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Re: Mortgage Prepayment Question

And just to complete the cycle, if you sell your house on July 15th, you will pay per diem interest from July 1 - July 15th at the closing (plus maybe a few extra days for transfer), as well as any principal balance remaining after your July 1 payment
by pshonore
Wed Jul 23, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Prepayment Question
Replies: 33
Views: 1449

Re: Mortgage Prepayment Question

My understanding is that the mortgage payment pays current month's interest, and next month's principal. I believe that's incorrect. Lets say you close on June 15th. In most cases, you pay the per diem interest from 6/16 through 6/30 at the closing. There is no payment due July 1. First payment due...
by pshonore
Wed Jul 23, 2014 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Prepayment Question
Replies: 33
Views: 1449

Re: Vanguard not vigilant about taxes?

What if Medtronic was bought by a larger US company? Wouldn't the shareholders still have to pay capital gains tax on the acquisition price? Yes. So why doesn't the New York Times feel that mutual fund shareholders are "paying the price" when a domestic company acquired another one? I sus...
by pshonore
Wed Jul 23, 2014 9:01 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard not vigilant about taxes?
Replies: 15
Views: 1461

Re: Caught in the IRS fraud mess

Another easy way is to require detailed 941 quarterly filings by employers and that has actually been proposed by the Obama folks in the 2015 budget. That probably would do away with the current practice of assuming taxes withheld were paid evenly through the year though.
by pshonore
Mon Jul 21, 2014 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Caught in the IRS fraud mess
Replies: 24
Views: 5832

Re: Turbo Tax .TAX file format

I don't think that was an option prior to 2006 for Turbo Tax.
by pshonore
Sun Jul 20, 2014 2:56 pm
 
Forum: Personal Consumer Issues
Topic: Turbo Tax .TAX file format
Replies: 11
Views: 697

Re: Wife was hit by car while riding on bicyle. Next Step?

our local TV stations are inundated, no, swamped with ads like [phone numbers removed --admin LadyGeek] for personal injury lawyers. I'm a doctor who frequently sees people with the most exaggerated, ridiculous, even fraudulent , claims of injury and "suffering", and volumes of paper to f...
by pshonore
Fri Jul 11, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife was hit by car while riding on bicyle. Next Step?
Replies: 46
Views: 5511

Re: Child Care Tax Credit vs FSA Savings

Before everyone gets confused, lets use the correct terms. The Child Tax Credit is $1K and is generally payable for dependents you claim who are under the age of 17 at the end of the Tax Year and is subject to phaseout based on AGI. The Dependent Care Credit is based on child care expenses of up to ...
by pshonore
Fri Jul 11, 2014 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Child Care Tax Credit vs FSA Savings
Replies: 5
Views: 532

Re: Amazon prime - how to get the best out of it?

Can you bring Lands End returns to Sears? (assumes there is one nearby of course).
by pshonore
Thu Jul 10, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 5100

Re: IRS limits direct deposts of refunds to fight Identity T

I don't believe there is a mechanism to do that. In fact, if you screw up your account number but get the routing number correct, your bank will get the money, but you won't (without some intervention).
by pshonore
Thu Jul 10, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS limits direct deposts of refunds to fight Identity Theft
Replies: 25
Views: 3303

Re: IRS limits direct deposts of refunds to fight Identity T

I believe there is a proposed plan to require detail quarterly reporting of 941 payroll data. That in effect gives the IRS access to W2 type info much quicker and would allow matching at that level. Note this is a proposal: https://cs.thomsonreuters.com/blogs/2014/05/payroll-game-changers-in-the-oba...
by pshonore
Thu Jul 10, 2014 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: IRS limits direct deposts of refunds to fight Identity Theft
Replies: 25
Views: 3303

Re: SS: another benefit of file & suspend

Already discussed in this thread - viewtopic.php?f=10&t=141473
by pshonore
Thu Jul 10, 2014 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: SS: another benefit of file & suspend
Replies: 10
Views: 1130

Re: Amazon prime - how to get the best out of it?

Prime Music allows you to stream to almost any device (Kindle Fire HD and HDX devices, iOS, Android, PC and Mac). Over a million songs - free.
by pshonore
Thu Jul 10, 2014 9:45 am
 
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 5100

Re: IRS limits direct deposts of refunds to fight Identity T

Won't this just require all of the tax scammers to open up multiple bank accounts? With Know Your Customer opening bank accounts is not trivial. Making the scammers work harder is a good thing. But I don't think getting a pre-paid debit card is hard. I'm not sure how the crooks do it but I doubt th...
by pshonore
Mon Jul 07, 2014 2:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS limits direct deposts of refunds to fight Identity Theft
Replies: 25
Views: 3303

Re: Best kitchen faucet?

Today's models don't seem to have the quality of 20 or 30 years ago. Nothing fancy, just a faucet with some kind of spray hose in the spout, with a replaceable (cleanable) aerator. At one time I think Delta made great products but not sure if they still do. I may be off by a few years, but I'm pret...
by pshonore
Mon Jul 07, 2014 1:54 pm
 
Forum: Personal Consumer Issues
Topic: Best kitchen faucet?
Replies: 14
Views: 914

Best kitchen faucet?

Once again our kitchen faucet needs replacement. Any suggestion on which brands are better? Today's models don't seem to have the quality of 20 or 30 years ago. Nothing fancy, just a faucet with some kind of spray hose in the spout, with a replaceable (cleanable) aerator. At one time I think Delta m...
by pshonore
Mon Jul 07, 2014 12:10 pm
 
Forum: Personal Consumer Issues
Topic: Best kitchen faucet?
Replies: 14
Views: 914

IRS limits direct deposts of refunds to fight Identity Theft

IRS just announced a max of three direct deposits to any electronic account (checking, pre-paid debit, savings, etc) starting in January next year. A step in the right direction, but I doubt it solves the problem. The crooks will just open multiple accounts. Any excess over three will be sent by pap...
by pshonore
Mon Jul 07, 2014 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS limits direct deposts of refunds to fight Identity Theft
Replies: 25
Views: 3303

Re: Dining table

Here's some quality stuff at quality prices (particularly if you stick to the Stickley line which is still made in upstate NewYork AFAIK.

http://www.stickley.com
by pshonore
Sun Jul 06, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: Dining table
Replies: 20
Views: 1462

Re: Publicly traded Partnerships (PTP)

Lots of information including tax info and tutorials as well as the possible perils of holding in retirement accounts at www.naptp.org
by pshonore
Sat Jul 05, 2014 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: Publicly traded Partnerships (PTP)
Replies: 1
Views: 194

Re: Auto Accident/Insurance/Repair Question

I really appreciate all of the phenomenal feedback. I can’t wait to have more free time to be active in the boglehead community! This actually happened last night around 10pm after coming home from an ice cream shop. Immediately after getting home, I called USAA to submit all pertinent information ...
by pshonore
Sat Jul 05, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: Auto Accident/Insurance/Repair Question
Replies: 37
Views: 1828

Re: US Total Stock Market Index worth in today's dollars?

Don't forget to figure in taxes. I don't believe there were any tax deferred retirement accounts available in 1970 to most investors.
by pshonore
Sat Jul 05, 2014 9:38 am
 
Forum: Investing - Theory, News & General
Topic: US Total Stock Market Index worth in today's dollars?
Replies: 8
Views: 1366

Re: Kitchen Remodel - Appliance Brand/Model Recommendations

I have had multiple problems with multiple GE and Maytag dishwashers. I now have a Bosh dishwasher that was high ranked by Consumer Reports, and I am quite satisfied with it. The quietness of a dishwasher depends partly on proper installation of the noise-blocking seals. My installer tried to tell ...
by pshonore
Fri Jul 04, 2014 3:54 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 47
Views: 3056

Re: Kitchen Remodel - Appliance Brand/Model Recommendations

Redid the Kitchen about 5 yrs ago. 1. Maytag frig. Double door with French door freezer on bottom. Had about 4 service calls the first six months because food was freezing in the food compartment. There's an ice maker in the top and the vents routing cold air to it were not closing properly and allo...
by pshonore
Fri Jul 04, 2014 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 47
Views: 3056

Re: How are you doing through the first half of 2014?

Is there a mathematical way to 'un-annualize' XIRR? I use Quicken and their performance reports show only XIRR. If ra is the annual rate of return and rd is the daily rate of return, then rd = (1+ra)^(1/251) - 1 (most years have 251 trading days, 2014 happens to have 252). Then for a period with n ...
by pshonore
Fri Jul 04, 2014 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: How are you doing through the first half of 2014?
Replies: 91
Views: 9311

Re: How are you doing through the first half of 2014?

Is there a mathematical way to 'un-annualize' XIRR? I use Quicken and their performance reports show only XIRR. For periods of less than a year where one has an annualized CAGR (XIRR) number: (1+XIRR)^(Number of Days/365)-1 So it would be about 180 to 185 days from Jan 1 to Jun 30, or so. Thanks fo...
by pshonore
Fri Jul 04, 2014 9:55 am
 
Forum: Investing - Theory, News & General
Topic: How are you doing through the first half of 2014?
Replies: 91
Views: 9311

Re: Amazon.com Rewards Visa card from Chase

I do the same thing with Stop & Shop in New England. Its either 4X or 5x depending on which Gift Card and which week. That's 40 or 50 cents a gallon (and I usually buy 25 gallons resulting in another $10 - $12.50 savings).
by pshonore
Thu Jul 03, 2014 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amazon.com Rewards Visa card from Chase
Replies: 35
Views: 4746

Re: Stick with Vanguard or take Fidelity "special deal"?

Does anyone know what is the tax treatment of this $2500 bonus? Do you pay ordinary income tax on it? Thanks If the bonus goes into your Roth IRA, then no taxes. If the bonus goes into your traditional IRA, then yes ordinary income taxes on it when you withdraw it from your IRA. If taxable, I >thin...
by pshonore
Thu Jul 03, 2014 9:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Stick with Vanguard or take Fidelity "special deal"?
Replies: 50
Views: 3055

Re: I found a new coffee.

I used something like this:

http://www.amazon.com/Presto-04820-PopL ... orn+popper

Roasted a few days worth at a time. Also smells great when you do it. Bu that was a long time ago.
by pshonore
Thu Jul 03, 2014 9:09 am
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5235

Re: Brick patio question

Have you thought about stamped concrete? Some of that looks quite nice. Not sure how the price compares though.
by pshonore
Wed Jul 02, 2014 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Brick patio question
Replies: 8
Views: 952

Re: Dumb phone save hikers life

Sounds like the "imitation" cell tower the authorities were using to track criminals and was in the news last week. That case will be in the Supreme Court in the future since they did not have search warrants. Google "stingray fbi tracking" for more info
by pshonore
Wed Jul 02, 2014 12:23 pm
 
Forum: Personal Consumer Issues
Topic: Dumb phone save hikers life
Replies: 11
Views: 1750

Re: How are you doing through the first half of 2014?

It appears XIRR always annualizes the return. If the period is six months, the annualized return is more than double the six month return calculated by (end val - start val)/ start val. In other words it assumes your return will continue for the rest of a 12 month period to say it in non-mathematica...
by pshonore
Wed Jul 02, 2014 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: How are you doing through the first half of 2014?
Replies: 91
Views: 9311

Re: stamp collection

I haven't looked at Linns lately but typically sheets of commons 3, 4, 5 cent stamps might go for 80% of face. Don't forget you can use 3 - 3 cent stamps with a 42 cent from a few years back to pay current postage. (Not sure if 51 cents is correct current postage but that's the general idea.
by pshonore
Tue Jul 01, 2014 8:28 pm
 
Forum: Personal Consumer Issues
Topic: stamp collection
Replies: 19
Views: 1109

Re: Case Study: Broker speed of dividend payments

Agreed, otherwise they would not know how many shares they owned beneficially (meaning you and I) and how much dividend they were being paid.

As an example, ex-div date for VNQ was 6/24 pay date was 6/30

Also received a dividend for WMB (not an ETF); ex div date was 6/11 pay date was 6/30
by pshonore
Tue Jul 01, 2014 8:12 pm
 
Forum: Investing - Theory, News & General
Topic: Case Study: Broker speed of dividend payments
Replies: 41
Views: 3536

Re: Case Study: Broker speed of dividend payments

Yes, 3-days prior is really the ex-dividend date, so I mis-wrote and have changed my post. TDAmeritrade reinvested VSS late today: http://i61.tinypic.com/29mqbfk.jpg I wish they were more transparent about it. I just feel I didn't get a good price. :annoyed Think we're getting confused here; for st...
by pshonore
Tue Jul 01, 2014 7:45 pm
 
Forum: Investing - Theory, News & General
Topic: Case Study: Broker speed of dividend payments
Replies: 41
Views: 3536

Re: Building a home

One thing that is often overlooked in this comparison is that if you are buying in a subdivision then you are also buying into much different neighborhoods even if the houses are similar. When the houses are new and most of the people are moving into a subdivision at about the same time they often ...
by pshonore
Tue Jul 01, 2014 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Building a home
Replies: 17
Views: 1491

Re: Case Study: Broker speed of dividend payments

I once asked Fido how they determined the "reinvest" price. Here's what the big Dog said: Dividend reinvestments are priced at the average price that the security is purchased by Fidelity. This process typically results in a different reinvestment price than the price that the security is ...
by pshonore
Tue Jul 01, 2014 7:16 pm
 
Forum: Investing - Theory, News & General
Topic: Case Study: Broker speed of dividend payments
Replies: 41
Views: 3536

Re: stamp collection

Go to your local library and see if they have a copy of Linns Stamp News (also available on line). That has quite a few ads and will let you know some buying and selling prices. While you're here see if they have a Scott Catalog. The prices in it are a good measure of relative value and its a good w...
by pshonore
Tue Jul 01, 2014 7:07 pm
 
Forum: Personal Consumer Issues
Topic: stamp collection
Replies: 19
Views: 1109

Re: Oil Royalty LP

Can you be more specific? Thare are a dozen or so Upstream MLPs that extract O&G. There are Royalty Trusts that get paid royalties but report on a 1099. And there are others that kind of mix the two. Probably not too many Bogleheads invest in these but there a few of us who hide in the dark corn...
by pshonore
Tue Jul 01, 2014 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Oil Royalty LP
Replies: 5
Views: 546

Re: 2015 Subaru Outback

Have a 2013 Outback. Not a particularly fun car to drive and not easy to get in and out of if you're over 6 ft tall. I've been driving Ford Expeditions for the last 15 years or so (needed the hauling capacity) and just switched to a RAM pickup. Very comfortable and quiet. However, we bought the Suba...
by pshonore
Tue Jul 01, 2014 2:55 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Subaru Outback
Replies: 18
Views: 2103

Re: Car insurance Medical coverage exhausted

Blue Cross does not provide Auto Insurance AFAIK
by pshonore
Tue Jul 01, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Car insurance Medical coverage exhausted
Replies: 7
Views: 855

Re: Solo 401 K questions

Just so we're all on the same page, can you confirm that your business is taxed as an S-Corp? The fact you're "on salary" suggests that, but it never hurts to ask the question. There is a lot of misunderstandings relative to LLCs
by pshonore
Sun Jun 29, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solo 401 K questions
Replies: 11
Views: 891

Re: Home Appraisal Comps

Here's another question about home buying. Must be the season - there are a lot of these questions lately. When a home is appraised, it is compared against "comps" - other nearby homes of similar size, age, etc. Let's say one of the comps sold for $100k, but the seller paid $5k toward the...
by pshonore
Sun Jun 29, 2014 9:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Home Appraisal Comps
Replies: 12
Views: 838

Re: Case Study: Broker speed of dividend payments

Dividends have shown up for VWO, VNQ and VTI at Fido; all with $ and number of shares resulting from reinvestment.
by pshonore
Sat Jun 28, 2014 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: Case Study: Broker speed of dividend payments
Replies: 41
Views: 3536

Re: Energy companies vs Crude-ETF for commodity exposure?

Hugoton also exists as a Royalty Trust (HGT). Nohing simple about those taxes either
by pshonore
Fri Jun 27, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Energy companies vs Crude-ETF for commodity exposure?
Replies: 21
Views: 1179

Re: Energy companies vs Crude-ETF for commodity exposure?

There are around 20 Master Limited Partnerships (MLPs) that deal directly with the extraction of oil & gas (and another 100 or so that deal with gathering & processing, terminaling, transporting, refining, pipelines and even supplying frac sand). Not a typical Boglehead investment by any str...
by pshonore
Fri Jun 27, 2014 1:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Energy companies vs Crude-ETF for commodity exposure?
Replies: 21
Views: 1179

Re: Best route thru DC on I95

I made that trip on a Sunday a few weeks ago starting in Arlington, VA. From Rt 50 to I 295 North to I 695 to DC 295 (a/k/a the Baltimore/Washington Parkway, not to be confused with I 295), to I 895 and the Harbor Tunnel to 95 North. A few slowdowns but traffic was moving until the split for the Del...
by pshonore
Fri Jun 27, 2014 9:30 am
 
Forum: Personal Consumer Issues
Topic: Best route thru DC on I95
Replies: 23
Views: 1184

Re: Contractor Messed up

I bet popcorn ceilings are gone for good too. Not from my house they're not. When builders stopped hiring skilled drywall installers and started using "laborers" to install ceilings, the resulting visible tape and nail pops were truly revolting. "Popcorn" ceilings were developed...
by pshonore
Fri Jun 27, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: Contractor Messed up
Replies: 45
Views: 2954

Re: Contractor Messed up

Are these solid wood (at least frames, doors and drawer fronts) or is is a finish or laminate? I would doubt there is much price difference between the Maple and Oak. And high quality, solid wood cabinets are NEVER outdated. As you say, it is in a basement. If you like the look, then take the $1K.
by pshonore
Wed Jun 25, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Contractor Messed up
Replies: 45
Views: 2954

Re: Selling stocks, ETFs, & mutual funds

Yes; or you can cancel the order and resubmit with different price at any time.
by pshonore
Wed Jun 25, 2014 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling stocks, ETFs, & mutual funds
Replies: 32
Views: 1429

Re: Help with 85 y.o. parents' retirement portfolio

If your parents income is about $85,000, with a standard deduction and their exemptions they will be in the 15% tax bracket. They should be able to sell a fair amount of the IBM stock with no tax consequences. The IBM stock to too large a percentage of their portfolio. Perhaps being able to sell so...
by pshonore
Wed Jun 25, 2014 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 85 y.o. parents' retirement portfolio
Replies: 53
Views: 4479
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