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Re: When Capital gains are paid out on a fund does the share

What I love about index funds is you control your taxes that is not true with active managed funds.
by rec7
Fri Oct 31, 2014 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 15
Views: 546

Re: Homeowners Policy Increased 26% in 2 Years

It does strike me, too, that insurance pricing is getting more and more like cable/satellite pricing. That is, when you call and threaten to cancel, they "magically" find some way to shave a couple hundred off your bill. The last time I called State Farm, they "discovered" that ...
by rec7
Fri Oct 31, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Homeowners Policy Increased 26% in 2 Years
Replies: 10
Views: 852

Re: When Capital gains are paid out on a fund does the share

I have a very low income but these funds can still cause me to have a large tax bill. I thought I would be in good shape with my low income but that only protected me so much.
by rec7
Fri Oct 31, 2014 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 15
Views: 546

Re: When Capital gains are paid out on a fund does the share

placeholder wrote:Just to clarify we're talking about capital gains distributions not realized gains from share value appreciation.


Yes it is a capital gains distribution.
by rec7
Fri Oct 31, 2014 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 15
Views: 546

Re: When Capital gains are paid out on a fund does the share

Thanks everyone for helping me understand. There are a couple of non index funds I like but this point drives me crazy about them. You can get big tax bill and nothing to show for it. Also they might no have capital gains for several years then have a huge gain one year causing you to have a big tax...
by rec7
Fri Oct 31, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 15
Views: 546

Re: When Capital gains are paid out on a fund does the share

So if I had a fund that had a 60k capital gain in one year I would have a tax bill but no more money in the fund.
by rec7
Fri Oct 31, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 15
Views: 546

When Capital gains are paid out on a fund does the share

When Capital gains are paid out on a fund does the share price drop?
by rec7
Fri Oct 31, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 15
Views: 546

Re: Family Car Insurance Review Requested

It is hard to go on a message board to determine whether the rates seem reasonable since MOST auto insurance is based on the specific area codes. I would NOT recommend GEICO as the three times I have sought quotes, I have experienced the "hard sell.". That is not a good way to purchase a ...
by rec7
Wed Oct 29, 2014 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family Car Insurance Review Requested
Replies: 20
Views: 981

Re: Family Car Insurance Review Requested

Call Geico I think you will be shocked. Please update us if you do. They were 25% less for me.
by rec7
Tue Oct 28, 2014 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family Car Insurance Review Requested
Replies: 20
Views: 981

Re: How much do you keep in bucket one for those that use th

OP: Working on your initial premise (retiring at 55), 7.5 years would posit 100% equities at age 62 1/2. I, for one, would not regard that as "safe". You might consider the impact of "sequence of returns" (many threads and posts herein). If you have a FI "bucket" which...
by rec7
Mon Oct 27, 2014 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in bucket one for those that use the
Replies: 7
Views: 1281

Re: How much do you keep in bucket one for those that use th

the stock market surpassed its 1929 precrash high in March 1937 — 7½ years later

I was thinking of this much or more so I could sleep well at night. If you have 7.5 years in bucket one should you be able to put all your other money in the market would that be safe?
by rec7
Mon Oct 27, 2014 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in bucket one for those that use the
Replies: 7
Views: 1281

How much do you keep in bucket one for those that use the

How much do you keep in bucket one for those that use the bucket system? If I retired at 55 would 55% be to high because I don't like bonds. I would like to put 55% in CD's. That would be about 19 years in bucket one.
by rec7
Mon Oct 27, 2014 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in bucket one for those that use the
Replies: 7
Views: 1281

Re: Store or cut up un-needed credit cards?

tc101 wrote:I have had some cards for years with no activity and they don't get closed. The companies send me new cards.


Are they big name banks? I heard some can get closed with one year of no use.
by rec7
Sun Oct 26, 2014 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Store or cut up un-needed credit cards?
Replies: 28
Views: 2464

Re: Gross Yearly Income needed in Retirement (Speculation)

We need about 16k a year. Umm, $16k a year is way low for one person, not to mention a We. I know someone who pays just over $800 a month for ACA health insurance in retirement (not eligible for Medicare). And that's just one expense category. You are not factoring in all expenses to get that numbe...
by rec7
Sat Oct 25, 2014 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 12466

Re: How often do you change your car's oil?

Every 5000 miles like the manual says, give or take a few hundred. I doubled the amount of recommended time and miles. I think the only purpose of the oil is to cool down the engine, which does not need new oil. Technically the engine is cooled via the radiator. :wink: The oil is there for lubricat...
by rec7
Fri Oct 24, 2014 7:27 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6241

Re: How often do you change your car's oil?

Every ~5000 miles or earlier if the oil looks especially dirty using non-synthetic. I have been known to go longer if the oil looks fairly clean. Years ago I used to just change it when it didn't really look like oil anymore. :D Personally, I think in most modern engines you are going to break some...
by rec7
Fri Oct 24, 2014 1:54 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6241

Re: What is the best way to sell guns and get the best price

Be very careful to comply with all local, state, and federal firearm transfer laws. Be especially careful when transferring across a state line. Consult a licensed firearms broker or local law enforcement to make sure you're doing things properly. I should have added that I own no handguns. Let's s...
by rec7
Tue Oct 21, 2014 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the best way to sell guns and get the best price?
Replies: 20
Views: 1107

What is the best way to sell guns and get the best price?

I have several hunting guns that I no longer use or need. What is the best way to sell guns and get the best price?
by rec7
Tue Oct 21, 2014 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the best way to sell guns and get the best price?
Replies: 20
Views: 1107

Re: Advice sought for $6M investment

If I were you I would quit working tax problems solved.
by rec7
Mon Oct 20, 2014 5:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice sought for $6M investment
Replies: 36
Views: 3714

Re: How do you wash your car?

I wash my car about twice a year.
by rec7
Mon Oct 20, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6840

Re: Is it possible to have a favorite movie

I said It's a wonderful life but it was a close call between it and Ben Hur.
by rec7
Sat Oct 18, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3194

Re: Is it possible to have a favorite movie

It's a wonderful life. I love all the up's and down's in it. I also like how one man's life has so much meaning in it.
by rec7
Fri Oct 17, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3194

Re: need a new home page [browser default page]

Try http://www.ighome.com/ It took the place of iGoogle when they shut that down. Thank You love looking at the market and weather only all at the top of the page. Even got the radar up there. You're welcome. McCharley had also recommended it, in the post right above mine. Well thanks everybody I l...
by rec7
Fri Oct 17, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: need a new home page [browser default page]
Replies: 25
Views: 1912

Re: need a new home page [browser default page]

astrohip wrote:Try http://www.ighome.com/

It took the place of iGoogle when they shut that down.


Thank You love looking at the market and weather only all at the top of the page. Even got the radar up there.
by rec7
Fri Oct 17, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: need a new home page [browser default page]
Replies: 25
Views: 1912

Re: need a new home page [browser default page]

On google can you get the weather, s&p and the dow on the front page?
by rec7
Wed Oct 15, 2014 7:16 pm
 
Forum: Personal Consumer Issues
Topic: need a new home page [browser default page]
Replies: 25
Views: 1912

Re: What have you done to cut costs this year?

I've cut my own hair for decades. It really is easy to learn, and then it comes out exactly the way you want it. Plus saves a minimum of $35 a cutting. Very interesting, 1983 was the last time I paid for a hair cut, and I used to go to the barbershop on the 1st and 15th of the month. You are saving...
by rec7
Sun Oct 12, 2014 11:42 am
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 105
Views: 8341

Re: Relocating to a tax free state with good weather need ad

retiredjg wrote:Reno might work. Probably cooler than Las Vagas.


That would be another good one.
by rec7
Sat Oct 11, 2014 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3624

Re: Relocating to a tax free state with good weather need ad

flyingaway wrote:I am wondering why many people move to Florida in retirement, not to Las Vegas. I think Las Vegas also has no income tax, has warm weather in summer. (I have not been there in winter yet).


Both have no income tax.
by rec7
Sat Oct 11, 2014 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3624

Re: Relocating to a tax free state with good weather need ad

Hayden wrote:You'll find lower costs in the Eastern part of Washington, e.g., Spokane and Tri-Cities.


Off the top of my head I thought of Spokane, Amarillo and maybe Rapid City, SD.
by rec7
Sat Oct 11, 2014 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3624

Re: Best town I've never heard of [for relocating]

letsgobobby wrote:Nowhere in Texas has 4 distinct seasons, let's be serious. There's variations of hot, hot and humid, very hot and dry, and then mild winters with the occasional snow/ice storm.



How about Amarillo?
by rec7
Sat Oct 11, 2014 2:33 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 9787

Relocating to a tax free state with good weather need advice

I am thinking about relocating to a tax free state with good weather. I am not a fan of humid summers or a very cold winter. What cities would you recommend?
by rec7
Sat Oct 11, 2014 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3624

Re: Critically Acclaimed Movies you did not like

pinebarrens1 wrote:Star Wars....awful, couldn't watch the whole thing.


Me too I am a treky but I never got Star Wars. As a disclaimer I know the 4th Star Trek movie ( the one with the whales) was the pits.
by rec7
Sat Oct 11, 2014 12:25 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8273

Re: What have you done to cut costs this year?

I've cut my own hair for decades. It really is easy to learn, and then it comes out exactly the way you want it. Plus saves a minimum of $35 a cutting. Very interesting, 1983 was the last time I paid for a hair cut, and I used to go to the barbershop on the 1st and 15th of the month. You are saving...
by rec7
Sat Oct 11, 2014 12:12 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 105
Views: 8341

Re: OTA HDTV - Best antenna to use?

Tried the Mohu Leaf Ultimate it was a dud for me I live in a valley. I even put it up in the attic and no good. My big antenna from the 80's does a much better job.
by rec7
Fri Oct 03, 2014 8:44 pm
 
Forum: Personal Consumer Issues
Topic: OTA HDTV - Best antenna to use?
Replies: 54
Views: 6469

Re: Does insulating attach'd unheated garage improve efficie

We have a non heated insulated garage. I think it helps because no matter how cold it gets outside water in the garage does not freeze. I am talking about water on the floor of the garage from melted snow.
by rec7
Thu Oct 02, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Does insulating attach'd unheated garage improve efficiency
Replies: 20
Views: 1700

Re: What bumps were along your road?

Having bad grades in school no matter how hard I tried. I just had a learning disability. In other areas in life I shined but a lot of those areas are not tested. So at times that would get me down.
by rec7
Thu Oct 02, 2014 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: What bumps were along your road?
Replies: 44
Views: 3133

Re: Automobile Data

Thanks I try to buy American and common.
by rec7
Thu Oct 02, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: Automobile Data
Replies: 1
Views: 248

Re: Had a bad experience with Amica

Anybody have a house older that 1960's with Amica?
by rec7
Thu Oct 02, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Had a bad experience with Amica
Replies: 25
Views: 2037

Re: Need advice helping my father (phone scammer)

Chase wouldn't ask for this information, especially not when applying for credit. The instant you apply, they will seek your assent to pull reports from the CRAs. Chase will get all of that information via the credit report, and a whole lot more. This is wrong. Chase often asks me about my other cr...
by rec7
Wed Oct 01, 2014 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Need advice helping my father (phone scammer)
Replies: 21
Views: 2163

Re: OTA HDTV - Best antenna to use?

Would a Mohu Leaf work in a brick house?
by rec7
Wed Oct 01, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: OTA HDTV - Best antenna to use?
Replies: 54
Views: 6469

Re: Investing Podcasts

It is a little off investing but I listen to Clark Howard and love it. It is money related.
http://www.podcastone.com/The-Clark-How ... sodes=true
by rec7
Tue Sep 30, 2014 10:22 pm
 
Forum: Personal Consumer Issues
Topic: Investing Podcasts
Replies: 4
Views: 569

How long does it take to break in a boot like this

http://www.jcpenney.com/shoes/boots/skechers-verdict-mens-leather-work-boots/prod.jump?ppId=16afb46&Ns=BS&searchTerm=skechers+mens&catId=SearchResults&_dyncharset=UTF-8&colorizedImg=0900631B819AF627M.tif I wore it for a couple of hours today and it did not feel good. How many of ...
by rec7
Tue Sep 30, 2014 10:12 pm
 
Forum: Personal Consumer Issues
Topic: How long does it take to break in a boot like this
Replies: 9
Views: 1226

Re: [which] toilet paper [from walmart.com?]

Can't believe that I am reading about toilet paper on this site. Have no idea which product my wife has been buying for many years and really don't care. I try to ignore this thread but inexplicably keep getting drawn back to read it. Where is Alex or Lady Geek when we need them for cultural sensib...
by rec7
Fri Sep 26, 2014 8:09 pm
 
Forum: Personal Consumer Issues
Topic: [which] toilet paper [from walmart.com?]
Replies: 36
Views: 2969

Re: [which] toilet paper [from walmart.com?]

... it doesn't matter how cheap it is, the kind of single-ply tissue that comes 1000 sheets to a roll is just plain gross. As someone who is in the middle of a hugely expensive septic system upgrade I have become more aware of what it mean to be septic-safe, as pretty much all of the brands claim t...
by rec7
Fri Sep 26, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: [which] toilet paper [from walmart.com?]
Replies: 36
Views: 2969

Re: [which] toilet paper [from walmart.com?]

I would buy it in the store in bulk if you have the room to store it. That is what we do with the great value version of scott's.
by rec7
Fri Sep 26, 2014 3:16 pm
 
Forum: Personal Consumer Issues
Topic: [which] toilet paper [from walmart.com?]
Replies: 36
Views: 2969

Re: Need advice helping my father (phone scammer)

Chase wouldn't ask for this information, especially not when applying for credit. The instant you apply, they will seek your assent to pull reports from the CRAs. Chase will get all of that information via the credit report, and a whole lot more. This is wrong. Chase often asks me about my other cr...
by rec7
Thu Sep 25, 2014 2:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice helping my father (phone scammer)
Replies: 21
Views: 2163

Re: Need advice helping my father (phone scammer)

As a sidenote I think it is great that your dad and you communicate about this stuff. Too many victims are embarrassed and don't take steps to protect themselves, sometimes for fear of loss of independence. It could happen to a lot of people. I must say the scammer's timing was great. If my dad had...
by rec7
Thu Sep 25, 2014 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Need advice helping my father (phone scammer)
Replies: 21
Views: 2163

Re: What did you always wish for but never got?

CountryBoy wrote:Peace of mind.


Well he you go https://www.youtube.com/watch?v=WGRrOEbY3pI

I always liked man i'll never be https://www.youtube.com/watch?v=Gmc_t7m2pC4

But I got that so I guess it does not count.
by rec7
Wed Sep 24, 2014 3:18 pm
 
Forum: Personal Consumer Issues
Topic: What did you always wish for but never got?
Replies: 87
Views: 5320
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