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Re: Taxes for NY Long Is. Resident but PA student

BTW, PA-40 NRC is for business while PA-40 is for individual, so the latter would work in this case.
by htdrag11
Thu Apr 03, 2014 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxes for NY Long Is. Resident but PA student
Replies: 6
Views: 441

Re: Taxes for NY Long Is. Resident but PA student

jmg229,

Terrific. IT-112R was what I was looking for to get his credit back.

Thanks.
by htdrag11
Wed Apr 02, 2014 7:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxes for NY Long Is. Resident but PA student
Replies: 6
Views: 441

Taxes for NY Long Is. Resident but PA student

My nephew is a full time student in PA and made some money during the summer in PA. For fed, he files a 1040-EZ form. My dumb questions are: 1. Does he need to file NY state income taxes IT-201 since all income and taxes were withheld in PA? Does he qualify for standard deduction since he was claime...
by htdrag11
Tue Apr 01, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxes for NY Long Is. Resident but PA student
Replies: 6
Views: 441

Re: Retirees: About your retirement

When I was younger, image and ego are more important but this ad maybe what some of us do not need or crave for. http://www.fool.com/investing/general/2014/03/08/what-is-general-motors-thinking-with-this-new-cadi.aspx I'm OK with my lowly Japanese CUV, barely making 60 mph in 11 seconds. Possessing ...
by htdrag11
Sat Mar 08, 2014 5:59 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees: About your retirement
Replies: 55
Views: 5494

Re: Retirees: About your retirement

Well, I started also around 14, helping family out and did not stop until 59. Sat around 2 years doing some volunteering work and got full time work recently, trying out a small company vs. large firms. My hands really got dirty, doing all kinds of work which I had not done since about 20 years ago....
by htdrag11
Sat Mar 08, 2014 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees: About your retirement
Replies: 55
Views: 5494

Re: ASPCA vs Humane Society

+1 to the Ephesus cat photos.
by htdrag11
Mon Feb 17, 2014 9:05 pm
 
Forum: Personal Consumer Issues
Topic: ASPCA vs Humane Society
Replies: 27
Views: 1660

Re: How did you transition from saving mode to spending mode

Excellent point on RMD, but by then I'll be too old to get into a sports car.
by htdrag11
Sun Jan 26, 2014 11:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: How did you transition from saving mode to spending mode?
Replies: 15
Views: 1827

Re: How did you transition from saving mode to spending mode

I found setting up a budget is paramount to your success in managing your retirement funds. After 2 years, it has been rather uneventful. Actually because of the market is doing so well, our net worth is actually higher than 2012, meaning we're still living below our means. Wife still does not belie...
by htdrag11
Sun Jan 26, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: How did you transition from saving mode to spending mode?
Replies: 15
Views: 1827

Re: SUV Vs Sedan

I found Honda very reliable but boring to drive, so went with the Mazda CX-5 (a cheap X-5?) but also looked at the Outback which is a little rich for my blood these days, plus so so mileage. My range is usually anywhere between 28 to 33 mpg, depending on driving and AC. The 2014 has a bigger engine ...
by htdrag11
Sun Jan 26, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: SUV Vs Sedan
Replies: 50
Views: 3567

Re: El-Erian out at Pimco - WSJ

There are not too many Mets fans out there, so I'll miss him. As a spokesman, I listen to his rhetoric more than Bill Gross - who does not know what enough is.

Good for him.
by htdrag11
Tue Jan 21, 2014 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: El-Erian out at Pimco - WSJ
Replies: 28
Views: 3194

Re: What Book Are You Currently Reading? Part V

Robert Gates' Duty: Memoirs of a Secretary at War - how we have never won a war in Asia, ever since WWII. Lessons learned became lessons forgotten.
by htdrag11
Sun Jan 19, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2626
Views: 597775

Re: Staying the course which watching CNBC

headphones or earplugs?
by htdrag11
Sun Jan 19, 2014 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Staying the course which watching CNBC
Replies: 23
Views: 1872

Re: "Passive Investing: The Evidence"

Taylor, thanks.

I put this on my LinkedIn page and also forward to my friends.
by htdrag11
Sun Jan 19, 2014 9:28 am
 
Forum: Investing - Theory, News & General
Topic: "Passive Investing: The Evidence"
Replies: 19
Views: 2989

Printing transaction/trade necessary for tax purpose?

For tax purpose, I've always been printing each transaction and match it up at the end of the year. Is that a common practice or should I just print (or print to a pdf) the monthly summary statement? Better yet, I can just print the realized gains/losses.

What is a good practice? Thanks.
by htdrag11
Mon Dec 02, 2013 12:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Printing transaction/trade necessary for tax purpose?
Replies: 5
Views: 416

Re: New Tablet

Barns and Noble is giving up on their Nook tablet business and they are going at fire-sale prices. I just got the 9 inch Nook HD+ for $118. A steal in my opinion for a 9 inch android tablet with a stunning display. It lacks a camera and GPS, so don't get it if that's important to you. The web site ...
by htdrag11
Sat Oct 19, 2013 11:02 pm
 
Forum: Personal Consumer Issues
Topic: New Tablet
Replies: 20
Views: 1813

Re: 401k and Roth

Sounds reasonable.

Thanks.
by htdrag11
Tue Oct 08, 2013 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k and Roth
Replies: 4
Views: 392

Re: 401k and Roth

Sorry for the confusion. I'll start working tomorrow, so I would have earned income in 2013 to qualify for Roth.
by htdrag11
Tue Oct 08, 2013 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k and Roth
Replies: 4
Views: 392

401k and Roth

I'm over 50 but not over the hill. After "retiring" early for 32 months, got a job for 6-months and contemplating my various options of putting more money away for 2013 and 2014, assuming that I do not get renew. The 401k is non-matching with Morgan Stanley/Smith Barney. I used to work in ...
by htdrag11
Tue Oct 08, 2013 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k and Roth
Replies: 4
Views: 392

Re: Alternative Energy Suppliers

Well, my house in NJ is with JCP&L and NAP. Just dropped NAP in both NJ and CT. After the initial teaser rate, my summer months from June to Sept have gone up by 35% for generation: JCP&L: $0.09948613 / KWH NAP: $0.1349 (25% renewable energy) Filed an electronic complaint to the NJ PUC which...
by htdrag11
Thu Sep 19, 2013 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Alternative Energy Suppliers
Replies: 20
Views: 1132

Re: Got fired earlier this week, now the boss wants me back

You're in a good position, so there are several choices that you could choose:

1. Work part-time and continue to look. Might think about college funding for your children down the road.

2. Work full time and continue to look.

3. Ask for a raise but continue to look.

Good luck.
by htdrag11
Sat Sep 14, 2013 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Got fired earlier this week, now the boss wants me back
Replies: 123
Views: 10929

Re: Alternative Energy Suppliers

From UI site, Standard Service Generation 7.6974¢/kWhr while distribution is Summer: June - Sept. 4.9113¢.

Looks like I'm losing out on the generation piece, the smaller component.
by htdrag11
Wed Sep 04, 2013 5:44 pm
 
Forum: Personal Consumer Issues
Topic: Alternative Energy Suppliers
Replies: 20
Views: 1132

Re: Alternative Energy Suppliers

Is .12 your total charge? In CT we're paying around .07 generation charge PLUS approx .08 distribution charge by the Utility. My is just over 15 cents in CT I signed up my house in CT (UI) with NAP, but somehow I'm not sure if there is any savings. My August generation is .1099 vs. .049 for distrib...
by htdrag11
Wed Sep 04, 2013 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Alternative Energy Suppliers
Replies: 20
Views: 1132

Re: Grocery shopping price comparison (Costco vs BJs vs Sams

If you have to spend $450+ for a blender, I would say it is the Vitamix people who have the good business. :oops: Mine was $310. My wife really wanted it and we went back and forth about it. In the end I figured it was cheaper than divorce :mrgreen: Now that we have it, I can say it was worth the m...
by htdrag11
Fri Aug 30, 2013 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Grocery shopping price comparison (Costco vs BJs vs Sams...)
Replies: 35
Views: 4766

Re: Drying clothes in the sun - worth the hassle?

One of the benefits with retiring is that time is on our side, so my wife made me hanging the clothes out.

Sure it's a little stiffer but there is no cost involved. Does not work in the winter for my area.

Were we not suppose to save the earth for future generation? :oops:
by htdrag11
Wed Aug 21, 2013 7:39 pm
 
Forum: Personal Consumer Issues
Topic: Drying clothes in the sun - worth the hassle?
Replies: 86
Views: 5986

Re: How Often Do I Need To See A Dentist?

I had periodontal work about 20 years ago on all 4 quadrants. Since then I see my periodontist 2x/year and so is my dentist, or every 3 months in a year.

Is that too much?
by htdrag11
Sun Aug 18, 2013 2:29 pm
 
Forum: Personal Consumer Issues
Topic: How Often Do I Need To See A Dentist?
Replies: 8
Views: 694

Re: How do you order your steak?

About 4 - 5 times a year, medium rare.

Yep, ordering a steak well done is a crime (that was me 40 years ago when I did not know better). Love raw fish and sushi too.
by htdrag11
Sun Aug 11, 2013 4:10 pm
 
Forum: Personal Consumer Issues
Topic: How do you order your steak?
Replies: 76
Views: 3551

Re: [Eating] Fish

We tried a lot of fish and shellfish. The latest is wild hake in the northeast. It's a tasty and flaky fish. Lately we tried branzino and like it when in season. Monk fish is a bottom feeder and looks ugly; it's a poor man's lobster so the meat has a bite to it (texture). Our favorites are wild sock...
by htdrag11
Sat Aug 10, 2013 2:57 pm
 
Forum: Personal Consumer Issues
Topic: [Eating] Fish
Replies: 81
Views: 6054

Re: LinkedIn strategy?

Though retired recently, I kept up my LI profile. I normally do not reject people, unless the person has nothing to do with my field (rather rare). Also, I'm not an open connection, like a LION. I buy and sell expensive stuff on Craigslist, so sometime people would like to see the merchandise. Using...
by htdrag11
Sat Aug 10, 2013 1:45 pm
 
Forum: Personal Consumer Issues
Topic: LinkedIn strategy?
Replies: 51
Views: 5625

Re: Google Chromecast Streaming HDMI Media Player

LazyNihilist wrote:Great news Bogleheads. Chromecast with 3 months netflix rebate is still available for $35.00 + taxes on Best Buy. :happy


It is out of stock, just like Amazon.
by htdrag11
Thu Aug 08, 2013 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Google Chromecast Streaming HDMI Media Player
Replies: 75
Views: 6783

Re: The Risk Shows Up? Pimco, BlackRock Seek to Bar Mtg Seiz

Thanks for sharing.

Couple thoughts:
1. I did not know these rich fund managers care about savers and retirees.
2. If the bankstes or mortgage companies do it, then it's fraud, but not the government
by htdrag11
Thu Aug 08, 2013 4:40 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk Shows Up? Pimco, BlackRock Seek to Bar Mtg Seizures
Replies: 16
Views: 1295

Re: lost job - can I retire now

Sorry about your job but I was in a similar situation 2 years ago at 58. However, I was more fortunate since I took an early retirement package with healthcare benefits. My networth is larger too. Like most folks here, your portfolio is on the borderline. Once you signed up for unemployment, you sho...
by htdrag11
Sun Jul 28, 2013 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: lost job - can I retire now
Replies: 39
Views: 5794

Pay It Squares

Did anyone try this via PayPal? Our non-profit organization's founder is recovering from a major heart attack. Financially he and his family is not doing well but he is too proud to ask. Via FB, I could see that he is listing his house for sale. Some of our members would like to help but we're all s...
by htdrag11
Wed Jul 24, 2013 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay It Squares
Replies: 1
Views: 478

Re: New Honda Accord v/s CPO BMW 328i

For the record, I owned 3 BMW's and 3 Honda/Acura. The latter is for transportation. Just because a car can go fast in a straight line does not make it a sports car.

Now we are down to one SUV, Mazda CX5 rather than the Honda CR-V.
by htdrag11
Wed Jul 24, 2013 8:03 pm
 
Forum: Personal Consumer Issues
Topic: New Honda Accord v/s CPO BMW 328i
Replies: 88
Views: 8904

Re: New Honda Accord v/s CPO BMW 328i

Like many cars, BMWs are tons of fun to drive, especially the older ones. Nothing steering like a BMW. Just expect to pay more to maintain it compared to its Japanese counterparts which in many cases are just as nice. +1. BMW is for lease only, not to keep. Honda is not a status symbol, at least no...
by htdrag11
Wed Jul 24, 2013 7:57 pm
 
Forum: Personal Consumer Issues
Topic: New Honda Accord v/s CPO BMW 328i
Replies: 88
Views: 8904

Re: How Do I Retire on My Portfolio?

Another area is taxable vs. non-taxable account. Always take out money with as less taxes as possible.

Don't want to sound snobby, but $1.25M is not a lot for folks in the NE and the West coast.
by htdrag11
Mon Jul 22, 2013 7:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Do I Retire on My Portfolio?
Replies: 12
Views: 3062

Re: How Do I Retire on My Portfolio?

First off, I find 4% a bit high for this portfolio; maybe 3%. 2nd, unlike dbr, I'm not a fan of SPIA but it does have its purpose. In general, I do not like anything from the insurance industry but that is my bias. 3rd, it is critical to point out in this particular scenario, this person does not ha...
by htdrag11
Mon Jul 22, 2013 3:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Do I Retire on My Portfolio?
Replies: 12
Views: 3062

Re: $19K Odyssey 2010 LX 35k miles Honda certified.

Carfax historical data is over hyped.

The new Honda may look less pretty, but gives you a longer warranty period. For $4k, a new car sounds better.
by htdrag11
Sat Jul 13, 2013 3:11 pm
 
Forum: Personal Consumer Issues
Topic: $19K Odyssey 2010 LX 35k miles Honda certified.
Replies: 17
Views: 1266

Re: Dehumidifier question

I've the older version called Premiere which is 2 years old covering about 5000 sq.st. It's noisy but I do not use the basement other than storage. Got from Costco also. It can barely go down to 55% but I'm OK with it. Upstairs/main floor is a 30 or 40 pint model which I run at a lower fan speed so ...
by htdrag11
Wed Jul 10, 2013 7:58 am
 
Forum: Personal Consumer Issues
Topic: Dehumidifier question
Replies: 17
Views: 1795

Re: Long-Term-Care Insurance Leaves Customers Groping

Friend of mine has Genworth for about 10 years, paying about $4k; he would see a 50% increase. Being retired, he is having 2nd thoughts.
by htdrag11
Tue Jul 02, 2013 7:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long-Term-Care Insurance Leaves Customers Groping
Replies: 61
Views: 4993

Re: Bogleheads Without Avatars

Done, but it's not painless.
by htdrag11
Tue Jul 02, 2013 12:55 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads Without Avatars
Replies: 197
Views: 13653

Long-Term-Care Insurance Leaves Customers Groping

Just want to share one of the issues facing us boomers today, from WSJ.

http://finance.yahoo.com/news/long-term ... 00000.html
by htdrag11
Tue Jul 02, 2013 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Long-Term-Care Insurance Leaves Customers Groping
Replies: 61
Views: 4993

Re: Seth Godin "Thinking About Money"

#10, The chances that a small-time investor will get lucky by timing the stock market or with other opaque investments are slim, fat and none.

Thank you for sharing.

Cheers!
by htdrag11
Sun Jun 30, 2013 4:46 pm
 
Forum: Investing - Theory, News & General
Topic: Seth Godin "Thinking About Money"
Replies: 3
Views: 853

Re: Returning used items to the store [POLL]

A friend of mine still does it but it is WRONG, pure and simple.

How would you like it if it's your own business and someone did that to you?

Our moral ethics are in decline; 10% of the folks thought it's OK.
by htdrag11
Fri May 31, 2013 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Returning used items to the store [POLL]
Replies: 50
Views: 2343

Re: home security system

Most common robberies are smash and grab types, quick in, quick out, so stickers don't do much to stop those. That said I do have an alarm system Self-installed and monitored thru a much less expensive company SafeMart. The cost of the monitoring is almost paid for by the discount I get with my hom...
by htdrag11
Thu May 30, 2013 3:21 pm
 
Forum: Personal Consumer Issues
Topic: home security system
Replies: 20
Views: 1100

Re: "Smart" TV advice?

Well, since no one mention this as option, let me give it a spin. My main TV is actually a projector while my wife is happy with her plasma which you can get from Costco for under $800, 3D at 55". With a projector, one can sell and upgrade w/o breaking the bank. Would never dream off selling an...
by htdrag11
Tue May 14, 2013 8:17 pm
 
Forum: Personal Consumer Issues
Topic: "Smart" TV advice?
Replies: 22
Views: 1769
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