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Re: What Book Are You Currently Reading? Part VI

Biocentrism: How Life and Consciousness are the Keys to Understanding the True Nature of the Universe Paperback – May 18, 2010 by Robert Lanza
by runner26
Fri Sep 26, 2014 10:39 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 47
Views: 2368

Re: California residents - do you have earthquake insurance?

No. Not all parts of California are at risk. However, I am currently moving to a higher risk area, and will re-evaluate after the move. Well, actually ... I'd venture most of California is at risk. The last few big earthquakes, including the Napa one, occurred along fault lines that were largely un...
by runner26
Tue Aug 26, 2014 10:44 pm
 
Forum: Personal Consumer Issues
Topic: California residents - do you have earthquake insurance?
Replies: 54
Views: 3225

Re: California residents - do you have earthquake insurance?

No. Not all parts of California are at risk. However, I am currently moving to a higher risk area, and will re-evaluate after the move.
by runner26
Tue Aug 26, 2014 7:35 pm
 
Forum: Personal Consumer Issues
Topic: California residents - do you have earthquake insurance?
Replies: 54
Views: 3225

Re: GE Capital Retail Bank 5-Year 2.3% CD

So I am with GE Capital Bank, which seems to be different from GE Capital Retail Bank. I have not received any notice of name changes. They both show the GE logo, but appear to be separate entities. Anyone know the difference?
by runner26
Mon Jun 02, 2014 6:52 pm
 
Forum: Investing - Theory, News & General
Topic: GE Capital Retail Bank 5-Year 2.3% CD
Replies: 75
Views: 8291

Re: Should we have new ducts installed with our new a/c?

Replace ducts?! Seriously? "This article describes Owens Corning Valueflex™ brand gray flex duct failures that appear as loss of the gray plastic duct covering due to brittleness that appears to be caused by exposure to heat (such as in a hot attic), with references to product failures by seve...
by runner26
Wed May 21, 2014 10:18 am
 
Forum: Personal Consumer Issues
Topic: Should we have new ducts installed with our new a/c?
Replies: 19
Views: 1127

Re: Windows XP users

After 2 months, I was generally accepting of my Dell 8700 windows 8.1 system, then yesterday it crashed hard. I spent 2 hours on the phone with a rep in India. All the dell hardware checks worked fine, and no problems were detected. We couldn't get the system to boot in safe mode (which he said he h...
by runner26
Wed Apr 23, 2014 9:23 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 223
Views: 48583

Social Security to resume benefits statement mailings

Social Security to resume benefits statement mailings (sort of) ...Starting this September, the Social Security Administration (SSA) will resume mailings at five-year intervals to workers who have not signed up to view their statements online, an agency spokesman told Reuters. The statements will be...
by runner26
Sun Apr 20, 2014 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security to resume benefits statement mailings
Replies: 8
Views: 1487

Re: Windows XP users

Made the jump 4 days ago from windows XP and IE 8 and outlook express, to a new dell 8700 with windows 8.1 and IE 11 and Outlook for e-mail. After 4 days of pulling what little hair I have out, I am very happy with the new system. Moving e-mail from express to outlook, and getting outlook configured...
by runner26
Tue Feb 18, 2014 10:29 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 223
Views: 48583

Re: Safe Withdrawal Rate

For me, I set the max withdrawal for the year at 3.5% of the year-end balance, but I don't feel compelled to withdraw it all. What I don't use goes back into the pot for the next years 3.5 % calculation. Kind of a variation of Tylor's with a cap.
by runner26
Sun Feb 16, 2014 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rate
Replies: 91
Views: 6113

Re: Vanguard Funds with no money in them

I found the problem with hiding them (unless they have changed it) is when you go to a tab, for example, 5 year performance, it will exclude those hidden funds from the graphs making your history look strange. So I put them back on the display. Why do you care what the 5 year returns are? If you br...
by runner26
Sat Feb 08, 2014 11:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Funds with no money in them
Replies: 10
Views: 1250

Re: Vanguard Funds with no money in them

...You can change which holdings you see on the main page under customized view. You can choose "Hide zero balance accounts". Problem solved. Upper right-hand corner of your "Balances and holdings" page - click on "Customize this page" and go from there. I found the pr...
by runner26
Sat Feb 08, 2014 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Funds with no money in them
Replies: 10
Views: 1250

Re: TurboTax Printout cutoff at bottom

Runner26, ...try to change your printer setup to legal size paper but print with letter size paper. It might work. Actually, that made things worse...It gave it a larger top margin, shifting things down further. HOWEVER, while looking at your suggestion, I saw that the printer driver had another op...
by runner26
Fri Feb 07, 2014 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Printout cutoff at bottom
Replies: 12
Views: 760

Re: TurboTax Printout cutoff at bottom

I am using the downloaded version of TT from Vanguard, updated to the latest version. I am printing the PDF, and Adobe reader is updated to the latest version.
by runner26
Fri Feb 07, 2014 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Printout cutoff at bottom
Replies: 12
Views: 760

Re: TurboTax Printout cutoff at bottom

DSInvestor wrote:Does the printer driver printing preferences have the right paper size? It should be set for letter.

Yes paper size is set to letter.
by runner26
Fri Feb 07, 2014 12:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Printout cutoff at bottom
Replies: 12
Views: 760

TurboTax Printout cutoff at bottom

All my forms are cutoff on the bottom when printing with TurboTax. Someone on the TT forum suggested that using 'print as image' on the print options advanced tab fixed this. It did not. I noticed another selectable item on that tab 'shrink to fit', which I used in conjunction with the print as imag...
by runner26
Fri Feb 07, 2014 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Printout cutoff at bottom
Replies: 12
Views: 760

Re: [What is] wrong with Treasury Direct website?

One thing that always trips me up is that when entering the password, it misses some of the characters. You need to click very slowly and watch that every click was registered.
by runner26
Mon Jan 27, 2014 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: [What is] wrong with Treasury Direct website?
Replies: 79
Views: 5513

Re: Planning impact on court reversal of doma

Pat Cain provides link and comments on:

"National Taxpayer Advocate Nina E. Olson’s 2013 Annual Report to Congress and Same-Sex Couples."

http://law.scu.edu/same-sex-tax/nationa ... x-couples/
by runner26
Sat Jan 11, 2014 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Planning impact on court reversal of doma
Replies: 102
Views: 7663

Re: Discounts for seniors

My city gives a trash pickup discount for 62+, but you have to know about it, and ask for it.
by runner26
Sat Dec 14, 2013 11:48 pm
 
Forum: Personal Consumer Issues
Topic: Discounts for seniors
Replies: 19
Views: 2188

Re: Roth Conversion vs Tax Gain Harvest

Are there other factors to consider? Three things come to mind: 1. I would expect many old-time Bogleheads would have substantial carryover losses from '08-'09. For such people, Roth conversion over gain harvesting is the easy call. No sense in wasting your losses on gains. This is my situation, so...
by runner26
Tue Dec 10, 2013 9:23 pm
 
Forum: Investing - Theory, News & General
Topic: Roth Conversion vs Tax Gain Harvest
Replies: 15
Views: 1138

Re: 2013 TurboTax: Which Product? New Rules?

Dec. 12. See https://personal.vanguard.com/us/insights/taxcenter/qdi/turbotax That's what is says on the page, but I was able to get it today (TurboTax Deluxe 2013). Click on "Get started now and save". You have to be logged in of course. It doesn't look like it to me for the download ver...
by runner26
Fri Dec 06, 2013 11:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 32880

Re: 2013 TurboTax: Which Product? New Rules?

Dec. 12. See https://personal.vanguard.com/us/insights/taxcenter/qdi/turbotax That's what is says on the page, but I was able to get it today (TurboTax Deluxe 2013). Click on "Get started now and save". You have to be logged in of course. It doesn't look like it to me for the download ver...
by runner26
Fri Dec 06, 2013 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 32880

Re: Retiree Poll: Change in Portfolio Value

Love how you live, who needs more stuff anyway. Still quite amazing. Even when I add back all my spending - I'm up 35% in 6+ years and you're up double that in 7+ years. My returns have matched the market (even though I've tried quite hard to find some alpha and beat it). But you've doubled market ...
by runner26
Sat Nov 30, 2013 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: Retiree Poll: Change in Portfolio Value
Replies: 28
Views: 2113

Re: Retiree Poll: Change in Portfolio Value

I retired at the end of 2006, and it is up 73% since then. Wow, that's unreal! Would love to see your portfolio allocations. Just doesn't seem possible with 08/09 in there. I retired in mid 2007 and my portfolio is up 14.5%. Even if I put back in all the money I pulled out to live on since I retire...
by runner26
Fri Nov 29, 2013 1:17 pm
 
Forum: Investing - Theory, News & General
Topic: Retiree Poll: Change in Portfolio Value
Replies: 28
Views: 2113

Re: Retiree Poll: Change in Portfolio Value

I retired at the end of 2006, and it is up 73% since then.
by runner26
Fri Nov 29, 2013 11:39 am
 
Forum: Investing - Theory, News & General
Topic: Retiree Poll: Change in Portfolio Value
Replies: 28
Views: 2113

Re: Withholding change notice from CALPERS/IRS

My new CA withholding form still allows me to stop all federal withholding, or the complicated method, just not a dollar amount, so I could just stop all federal withholding and efile the quarterly payments at that site. The new Ca form also still allows me to withhold Ca taxes with a specific dolla...
by runner26
Fri Nov 15, 2013 11:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Withholding change notice from CALPERS/IRS
Replies: 11
Views: 857

Withholding change notice from CALPERS/IRS

I got a notice from CALPERS today that the IRS will no longer allow them to allow me to do withholding by using a specified amout of dollars, as I have been doing. I MUST now specify a maratial status, withholding allowances and optional additional amount. This has always been hit or miss for me whe...
by runner26
Fri Nov 15, 2013 9:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Withholding change notice from CALPERS/IRS
Replies: 11
Views: 857

Re: turbo tax available dec 12

For Flagship clients, either download or online is free. Flagship clients have household investments of 1 million or more with Vanguard.
by runner26
Thu Nov 14, 2013 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: turbo tax available dec 12
Replies: 8
Views: 893

Re: turbo tax available dec 12

gkaplan wrote:Do you have a link? I don't see it.
https://personal.vanguard.com/us/insigh ... i/turbotax
by runner26
Wed Nov 13, 2013 11:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: turbo tax available dec 12
Replies: 8
Views: 893

turbo tax available dec 12

Vanguard site says TurboTax for 2013 to be available on December 12. It is still free for Flagship clients.
by runner26
Wed Nov 13, 2013 11:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: turbo tax available dec 12
Replies: 8
Views: 893

Re: Total Bond Index NAV is down, but is Yield up?

You can actually see the daily price and daily yield https://personal.vanguard.com/us/funds/tools/pricehistorysearch?radio=1&results=get&FundType=VanguardFunds&FundIntExt=INT&FundId=0584&Sc=1&fundName=0584&fundValue=0584&radiobutton2=1&beginDate=01%2F01%2F2013&...
by runner26
Wed Oct 30, 2013 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Index NAV is down, but is Yield up?
Replies: 41
Views: 2312

Re: I Bonds, CPI, and the Government Shutdown

The government issues regulations for a reason. If the CPI-U for a particular month is not reported by the last day of the following month, we will announce an index number based on the last 12-month change in the CPI-U available. In other words, they get to make one up. This sentence may mean that...
by runner26
Tue Oct 15, 2013 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds, CPI, and the Government Shutdown
Replies: 8
Views: 1641

Re: Government Shutdown/Default [effect on investments]

Well I am wondering how the I-Bond rates will be reset. The CPI release that triggers the reset rate is scheduled for the 16th of Oct (Sept. CPI data), but BLS says the shutdown has caused them to stop collecting CPI data. I can find no information on contingencies. I suppose the options are to go w...
by runner26
Sat Oct 12, 2013 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 28302

Re: Water bill higher than Electric: Rainwater harvesting?

If the landscape plants aren't on drip irrigation, start there. It saves me a lot of water. Combine with bark mulch to save even more.
by runner26
Wed Oct 02, 2013 10:55 pm
 
Forum: Personal Consumer Issues
Topic: Water bill higher than Electric: Rainwater harvesting?
Replies: 30
Views: 1684

Re: Planning impact on court reversal of doma

Frequently Asked Questions for Individuals of the Same Sex Who Are Married Under State Law http://www.irs.gov/uac/Answers-to-Frequently-Asked-Questions-for-Same-Sex-Couples Frequently Asked Questions for Registered Domestic Partners and Individuals in Civil Unions http://www.irs.gov/uac/Answers-to-F...
by runner26
Thu Aug 29, 2013 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Planning impact on court reversal of doma
Replies: 102
Views: 7663

Re: Planning impact on court reversal of doma

Also, as I expected, the IRS will not recognize any domestic partnerships or civil unions from any state as equivalent to marriage. Same-sex couples must get married to get federal recognition. Any same-sex marriage legally entered into in one of the 50 states, the District of Columbia, a U.S. terr...
by runner26
Thu Aug 29, 2013 8:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Planning impact on court reversal of doma
Replies: 102
Views: 7663

Re: Planning impact on court reversal of doma

IRS ruling just in. Same-sex marrages to be recognized for tax purposes in all states where couples now live.
by runner26
Thu Aug 29, 2013 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Planning impact on court reversal of doma
Replies: 102
Views: 7663

Re: GE Capital Bank Online Savings

CaliJim wrote:I've had money parked at GE Capital online savings bank for a few months. FDIC insured. I have moved money in or out from my WF checking a few times. Everything seems to be OK.

Same with me.
by runner26
Tue Aug 20, 2013 10:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: GE Capital Bank Online Savings
Replies: 12
Views: 2618

Re: Nutrition Bars

I use the Hammer Nutrition Bars. Ingrediant list for example, the Almond Raisain bar: Certified Organic Ingredients: Organic Almond Butter, Organic Date Paste, Organic Agave Nectar, Organic Brown Rice Protein, Organic Bio Sprouts™ - Flax, Organic Raisins, Organic Bio Sprouts™ - Quinoa, Organic Sesam...
by runner26
Wed Jul 24, 2013 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Nutrition Bars
Replies: 41
Views: 3419

Re: How many pair of shoes?

1 pair of running trainers
2 pairs of racing flats, 1 for short distance, 1 for long distance
1 pair of daily walkers
1 pair of hikers
1 pair of sandels
1 pair of dress shoes

In order of importance :wink:
by runner26
Wed Jul 03, 2013 3:20 pm
 
Forum: Personal Consumer Issues
Topic: How many pair of shoes?
Replies: 70
Views: 4883

Re: Replacement Parts

Two years ago, I was charged 169 for the capacitor and call. I could have purchased the part for 30, but figure the call worthwhile, since the tech also fully checked the unit and charge as well. While there he took the time to show me how when the capacitor bulges, it is bad, and how to change the ...
by runner26
Tue Jul 02, 2013 9:06 pm
 
Forum: Personal Consumer Issues
Topic: Replacement Parts [Central air conditioning system]
Replies: 9
Views: 783

Re: Gardening, the new year

Current forcast for the next 6 days starting today is 110-111-113-110-110-109. This is totally out of the ordinary for this area in central CA. I hope something in the garden survives! This is getting worse each year, and they are saying it might get hotter, because these numbers are being raised ea...
by runner26
Sat Jun 29, 2013 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Gardening, the new year
Replies: 90
Views: 8626

Re: Planning impact on court reversal of doma

Herzig: The Tax Implications of Windsor "I. Marriage Definition... II. Implications to Tax Code... III. Taxpayer Implications... Further, we are going to have to contemplate the fallout from the Court declaring Section 3 of DOMA unconstitutional. It should have never existed, thus, all returns,...
by runner26
Thu Jun 27, 2013 8:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Planning impact on court reversal of doma
Replies: 102
Views: 7663

Re: Planning impact on court reversal of doma

Pat Cain's blog is always informative. She posted on the fall of DOMA. "One of the most piercing questions is: who will count as married for federal purposes? And, as it turns out, the answer to that question might vary from agency to agency. The Social Security Administration, for example, ......
by runner26
Thu Jun 27, 2013 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Planning impact on court reversal of doma
Replies: 102
Views: 7663

Re: Vanguard GNMA and Total Bond Index

Bill Gross said he was buying 10 year treasuries today. He will probably sell them back to the crowd when rates drop and prices rise. Keep calm and carry on.
by runner26
Wed Jun 19, 2013 10:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard GNMA and Total Bond Index
Replies: 60
Views: 5959

Re: New I-Bond rate?

For those of us with older bonds, new rates will be - Base......New rate 0.0%.....1.18% 0.1%.....1.28% 0.2%.....1.38% 0.3%.....1.48% 0.7%.....1.88% 1.0%.....2.19% 1.1%.....2.29% 1.2%.....2.39% 1.3%.....2.49% 1.4%.....2.59% 1.6%.....2.79% 2.0%.....3.19% 3.0%.....4.20% 3.3%.....4.50% 3.4%.....4.60% 3....
by runner26
Wed Apr 17, 2013 5:01 pm
 
Forum: Investing - Theory, News & General
Topic: New I-Bond rate?
Replies: 32
Views: 4850

Re: I Bond Rate

I held off, but will now purchase them by the end of this month.
by runner26
Tue Apr 16, 2013 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Bond Rate
Replies: 3
Views: 599

Re: Property tax deduction allocation

You may find this Presentation helpful at the same-sex tax blog, regardless of whether this is a same-sex situation. Shared Home Ownership: Who gets to take interest and property tax deductions? http://law.scu.edu/blog/samesextax/shared-home-ownership-who-gets-to-take-interest-and-property-tax-deduc...
by runner26
Mon Mar 11, 2013 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Property tax deduction allocation
Replies: 14
Views: 1100
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