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Re: Did you learn anything from 2008?

I learned to trust my common sense and pay attention to specific financial/economist public figures who most accurately analyzed circumstances before, during, and since.
by gd
Tue Mar 31, 2015 6:25 am
 
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 51
Views: 2638

Quicken 2015 fails to update euro rate

I have Quicken 2015 accounts in dollars and euros. When I first started using it, I believe Quicken 2015 was updating the euro-dollar exchange rate, but it does not now. Other currencies are updated. So for example I can manually edit both euro:dollar and any other currency:dollar to 1:1, update, an...
by gd
Sat Mar 28, 2015 7:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 fails to update euro rate
Replies: 0
Views: 107

Re: What Book Are You Currently Reading? Part VI

E.O. Wilson's Life On Earth intro biology textbook done as an iPad app, thanks to whoever mentioned it on the "reading textbooks" thread. It's a masterpiece, and the first textbook I've seen in decades that didn't infuriate me with overproduced bloviating. And free. Anyone who considers th...
by gd
Fri Mar 27, 2015 8:09 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 579
Views: 80075

Re: Vanguard HealthCare Fund

What's not to like? LTCG. Bought it taxable decades ago before I cared much, and it blows out my low-cash-flow-low-tax-bracket planning every year. It's a good problem to have, but a problem. To me, "sector" means mostly an investment area that ebbs and flows with economic conditions. The...
by gd
Wed Mar 25, 2015 7:29 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 61
Views: 5252

Re: Buying a house that had a Dog

I've lived in >20 places in my life, mostly rentals, and I will say flatly I have *never* lived somewhere there was not visible damage from pets, other than newish rentals that banned pets since new. Scratched and chewed doors and windowsills, floors, stained floors, rugs, smells, whatever. This is ...
by gd
Mon Mar 23, 2015 6:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a house that had a Dog
Replies: 18
Views: 2559

Re: Tax Software

Some states have very well-done online filing once you've finished the Federal return, MA for one. These are complex products and cannot meet everyone's needs. Pick the product, including none or paying someone, that fits your needs. To answer your question, TurboTax's tedious but more exhaustive qu...
by gd
Mon Mar 23, 2015 6:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Software
Replies: 23
Views: 1114

Re: New washing machine won't fit down basement steps.

You might reconsider the concrete removal. A rentable electric jackhammer or demolition hammer will trim back a small volume. Otherwise, there are companies that install bulkhead doors who have saws that can easily cut through a foundation. If it's just a non-structural wing of concrete that "e...
by gd
Sat Mar 21, 2015 6:58 am
 
Forum: Personal Consumer Issues
Topic: New washing machine won't fit down basement steps.
Replies: 32
Views: 2901

Re: Tankless Hot Water Heaters

I've also been considering them to relocate the hot water source closer to the use points, for reasons other than economics. Can anyone state how long it takes for fully heated water to start flowing out of one of these, measured at the outlet?
by gd
Fri Mar 20, 2015 1:25 pm
 
Forum: Personal Consumer Issues
Topic: Tankless Hot Water Heaters
Replies: 29
Views: 2520

Re: Gaming amazon product reviews

Modified the OP to make clear this is an inquiry. Thanks, this is actually getting even more interesting. I went back and reread the email I got from the seller that I believe I responded to, and it clearly states it is a product review request (with link supplied). Perhaps they're even more devious...
by gd
Sun Mar 15, 2015 5:46 am
 
Forum: Personal Consumer Issues
Topic: Gaming amazon product reviews
Replies: 16
Views: 2172

Gaming amazon product reviews

I need a low-flow showerhead. After finding nothing locally, I went to amazon.com and found two candidates advertised as low-flow-- one with a handful of reasonable-sounding complaints about quality, the other goofy-looking but with almost no negative reviews. After purchasing and receiving the bett...
by gd
Sat Mar 14, 2015 7:09 pm
 
Forum: Personal Consumer Issues
Topic: Gaming amazon product reviews
Replies: 16
Views: 2172

TurboTax- forcing Form 1116

Somewhere in the bowels of TurboTax I believe I once found a checkbox, probably in a worksheet, that will force a Form 1116 to be produced when TurboTax would otherwise not do so. I cannot find it again. Can anyone tell me where it is? Not a question about IRS rules, just TurboTax behavior.
by gd
Mon Mar 09, 2015 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax- forcing Form 1116
Replies: 1
Views: 267

Re: Should I use both Turbotax and TaxACT?

5 years ago I found TurboTax was better at drawing my attention to and handling not-quite-typical tax issues I had been neglecting than TaxACT. If you fully understand your tax situation, and the tax preparer has done well and their work can be followed, I'd guess TaxACT can be used. If you're enter...
by gd
Mon Mar 09, 2015 6:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I use both Turbotax and TaxACT?
Replies: 8
Views: 970

Re: What if you already have a couple million?

You do what you want, whatever will leave you with no regrets at the end of the game. It's pretty much all arbitrary anyway, following intricate calculations and precise numbers based on... vague historical trends and an unknowable future. Example, I am baffled why someone who has barely enough reti...
by gd
Wed Mar 04, 2015 8:01 am
 
Forum: Investing - Help with Personal Investments
Topic: What if you already have a couple million?
Replies: 42
Views: 6564

Re: Can I e-file? Form 8938 and 3 foreign accounts?

I use TurboTax Premier this year, Deluxe last year, and have more foreign accounts than you (my spouse and the banks conspire to aggravate me, never closing unneeded savings accounts). I dimly recall it is sometimes slightly confusing exactly how they prompt you; this year I was able to just import ...
by gd
Mon Mar 02, 2015 7:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I e-file? Form 8938 and 3 foreign accounts?
Replies: 5
Views: 450

Foreign Tax Credit and foreign estimated tax payments

A question for people who claim Foreign Tax Credit, and make estimated tax payments to the foreign government during the tax year: I make quarterly estimated payments in foreign currency for passive income. After the tax year ends, the foreign tax is reckoned, and I pay additional or receive a refun...
by gd
Sun Mar 01, 2015 7:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Foreign Tax Credit and foreign estimated tax payments
Replies: 0
Views: 132

Re: Is Vanguard understaffed?

scifilover wrote:Never an issue with EFT's. It is just another trade when you buy or sell.

Then the 1099 comes a month later than the equivalent MF. That's an issue for me.
by gd
Sat Feb 28, 2015 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Is Vanguard understaffed?
Replies: 37
Views: 3560

Re: Is Vanguard understaffed?

Maybe this is what they mean by "Vanguarding". Marketing first, then clean up the mess.
by gd
Sat Feb 28, 2015 5:07 pm
 
Forum: Personal Consumer Issues
Topic: Is Vanguard understaffed?
Replies: 37
Views: 3560

Re: Is a generator worth it?

Rule of Thumb: If something expensive is positioned at the entrance of Home Depot, it's probably a fad.
by gd
Sat Feb 28, 2015 8:08 am
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 105
Views: 5616

Re: Safe Withdrawal Rate as it relates to Size of Portfolio

$1M: work Firecalc nervously for SWR. $10M: don't worry about it. $100M: lounge on the yacht trying to decide which house to use next week.
by gd
Sat Feb 28, 2015 7:49 am
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rate as it relates to Size of Portfolio
Replies: 25
Views: 2832

Re: Air Quality Testing for home inspection?

If I was selling my 75 yr. old house and a prospective buyer demanded a discount because they found mold spores, I'd politely suggest perhaps they aren't cut out for an older house and go across town to the McMansion development. And don't forget to test for various air-tight-new-house carcinogens w...
by gd
Tue Feb 24, 2015 8:06 am
 
Forum: Personal Consumer Issues
Topic: Air Quality Testing for home inspection?
Replies: 21
Views: 1094

Re: Suggest an infrared temperture gun

Like lots of low-end Amazon products, that product seems to be marketed under at least 3 names-- Nubee, Sain Sonic and Etekcity.
by gd
Tue Feb 24, 2015 7:42 am
 
Forum: Personal Consumer Issues
Topic: Suggest an infrared temperture gun
Replies: 21
Views: 1700

Re: Does it really make sense to use historic data before PC

Perhaps what you're looking for is the tolerance and capacity for economic and societal deviation before something dramatic happens to fix it. That capacity is both psychological and physical in terms of markets and trade means and financial tools. Whether it's due to revolutions, electrification, w...
by gd
Mon Feb 23, 2015 7:41 am
 
Forum: Investing - Theory, News & General
Topic: Does it really make sense to use historic data before PCs?
Replies: 13
Views: 1174

Re: Does it really make sense to use historic data before PC

Business news channels blaring gossip, trivia and random events all day long. 70%+ of all trades being algorithmic HFT. What makes you think markets are more efficient now? Perhaps they just flail around more efficiently.
by gd
Sun Feb 22, 2015 8:44 pm
 
Forum: Investing - Theory, News & General
Topic: Does it really make sense to use historic data before PCs?
Replies: 13
Views: 1174

Re: Turbotax MA State

You know MA has free online tax filing, right? I've got some odd tax situations, yet have still been able to use if for years-- even when TaxAct and TurboTax wouldn't allow e-filing of federal.
by gd
Sun Feb 22, 2015 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax MA State
Replies: 3
Views: 314

Re: Has anyone restored windows?

I am a little puzzled as to why there are still drafts with the new storms. I spent a bundle on high grade storms for my old house, and the drafts went to zero. As others have said, trace down the source of the drafts. I believe a lot of what might seem to be window drafts with old windows are simp...
by gd
Sat Feb 21, 2015 8:45 am
 
Forum: Personal Consumer Issues
Topic: Has anyone restored windows?
Replies: 25
Views: 1946

Re: Vanguard brokerage tax forms changed to late Feb. questi

What's the difference between what's reported on a brokerage 1099 and what you can get by logging into vanguard.com and clicking: Balances and Holding -> Brokerage Account -> Cost Basis -> Realized Gains and Losses -> 2014 Total The dividends shown in your online account does not break out qualifie...
by gd
Fri Feb 20, 2015 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard brokerage tax forms changed to late Feb. question
Replies: 93
Views: 7557

Re: Why do companies match 401K contributions?

Allow me to summarize the possibilities so far: 1) HCEs make the self-interested decision to match non-HCE contributions so as to boost contributions by non-HCEs, with the ultimate goal of boosting HCE rewards. 2) As a recruitment and retention benefit. 3) Because it's a decent thing to do. I sugges...
by gd
Fri Feb 20, 2015 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Why do companies match 401K contributions?
Replies: 50
Views: 4507

Re: What was your dumbest financial decision?

I responded to the "worst" financial decision, not the "dumbest". There is a difference, at least for me, and it is an important one. Something can be a bad/worst financial decision, but still a reasonable decision for non-financial reasons. That's not dumb. These were two differ...
by gd
Fri Feb 20, 2015 7:42 am
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 172
Views: 15364

Re: Has anyone restored windows?

Just curious-- does anyone in a seriously cold climate with single-pane sashes (working, not painted shut) and external storm windows NOT get frosted over storms in the upstairs moisture-filled bedrooms of their house?
by gd
Wed Feb 18, 2015 9:21 am
 
Forum: Personal Consumer Issues
Topic: Has anyone restored windows?
Replies: 25
Views: 1946

Re: What is the worst financial decision that you've made?

No hesitation on this one-- bought a house instead of renting. Not a bad decision, just the worst decision financially.
by gd
Wed Feb 18, 2015 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 172
Views: 15364

Re: Has anyone restored windows?

I have restored my original 75-year-old windows myself. My neighbor also. It's time consuming but not all that hard, and makes an entertaining, long-lasting hobby doing a few sashes a year. The restored windows are aesthetically very pleasing. Several random comments: Modern windows, particularly pl...
by gd
Tue Feb 17, 2015 11:44 am
 
Forum: Personal Consumer Issues
Topic: Has anyone restored windows?
Replies: 25
Views: 1946

Re: Should I raise my tenants rent?

We haven't raised the rent in 11 years. I was considering it a few years back then realized that if they move out I'll probably push to sell the property rather than risk getting a bad tenant like their predecessor.
by gd
Mon Feb 16, 2015 5:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I raise my tenants rent?
Replies: 35
Views: 1852

Re: Mental games

Old style classic: Psychological Exercises and Essays (1930), Alfred Richard Orage.
by gd
Sun Feb 15, 2015 7:38 am
 
Forum: Personal Consumer Issues
Topic: Mental games
Replies: 32
Views: 2621

Re: Small claims court and rental Security Deposit

spectec wrote: I'd mention to the judge that he already admitted he was wrong because he made me an offer of some sort.

I don't think it works like that.
by gd
Sat Feb 14, 2015 7:16 pm
 
Forum: Personal Consumer Issues
Topic: Small claims court and rental Security Deposit
Replies: 42
Views: 1912

Re: Mr. Money Mustache: Hero or Foolish?

Boglehead MMM fans, please post here if you dropped your high-income job for making a small amount of money with lots of free time in the prime of your life. I did. To clarify: I followed a frugal lifestyle (like MMM) during a high-income job, became financially secure, *then* dropped it. I'm not a...
by gd
Fri Feb 13, 2015 8:38 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 71522

Re: Mr. Money Mustache: Hero or Foolish?

His article about only needing one child really bothered me. Can't explain why, but it did. I can explain- already did earlier, in fact. Not to pick on you, it's just an excellent example. It's a "religious war", an affront or implied challenge to personal values that can't be resolved by...
by gd
Tue Feb 10, 2015 8:44 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 71522

Re: Best artificial plants?

I wouldn't bet they're the highest quality you can find, but some of the chain crafts stores around me (Michaels, e.g.) carry a pretty good selection of flowering plants, although they tend to be gaudy. I believe Home Depot often has a choice of non-flowering ones. I'd be reluctant to buy mail order...
by gd
Mon Feb 09, 2015 8:16 pm
 
Forum: Personal Consumer Issues
Topic: Best artificial plants?
Replies: 13
Views: 1052

Re: Mr. Money Mustache: Hero or Foolish?

I've heard of the guy but never paid attention to him, new to this thread (as far as I can recall) and haven't read through it completely. I located his most recent line-by-line living expenses budget and find it quite believable, with adequate explanations of off-budget items (e.g. house). I and/or...
by gd
Mon Feb 09, 2015 7:51 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 71522

Re: Attic Insulation: benefit of only adding to part?

The furniture in the rooms read mostly 68, which is where I had the thermostat set, the outside walls read 67, the middle of a window read 64, (triple pane argon filled), and the ceiling read 68. I wouldn't speculate as to the cost-effectiveness of more insulation, but wouldn't you expect a well-in...
by gd
Sat Feb 07, 2015 7:53 am
 
Forum: Personal Consumer Issues
Topic: Attic Insulation: benefit of only adding to part?
Replies: 10
Views: 1117

Re: Earning money in euro, but investing in USD

Anything kept where you aren't planning on using it is currency speculation or lethargy. Currency movements can make stock markets look pretty dull.
by gd
Fri Feb 06, 2015 5:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Earning money in euro, but investing in USD
Replies: 4
Views: 493

Re: Seeking advice on learning computer science

I suggest you find something to program first. There is so much commercial programming available for PCs and mobile devices that it is very unlikely you will actually find a reason to write a program yourself. Most PC applications have something about them you may not like, but to achieve the same f...
by gd
Thu Feb 05, 2015 9:25 am
 
Forum: Personal Consumer Issues
Topic: Seeking advice on learning computer science
Replies: 40
Views: 1943

Re: Bill Gross warns about bonds. Are you worried?

...Gross cites his own losses from 1979-1981 when long term interest rates soared to 15%... Couldn't find this. Where does he say it? It was cut and paste from the text, which purported to be a report of the video. If yahoo cannot accurately report their own interviews, doesn't seem like they're wo...
by gd
Tue Feb 03, 2015 9:14 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross warns about bonds. Are you worried?
Replies: 38
Views: 5166

Re: Bill Gross warns about bonds. Are you worried?

I stopped caring what he said here: Gross said, “In the short term, bond investors are safe for six to twelve months, but not for ten to thirty years.” Gross cites his own losses from 1979-1981 when long term interest rates soared to 15%, The only people I listen to talking about 10-30 years from no...
by gd
Tue Feb 03, 2015 7:25 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross warns about bonds. Are you worried?
Replies: 38
Views: 5166

Re: Is it ok not to own property?

Property ownership is not for everyone. The biggest advantage of it is the stability it brings to your living expenses after you retire. But if you don't want it at this time, that is a totally personal decision. As a 30-year renter and an almost-10-year homeowner, I agree completely, except-- it g...
by gd
Mon Feb 02, 2015 8:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Is it ok not to own property?
Replies: 24
Views: 3510

Re: US citizen vs green card

I think the last two posts were perhaps a little sparse on relevant details to make strong conclusions. A non-citizen spouse in a legitimate marriage will have no problem getting PR status while they are US-resident, but must apply for it. It will continue if they then move back overseas and they do...
by gd
Sat Jan 31, 2015 8:15 am
 
Forum: Personal Finance (Not Investing)
Topic: US citizen vs green card
Replies: 37
Views: 3648

Re: Barry Ritholtz - Breaking with Bogle

ETFs vs low cost MFs always seemed like a religious war about arcane doctrine to me. More interesting points were the foreign and market-capitalization-index topics. Seems to me Ritholtz is making the same point many people here believe- a straight total US market-capitalization-based index is too r...
by gd
Sat Jan 31, 2015 7:53 am
 
Forum: Investing - Theory, News & General
Topic: Barry Ritholtz - Breaking with Bogle
Replies: 12
Views: 2693

Re: Barry Ritholtz - Breaking with Bogle

He's not pushing anyone to invest with him that I've ever noticed. He recommends that most people use low cost index funds, first got noticed by publishing a lot of free advice to traders, and is happy to manage money of people who want to throw it at him. He's effective at self-promotion and harves...
by gd
Fri Jan 30, 2015 9:06 pm
 
Forum: Investing - Theory, News & General
Topic: Barry Ritholtz - Breaking with Bogle
Replies: 12
Views: 2693

Re: turbotax: foreign bank interest ?

Treat it as if you got a 1099-INT for it, use the same box entries as for a comparable US bank that issued a 1099-INT. Yes they should have something better, but it's been this way since forever. Be happy if you don't have anything more complicated, such as the need to file 1116 to claim small amoun...
by gd
Thu Jan 29, 2015 7:55 am
 
Forum: Personal Finance (Not Investing)
Topic: turbotax: foreign bank interest ?
Replies: 15
Views: 1088

Re: Assisted Living Facilities... Weird 'Atmosphere...'

Assisted living facilities can vary as to how far gone the residents are-- people get parked there for financial or emotional reasons rather than in full nursing homes. "Half have dementia" seems like more a nursing home. This would be a problem for a normal-functioning resident. Elderly p...
by gd
Thu Jan 29, 2015 7:36 am
 
Forum: Personal Consumer Issues
Topic: Assisted Living Facilities... Weird 'Atmosphere...'
Replies: 34
Views: 4207

Re: Anyone else love reading textbooks?

The idea of reading textbooks seems virtuous, but I never actually achieve it. The E. O. Wilson online work just may be an exception, if that qualifies as a textbook. And then there's:
http://www.smbc-comics.com/index.php?id=3621
by gd
Mon Jan 26, 2015 7:42 am
 
Forum: Personal Consumer Issues
Topic: Anyone else love reading textbooks?
Replies: 82
Views: 2914
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