal Consumer Issues
Topic: Dropping cable but a potential problem with VCR
Replies: 17
Views: 1735

Transferring to the new version of Quicken

Tomorrow I am getting the current version of Quicken to replace my 2005 edition of Quicken. When I began using Quicken in the 1990s, I made a mistake in creating some Quicken accounts, didn't know how to correct the mistake when I upgraded Quicken before 2005 but hope now to rectify that mistake. 90...
by communipaw
Mon May 06, 2013 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transferring to the new version of Quicken
Replies: 1
Views: 224

Re: I realize we're not supposede to market time

WEEKEND INVESTOR April 19, 2013, 4:59 p.m. ET

One Way to Time the Market
by communipaw
Sat Apr 20, 2013 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: I realize we're not supposed to market time
Replies: 17
Views: 2039

I realize we're not supposed to market time

but maybe this article from today's WSJ will be of interest to some:

http://online.wsj.com/article/SB1000142 ... dfinance_4
by communipaw
Sat Apr 20, 2013 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: I realize we're not supposed to market time
Replies: 17
Views: 2039

RMD to charity

Apparently you can have Vanguard send all/part of your RMD to a charity you choose.
Except for convenience , is there any advantage to this instead of just getting the RMD and giving all/part of it to the charity in the same tax year?
by communipaw
Mon Apr 08, 2013 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD to charity
Replies: 6
Views: 415

Shredding docs at public places

I was always far behind in shredding my bank, vanguard etc. statements; my shredder broke a month ago and I'm even further behind. Knowing myself, getting a new shredder doesn't mean I'm going to industriously get rid of the back load in one session. Office Depot and Staples offer reasonably priced ...
by communipaw
Sun Apr 07, 2013 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Shredding docs at public places
Replies: 18
Views: 2689

When to take a RMD

Am I missing something in the scheduling of RMDs? Hypothetical Example: On Dec 31, 2012 the total of all my IRAs subject to RMD was $100,000 and to meet IRS requirements I must take out $5000 during 2013. All the IRA money is in two funds: Total Stock Market and Total Bond Market. To get the RMD are...
by communipaw
Wed Apr 03, 2013 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to take a RMD
Replies: 3
Views: 367

Re: Continuous Variable Transmissions

. I'm fairly certain the feds have mandated that all cars have them [parking cameras] soon. 1. I believe you are right 2. I test drove a Camry V6 which had a parking camera. I was impressed that in parallel parking I could get to less than an inch of the car behind me without touching it and then c...
by communipaw
Fri Mar 22, 2013 5:45 pm
 
Forum: Personal Consumer Issues
Topic: Continuous Variable Transmissions
Replies: 78
Views: 5936

Re: Continuous Variable Transmissions

In the papers today: http://wheels.blogs.nytimes.com/2013/03/19/settlement-of-class-action-against-audi-gets-preliminary-approval/?nl=automobiles&emc=edit_ws_20130319 A federal judge has given preliminary approval to settling a class-action suit over transmission problems on about 64,000 of Audi...
by communipaw
Tue Mar 19, 2013 9:36 pm
 
Forum: Personal Consumer Issues
Topic: Continuous Variable Transmissions
Replies: 78
Views: 5936

[WSJ article: Safety of assets held in custody]

http://online.wsj.com/article/SB1000142 ... dfinance_0

WSJ article on a danger I hadn't thought of: keeping everything at one firm, [ such as Vanguard].
by communipaw
Sun Mar 17, 2013 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: [WSJ article: Safety of assets held in custody]
Replies: 8
Views: 848

Re: RMDs for TSP

I'm not sure what your goal is, but if it is getting one payment for RMD In December, then you could do fixed monthly payments of whatever the minimum amount. Then in dec the will send you a suplemental check to make up the diff. I called TSP back today, described what you said and I was told this ...
by communipaw
Wed Mar 13, 2013 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMDs for TSP
Replies: 3
Views: 490

RMDs for TSP

I became 70½ in February and am subject now to RMDs. Vanguard sent me a reminder for my Traditional IRA and it appears that I can receive the RMD as a single lump sum, which I plan to do towards the end of 2013. [I do not need the money from the RMD right now.] I expected an announcement/reminder fr...
by communipaw
Tue Mar 12, 2013 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMDs for TSP
Replies: 3
Views: 490

Re: New car: I'm about to replace my 2003 Accord V6.

I thank you all for your comments . Yes, the 2013 Accord is shorter than the 2012 Accord but it still is about an inch longer than my 2003 Accord. Overall length is of concern to me for finding curb parking not for maneuvering. The maneuvering comes into play in the many garages with steep windy ram...
by communipaw
Wed Feb 13, 2013 9:54 pm
 
Forum: Personal Consumer Issues
Topic: New car: I'm about to replace my 2003 Accord V6.
Replies: 66
Views: 8688

New car: I'm about to replace my 2003 Accord V6.

I'm about to replace my 2003 Accord V6. As most people, my main criteria are reliability and overall economy, not just gas mileage. My specific criteria are GREAT air conditioning and quietness. Why not just get another Accord V6? My current one is fine except for it's size and close quarter maneuve...
by communipaw
Tue Feb 12, 2013 10:54 pm
 
Forum: Personal Consumer Issues
Topic: New car: I'm about to replace my 2003 Accord V6.
Replies: 66
Views: 8688

TSP's G Fund and Fiscal Disputes

As has happened before, The TSP's G Fund may be utilized in funding difficulties:
http://www.washingtonpost.com/blogs/fed ... d-default/
by communipaw
Tue Jan 08, 2013 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: TSP's G Fund and Fiscal Disputes
Replies: 3
Views: 380

Re: What Book Are You Currently Reading? Part V

Not Taco Bell Material [Adam Corolla] - a very bad family life and youth that he basically has overcome. Well written, funny --- but sad.
by communipaw
Tue Oct 23, 2012 10:54 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3098
Views: 995603

Suntrust/Vanguard Problem

I've linked my Suntrust bank account to my Vanguard home page of accounts under "outside Investments""; it has updated correctly daily for 8-10 years. Last Monday the updating stopped and I could see a growing difference between what appeared on the Vanguard page and what was on the ...
by communipaw
Fri Oct 19, 2012 3:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suntrust/Vanguard Problem
Replies: 1
Views: 280

Re: Percentage paid in taxes Or Income tax bracket

I notice that when I use Turbotax, the final summary sheet always shows "effective tax rate" -- but I've never seen an explanation of how that figure is determined,
by communipaw
Sat Aug 18, 2012 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Percentage paid in taxes Or Income tax bracket
Replies: 14
Views: 1209

Said to be a source of better interest

I saw an ad for this today but have bot looked at it closely: duke energy premier notes

http://www.duke-energy.com/investors/in ... stions.asp
by communipaw
Thu Jun 14, 2012 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Said to be a source of better interest
Replies: 11
Views: 2824

Re: Anyone already received paper I-Bonds from Tax Refund?

I received the cash part of the refund electronically about 5-6 days after filing and the I bonds came in the mail about 15 days after filing.
by communipaw
Mon Apr 09, 2012 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone already received paper I-Bonds from Tax Refund?
Replies: 46
Views: 3440

Re: [POLL] How many miles on your car?

2003 Honda Accord / 96,000 miles
by communipaw
Fri Mar 30, 2012 11:03 pm
 
Forum: Personal Consumer Issues
Topic: [POLL] How many miles on your car?
Replies: 141
Views: 6418

Re: I'm about to buy a new car and think I may have a blind

I'd like to thank all for your suggestions. I always test drive cars before buying but because of the comments about 4 cylinder engines being improved since my 1993 Civic, I'm checking to see if I can rent a Corolla or other 4 cylinder for a weekend. I do use consumer reports for reliability and som...
by communipaw
Sun Jan 08, 2012 10:23 pm
 
Forum: Personal Consumer Issues
Topic: I'm about to buy a new car and think I may have a blind spot
Replies: 19
Views: 1510

I'm about to buy a new car and think I may have a blind spot

I'm about to buy a new car and think I may have a blind spot in selecting the new one. For 10 years I drove a Civic and was happy with it with 2 exceptions. Mediocre air conditioning and very poor pick up when merging from 20 mph to 50-60 mph traffic that I had to do every day. I replaced the Civic ...
by communipaw
Sat Jan 07, 2012 5:20 pm
 
Forum: Personal Consumer Issues
Topic: I'm about to buy a new car and think I may have a blind spot
Replies: 19
Views: 1510

Pessimistiv view on TIPS

You can hardly turn over an investing advice newsletter without finding a recommendation to buy TIPS, or Treasury inflation-protected securities, to preserve the purchasing power of your dollar-denominated savings..... http://online.wsj.com/article/SB10001424052748703712504576244560197467054.html?mo...
by communipaw
Thu Apr 07, 2011 10:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pessimistiv view on TIPS
Replies: 19
Views: 2788

I did have the VC contributions rolled over into a ROTH IRA and the VC interest rolled into the TSP. Both had the final paperwork done within 2 months of retiring..
by communipaw
Sun Feb 13, 2011 8:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rollover OPM's VC Plan to Vanguard
Replies: 2
Views: 887

Is anyone of you using Roku with an analog [tube] television [ I haven't yet switched to a digital set] or is that impossible?
by communipaw
Fri Feb 04, 2011 9:14 pm
 
Forum: Personal Consumer Issues
Topic: Roku Anyone?
Replies: 56
Views: 7380
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