Search found 1342 matches

Return to advanced search

Re: Sales tax question

It's where you're buying. It doesn't matter if you pay with a credit card from that zip code or any other, whatever the sales tax rate is for that county is what is charged. For instance, in Ohio this is the chart by county: http://www.tax.ohio.gov/portals/0/tax_analysis/tax_data_series/sales_and_us...
by runner9
Sat Jan 24, 2015 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sales tax question
Replies: 10
Views: 651

Re: Refinance?

I'd wait for simplicity, but that's just me.
by runner9
Fri Jan 23, 2015 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance?
Replies: 7
Views: 491

Re: Vanguard added security! [2 factor authentication option

Isn't this topic already discussed here?

viewtopic.php?f=11&t=151362
by runner9
Fri Jan 23, 2015 7:09 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 18162

Re: I'm thinking about making very large 529 contributions A

We put in every 2 weeks, I might put in 1 years worth if it feel right/change coming/etc in the future. Not now though.
by runner9
Wed Jan 21, 2015 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm thinking about making very large 529 contributions ASAP
Replies: 63
Views: 4188

Re: Trying to understand index funds

Better answers coming I'm sure, but a mutual fund tracks an index, which is based on company size, etc. The fund buy everything that meets the criteria. It's not someone picking a few stocks they think are likely to be successful.
by runner9
Tue Jan 20, 2015 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: Trying to understand index funds
Replies: 14
Views: 1185

Re: Downside of putting condo in a trust

Estate planning is state-dependent. Be weary of asking questions pertaining to trusts on a forum because a person's perspective in CA will be completely different than a person's perspective in OH. Probate can be a snap in some states, and it can be a long, drawn-out slog in another. True, if in Oh...
by runner9
Mon Jan 19, 2015 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Downside of putting condo in a trust
Replies: 29
Views: 2814

Re: Suze Orman: $100 into $860k, and cfiresim

http://www.suzeorman.com/the-suze-orman-show Or just google "suze orman show ending" It was announced in November, not sure she hasn't said anything on the show, and even said she's looking forward to 2015, etc. She'll have a new 30 minute, 5 day a week syndicated "people court"...
by runner9
Sun Jan 18, 2015 10:22 pm
 
Forum: Investing - Theory, News & General
Topic: Suze Orman: $100 into $860k, and cfiresim
Replies: 47
Views: 5091

Re: Suze Orman: $100 into $860k, and cfiresim

Her show ends in March, so only a few more episodes for "investing advice"
by runner9
Sun Jan 18, 2015 10:15 pm
 
Forum: Investing - Theory, News & General
Topic: Suze Orman: $100 into $860k, and cfiresim
Replies: 47
Views: 5091

Re: Amex Fidelity CC 2% Cash Back

We got a new card # when the Target hack happened, the auto pay continued working just fine.
by runner9
Sun Jan 18, 2015 6:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 5259

Re: Amex Fidelity CC 2% Cash Back

Every time my Fidelity Amex hits $50 in rewards, it automatically gets sent to my "brokerage" account at Fidelity (which stays empty). Once that transfer occurs, I simply transfer that amount to my bank. Very easy. Are we talking about the same card? I don't think I have to wait for $50 t...
by runner9
Thu Jan 15, 2015 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 5259

Re: Amex Fidelity CC 2% Cash Back

We've had the card since July, 2010. We've had no issues. New card when Target hack happened, possibly one other time. No other issues, it's great and we charge everything on it, except where AMEX isn't taken.
by runner9
Wed Jan 14, 2015 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 5259

Re: Vertex42 Excel Stock Quote Template stop working

Just received a quote for VVIAX (Vanguard Value Index - Admiral) but others are still not returning anything. But hey, at least it's not returning a webpage on the quote tab in my excel doc.
by runner9
Sun Jan 11, 2015 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: Vertex42 Excel Stock Quote Template stop working
Replies: 39
Views: 4418

Re: Updated opinions about Ally Bank?

We've had CDs with ally for a few years and moved our checking and savings to them in September. No complaints here.
by runner9
Tue Jan 06, 2015 12:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Updated opinions about Ally Bank?
Replies: 74
Views: 10658

Re: Amazon.com price roller coster

Right on the cart page it states: "The price and availability of items at Amazon.com are subject to change. The Cart is a temporary place to store a list of your items and reflects each item's most recent price."
by runner9
Sun Jan 04, 2015 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Amazon.com price roller coster
Replies: 34
Views: 5161

Re: Lightbulbs in Fully Enclosed Recessed Fixtures

My Cree LED bulb package says, under Cautions and Warnings: "Do not use in multi-bulb enclosed fixtures together with other bulb technologies (e.g. incandescent, halogen, CFL, etc)"

My understanding is it's a heat issue and all bulbs can be LED or none can, but not a mix.
by runner9
Sun Jan 04, 2015 10:36 am
 
Forum: Personal Consumer Issues
Topic: Lightbulbs in Fully Enclosed Recessed Fixtures
Replies: 57
Views: 4224

Re: Penfed credit card blocked

Regardless, aren't there better cards for everyday use anyway? Penfed is a pure price play; you don't expect competitive service. Penfed is the ultimate card to use for gas purchases IMO.... for anything else the 0.25% cash back is very low. The 0.25% was eliminated about a year ago, it's only 5% b...
by runner9
Sat Jan 03, 2015 8:02 am
 
Forum: Personal Consumer Issues
Topic: Penfed credit card blocked
Replies: 15
Views: 2293

Re: H&R Block Tax Software - Low Prices at Amazon

Thrift Shop wrote:Darn. Yesterday I paid $34 for this software.


If you did so at Amazon most people post success contacting them and asking for the price difference, if they lowered the price within a few days.
by runner9
Sat Jan 03, 2015 7:58 am
 
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software - Low Prices at Amazon
Replies: 38
Views: 2278

Re: Appalachian Trail thru-hike in retirement?

To be clear, a Lyme disease vaccine was available from 1998 to 2002 when it was withdrawn, with no plans to make it available again (search google if you want more info) I've read several travel narrative type books of people thru hiking, it's probably something I'll never get to do but the books ha...
by runner9
Fri Jan 02, 2015 10:49 am
 
Forum: Personal Consumer Issues
Topic: Appalachian Trail thru-hike in retirement?
Replies: 49
Views: 4326

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2145.82
by runner9
Fri Jan 02, 2015 9:46 am
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19721

Vanguard Internationals: VTPSX compared to VFWAX + VSS

As I do my end of the year recording, resetting of XIRR, etc I realize that we will soon be filling the allocation my wife’s 457 contribution is going into. Therefore I need to find another fund the 457 offers to start filling. We’ve been slice and dice. I wouldn’t be opposed to a total stock market...
by runner9
Thu Jan 01, 2015 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Internationals: VTPSX compared to VFWAX + VSS
Replies: 2
Views: 258

Re: Mechanics of Gifting Vanguard Shares to NRA Spouse

I have no ideas but was curious about the $145K figure. It does appear to be correct.

https://www.hsdl.org/?view&did=755134

This article might provide some insight.
by runner9
Thu Jan 01, 2015 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Mechanics of Gifting Vanguard Shares to NRA Spouse
Replies: 9
Views: 1444

Re: 457 Plan & Variable Annuities

My wife has had an account with Ohio457 for about a year and a half. We get Vanguard funds with lower ERs than we can get on our one. The customer service has been good, the amount taken out of per paycheck is deposited/purchases funds the same day (e.g paid on Friday it's in the account Sat. mornin...
by runner9
Tue Dec 30, 2014 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: 457 Plan & Variable Annuities
Replies: 9
Views: 1085

Re: 457 Plan & Variable Annuities

I see from a prior post you live in Ohio. Look at http://www.ohio457.org Your wife should be eligible if she works for a public university. You won't find lower fund rates.
by runner9
Mon Dec 29, 2014 11:14 am
 
Forum: Investing - Help with Personal Investments
Topic: 457 Plan & Variable Annuities
Replies: 9
Views: 1085

Re: Vertex42 Excel Stock Quote Template stop working

Thank you, that worked! I had on my do to list to learn what a macro was and create one, but I hadn't done it yet.
by runner9
Mon Dec 29, 2014 7:49 am
 
Forum: Investing - Theory, News & General
Topic: Vertex42 Excel Stock Quote Template stop working
Replies: 39
Views: 4418

Re: Vertex42 Excel Stock Quote Template stop working

It is on the ribbon in Office 2010 (and works great). Did have a little trouble loading the add-in. Is he Excel 32 vs 64 bit an Office 2013 "feature"? The 64 bit would not load but 32 bit is working well I'm also stuck. It worked great this morning, now I go back into Excel and there's no...
by runner9
Wed Dec 24, 2014 7:53 pm
 
Forum: Investing - Theory, News & General
Topic: Vertex42 Excel Stock Quote Template stop working
Replies: 39
Views: 4418

Re: Vertex42 Excel Stock Quote Template stop working

This is why I built my own spreadsheet. I got tired of depending on MS functions, to track my portfolio. It was quite easy to make a spreadsheet that does everything I need, including telling me when to rebalance when any asset gets over 5% off. Life is much better with automation that doesn't keep...
by runner9
Wed Dec 24, 2014 7:37 am
 
Forum: Investing - Theory, News & General
Topic: Vertex42 Excel Stock Quote Template stop working
Replies: 39
Views: 4418

Re: Vertex42 Excel Stock Quote Template stop working

Ran into the same problem. Luckily, this add-in seems to have done the trick: https://pmstockquote.codeplex.com/ Thanks, this one worked well. My old one allowed me to see the change from the previous day (just an interest, never acted on it) This one only seems to allow to see the current price. A...
by runner9
Wed Dec 24, 2014 7:12 am
 
Forum: Investing - Theory, News & General
Topic: Vertex42 Excel Stock Quote Template stop working
Replies: 39
Views: 4418

Re: Vertex42 Excel Stock Quote Template stop working

I have the same issue. I previously used an MSNMoney add-on, then switched to what is built in to Excel 2010. I have my table but when I click to update data the table changes to a text version of the website:(

Guessing I have to change yet again...
by runner9
Tue Dec 23, 2014 9:02 am
 
Forum: Investing - Theory, News & General
Topic: Vertex42 Excel Stock Quote Template stop working
Replies: 39
Views: 4418

Re: Series EE Bonds

There is some kind of tax break for EE Bonds if used for education. Not in this case, if purchased for OP at birth. https://www.treasurydirect.gov/indiv/planning/plan_education.htm You must be at least 24 years old on the first day of the month in which you bought the bond(s). When using bonds for ...
by runner9
Mon Dec 22, 2014 8:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Series EE Bonds
Replies: 12
Views: 1812

Re: Gas Prices ($1.99) in North Texas

To make this actionable: AP story last week said people don't shop around for gas when it's cheaper and they fill up more, instead of just $5 or $10 at a time when more expensive. Personally, I always shop for cheapest gas, within reason, but lately have only put in a half tank at most, as it's fal...
by runner9
Sun Dec 21, 2014 8:48 am
 
Forum: Personal Consumer Issues
Topic: Gas Prices ($1.99) in North Texas
Replies: 45
Views: 3090

Re: What to do if someone is using your home address?

What kind of mail are you getting? Offers, statements, catalogs, junk mail, all of the above?
by runner9
Sat Dec 20, 2014 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do if someone is using your home address?
Replies: 25
Views: 2894

Re: My Fund is Down?! It's Distribution Time!!

I'm confused? A cash credit no reason or what?
by runner9
Thu Dec 18, 2014 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 151
Views: 22877

Re: Home battery storage

Thanks.

I might just make that one, or make it bigger like this one:

http://www.thedailysheeple.com/attention-men-pinterest-is-a-prepping-goldmine_122013/img_1406
by runner9
Thu Dec 18, 2014 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Home battery storage
Replies: 21
Views: 2223

Re: Yahoo mail

Mine shows correctly. Often during weekdays, mid part of the day, the whole inbox and folders are unavailable on and off on a regular basis. For me though it's always either working or always not working, never just showing some e-mails.
by runner9
Thu Dec 18, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Yahoo mail [problems]
Replies: 29
Views: 2143

Re: vanguard IRA to Roth conversion question

Assuming the Vanguard Roth IRA account is already established, all you have to do to convert from TIRA to Roth IRA is exchange from the fund in your TIRA to a fund in your Roth IRA. When the vanguard website sees that you're exchanging from TIRA to Roth IRA, it will know that is a Roth conversion a...
by runner9
Wed Dec 17, 2014 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: vanguard IRA to Roth conversion question
Replies: 7
Views: 653

Re: 10% off Target GiftCards - Black Friday Preview

I received an e-mail last Thursday at 2am (12/11) that it shipped and yesterday (12/15) it arrived in a regular envelope, clearly from Target. It's a generic Target gift card, not the design I picked or the design they said they were sending but I don't care about that, just glad it finally arrived.
by runner9
Tue Dec 16, 2014 1:12 pm
 
Forum: Personal Consumer Issues
Topic: 10% off Target GiftCards - Black Friday Preview
Replies: 35
Views: 6114

Re: vanguard IRA to Roth conversion question

Go to the traditional line and click exchange. It will show on the left. On the right select the Roth you're converting into. Select the fund it should go into.

I just did this last week with no issues. It did bring up tax warnings, etc.
by runner9
Tue Dec 16, 2014 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: vanguard IRA to Roth conversion question
Replies: 7
Views: 653

Re: Most/Least Boglehead 2014 Activity?

Already posted but forgot: switched to Ally Bank in Sept. More convenient for deposits and using any ATM, plus 7 times more interest than old brick and mortar bank.
by runner9
Tue Dec 16, 2014 8:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 9437

Re: Need help with men's exercise clothes please

Under Armour is pricey, in my opinion. I like C9, Target's brand. Regardless you want something that wicks away moisture. Does he do any races? They give away shirts that (often but not always) are wicking.
by runner9
Mon Dec 15, 2014 5:23 pm
 
Forum: Personal Consumer Issues
Topic: Need help with men's exercise clothes please
Replies: 55
Views: 3849

Re: Went "all in" Nov 17-21 in VTTHX (2035) - worried...

You'll be locking in the loses. Depending on the fund, if it has a hold on buying again in 2 months after selling, you won't be able to buy again for 2 months...
by runner9
Mon Dec 15, 2014 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Went "all in" Nov 17-21 in VTTHX (2035) - worried...
Replies: 26
Views: 3443

Re: Please help. IPad spoiling my Christmas surprises

If using a computer (not Ipad) download "Adblock Plus" It's free, just google it and the name of the browser you want to add it onto.

It's seriously the greatest thing ever, I see about 1 ad every couple of months, it blocks all the rest automatically.
by runner9
Sun Dec 14, 2014 3:43 pm
 
Forum: Personal Consumer Issues
Topic: Please help. IPad spoiling my Christmas surprises
Replies: 19
Views: 2643

Re: Humidifiers?

For our son we used a simple Frog one when he was sick. It adjusted and worked well, the key was the adjustment knob. I think it's $25 or $30 at Target, etc.
by runner9
Sun Dec 14, 2014 2:56 pm
 
Forum: Personal Consumer Issues
Topic: Humidifiers?
Replies: 14
Views: 1001

Re: Most/Least Boglehead 2014 Activity?

Paid off our mortgage, maxed a 457b (in addition to 2 Roths), conversion on a 5.5K rollover IRA to roth done.
by runner9
Sun Dec 14, 2014 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 9437

Re: Online Videos Make DIY Easy

Agreed with retitling if you're really looking for treadmill advice. I agree about DIY videos for sure, I can't imagine starting/learning/being a homeowner before the internet!
by runner9
Sat Dec 13, 2014 9:53 pm
 
Forum: Personal Consumer Issues
Topic: Online Videos Make DIY Easy
Replies: 5
Views: 984

Re: Gutters, drains and such

When I put up Christmas Lights a few weeks ago I cleaned out some leaves, a lot of worn off roof "bits", etc. Good advice!
by runner9
Sat Dec 13, 2014 9:52 pm
 
Forum: Personal Consumer Issues
Topic: Gutters, drains and such
Replies: 2
Views: 1076

Re: friend has $70K; wants income from it

What's her age, account balances, Emergency fund balances? Where is she moving? buying, renting? etc.
by runner9
Sat Dec 13, 2014 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: friend has $70K; wants income from it
Replies: 11
Views: 2174
Next

Return to advanced search