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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: 97

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: 3252

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: 3252

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: 88
Views: 4291

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: 2518

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: 1044

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: 14
Views: 931

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: 1136

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: 1136

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: 299

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: 1804

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: 86
Views: 5713

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: 4294

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: 14774

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: 1804

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: 14774

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: 1804

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: 1773

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: 2493

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: 1803

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: 416
Views: 61739

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: 416
Views: 61739

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: 1022

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: 416
Views: 61739

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: 1099

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: 481

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: 1905

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: 5124

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: 5124

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: 3466

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: 34
Views: 3069

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: 2663

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: 2663

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: 995

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: 4084

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: 2868

Re: Android or iPhone? Which do you like, and why?

I've never used an iPhone, but got my spouse and parent an android, for necessary but irrelevant reasons. Moto G, 4.4.2, Republic Wireless. A few things I like; google voice is vastly better than any native apple voice dictation I've tried. The address book and way the cell phone & text messagin...
by gd
Mon Jan 26, 2015 7:27 am
 
Forum: Personal Consumer Issues
Topic: Android or iPhone? Which do you like, and why?
Replies: 40
Views: 1908

Re: Would you use MaskMe?

My BoA card does this, they call it ShopSafe. I use it for most online purchases and particularly anything where I know or suspect I'll be roped into an autorenewal I do not want. That said, most or all of my CC re-issues have been caused by big-box security breaches after in-store use.
by gd
Sat Jan 24, 2015 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you use MaskMe?
Replies: 12
Views: 1610

Re: Half off TurboTax thru Monday

That'll go over well with all the people who paid full price in the highly competitive tax prep software business, won't it?
by gd
Fri Jan 23, 2015 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Half off TurboTax thru Monday
Replies: 37
Views: 4397

Re: Intuit Turbo Tax Refund

There's got to be an interesting "fly on the wall" story about Intuit's marketing strategies over the last 15 years, particularly TurboTax. The number of serious PR/marketing blunders they've made is remarkable. There's also some prime material for studying sticky products vs. free market ...
by gd
Fri Jan 23, 2015 8:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Intuit Turbo Tax Refund
Replies: 23
Views: 2174

Re: Ethics of an advisor "handing you off" to a colleague

I've always had trouble giving the "Dear John" notice, and found this situation convenient for moving stuff to other companies when I'd been too shy to. And then there was the call out of the blue that started "Hi, I'm your new account executive, don't worry, your money is safe, but y...
by gd
Thu Jan 22, 2015 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ethics of an advisor "handing you off" to a colleague
Replies: 38
Views: 3012

Re: Reporter doing story on pitfalls of doing one's own taxe

I think your understanding of the Vice President's role in our government is somewhat inaccurate...
by gd
Thu Jan 22, 2015 6:39 am
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on pitfalls of doing one's own taxes
Replies: 40
Views: 4792

Re: Quicken 2015 for Windows - Any reviews?

One thing with this version (that was not mandatory with other versions) is that you MUST have or create a Quicken/Intuit ACCOUNT. This appears to be necessary on Intuits part to prevent putting the program on two or more machines. "Necessary" is perhaps not the perfect word here... EULA ...
by gd
Wed Jan 21, 2015 8:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 101
Views: 17356

Re: Land - Me or my Neighbor

People are funny about property. I'd stay off the land unless you have an agreement to do something for them, perhaps mow it for $.01/year. Seems like once you did, the owner then acknowledges what is happening and any consequences, such as children playing on an inviting mowed field. Of course then...
by gd
Tue Jan 20, 2015 8:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Land - Me or my Neighbor
Replies: 44
Views: 3456

Re: Quicken 2015 for Windows - Any reviews?

I would point out that Mint.com is an Intuit product. Why can't Intuit merge the reliability of Mint with the detail and reporting power of Quicken? :annoyed As I understand it Mint is a product Intuit bought whole, their ownership is irrelevant. Big messy complicated things have more opportunities...
by gd
Tue Jan 20, 2015 7:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 101
Views: 17356

Re: Honda Civic vs Fit Safety Question

I've never noticed any sort of analysis about this, and not sure how it'd be done. But I'd guess the most effective way to improve your safety is by your ongoing behavior. Drive less (easier than most people want to admit-- combine shopping trips, for example), avoid driving in bad weather and night...
by gd
Mon Jan 19, 2015 8:09 am
 
Forum: Personal Consumer Issues
Topic: Honda Civic vs Fit Safety Question
Replies: 55
Views: 3404

Re: Quicken 2015 for Windows - Any reviews?

Just upgraded to 2015 Premier from 2004 Deluxe, out of vague concern my data would not be transferable some day, it wouldn't run on some future version of Windows, and mostly because they dropped the price to $50. Some mildly interesting reporting enhancements, portfolio x-ray is no big deal (partic...
by gd
Sun Jan 18, 2015 6:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 101
Views: 17356

Re: Merrill Lynch or Vanguard

They are not your financial advisor, they are Merrill Lynch salesmen. If you need the personal interaction enough to pay the overhead of that-- both fees and potentially sub-optimal investments-- then they are worth it. I have several relatives who resolutely give brokerages their money because they...
by gd
Tue Jan 13, 2015 7:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch or Vanguard
Replies: 48
Views: 3312

Re: Vanguard Turbo Tax prices anounced

Also got email that they will credit my credit card for $9.99 in a few business cycles. Wishing I hadn't used a one-time temporaryCC number that expired in 2 months...
by gd
Fri Jan 09, 2015 8:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 89
Views: 14775

Re: Changes (mostly bad ones) to my 401k. Who benefits?

I've always wondered: does an employer pay or get paid for choosing a specific financial company or specific finds for their 401(k) plans? There are secondary issues, such as ease of integration with company systems for matching contributions, but any specific payments or waiving of payments (e.g. d...
by gd
Fri Jan 09, 2015 8:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Changes (mostly bad ones) to my 401k. Who benefits?
Replies: 34
Views: 2702
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