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What should I look for in an accountant?

I am shopping for a new accountant for my personal taxes. Any advice on what to look for? suggestions for questions I should ask? red flags I should look for? Thanks in advance!
by spin_echo
Mon Feb 23, 2015 10:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: What should I look for in an accountant?
Replies: 5
Views: 561

Re: What Movie Have You Recently Watched?

NIghtcrawler -F-, blah -basically a character study of a sociopath. Watched 30 minutes and quit watching. I can't believe this was so highly rated on rottentomatoes.com. I feel duped.
Predestination - B+, great time travel mind bender
Guardians of the Galaxy - A, actually bought this one.
by spin_echo
Tue Feb 17, 2015 8:54 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 573
Views: 70959

Re: Mac reliability?

I switched over to Apple about 10 years ago. I have had 4 apple computers - two had hard drive failures while under applecare (one at 1 year the other at 2.5 years) and the hard drives were replaced by Apple. The other two (5 years old and 10 years old) have had no problem. So, not sure if the relia...
by spin_echo
Sun Feb 01, 2015 7:54 am
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 89
Views: 4529

Re: Pull-ups and Push-ups

I like body weight exercises, so I gave this a go
Plank: About 3 minutes (did not think this would be hard but wow, way painful.)
Wall sit: 2 minutes
Pushups: 40
Deadhang pullups: 20
by spin_echo
Sun Jan 11, 2015 5:26 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 360
Views: 52655

Re: What did you enjoy spending money on this year?

travel to see family
kindle books
itunes movies
by spin_echo
Thu Jan 01, 2015 4:51 pm
 
Forum: Personal Consumer Issues
Topic: What did you enjoy spending money on this year?
Replies: 92
Views: 6061

Re: What Book Are You Currently Reading? Part VI

In the Kingdom of the Ice (north pole exploration, not as good as the Shackleton books) The Warrior's Apprentice, Shards of Honor, Barrayar (really enjoyed, looking forward to reading the rest!) Basalisk Station (David Weber -- meh, will probably try another but was a little disappointed) Excession ...
by spin_echo
Tue Dec 09, 2014 9:49 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 511
Views: 68899

Re: treasuries discount versus premium?

Thanks - this was very helpful. I am holding in taxable, so I ended up buying some of the 1.5% 5 year as a slight discount. For the future, buying at auction seems like the best option. I have a treasury direct account but would prefer to buy through vanguard -- do you have to go through treasury d...
by spin_echo
Tue Dec 09, 2014 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: treasuries discount versus premium?
Replies: 9
Views: 712

Re: treasuries discount versus premium?

Thanks - this was very helpful. I am holding in taxable, so I ended up buying some of the 1.5% 5 year as a slight discount. For the future, buying at auction seems like the best option. I have a treasury direct account but would prefer to buy through vanguard -- do you have to go through treasury di...
by spin_echo
Tue Dec 09, 2014 7:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: treasuries discount versus premium?
Replies: 9
Views: 712

treasuries discount versus premium?

Hi,

I would like to buy individual 5 year treasuries and would be interested if anyone has advice regarding buying at a premium versus discount. I plan to hold to maturity at Vanguard.

Thanks in advance, and sorry if this is a topic that has been beat to death previously.

Spinecho
by spin_echo
Sat Dec 06, 2014 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: treasuries discount versus premium?
Replies: 9
Views: 712

Re: A 'really good book' you did NOT enjoy

1. Great Expectations and Wuthering Heights, both were required reading in high school.
2. Atlas Shrugged, despite the fact I liked the Fountainhead.
by spin_echo
Sat Sep 06, 2014 6:17 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 12521

Re: Personal Life subforum?

I am against a personal life subforum, for all the reasons listed by previous posters. Thanks!
by spin_echo
Thu Jun 19, 2014 9:06 pm
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 8951

Re: When did you tell your children how much you had amassed

I vote no. A 12 year old may misunderstand the implications of having a million dollars, and then may wonder why his millionaire "rich" parents aren't willing to buy him x,y or z thing that he wants or his friends have. I think it is hard to understand the value of money until you have you...
by spin_echo
Sat May 17, 2014 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: When did you tell your children how much you had amassed
Replies: 135
Views: 11582

Re: What Book Are You Currently Reading? Part V

Moneyball
A Deepness in the Sky (Vernon Vinge)
by spin_echo
Fri Mar 28, 2014 6:15 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1271142

Re: Another Roku question

Have been using my roku for 2 years wirelessly.
by spin_echo
Sat Mar 22, 2014 9:10 pm
 
Forum: Personal Consumer Issues
Topic: Another Roku question
Replies: 6
Views: 922

Re: Bogleheads.org Home Page Updated

Thank you so much for the work you put into this! I doubt there are many forums that are so responsive to feedback, amazing!
by spin_echo
Mon Mar 03, 2014 8:03 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 69301

Re: FICA taxes -- SS implications?

I received a refund for FICA taxes during residency. Does this mean those years no longer count toward social security? I would assume so, but would like confirmation. Confirmed. I've always been puzzled why MD's want that FICA refund. If you are well into your 30's before starting to pay FICA that...
by spin_echo
Sun Feb 16, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: FICA tax refund -- SS implications, can I send it back?
Replies: 12
Views: 790

FICA tax refund -- SS implications, can I send it back?

I received a refund for FICA taxes during residency. Does this mean those years no longer count toward social security? I would assume so, but would like confirmation. Also, how do I find out how many quarters I have accumulated? It was not obvious to me how to do that from the SS website. Thanks, E...
by spin_echo
Sun Feb 16, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: FICA tax refund -- SS implications, can I send it back?
Replies: 12
Views: 790

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy Birthday - and thanks for all your contributions over the past 90 years!
by spin_echo
Sat Jan 25, 2014 2:17 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 23441

Online purchase of Penfed CD - limit of 25K?

Finally got around to opening a Penfed account. When I opened a 5 yr CD the max allowed amount was 25K (funding the CD externally). How do you get around this limit? Will transferring money to my Penfed account first and then buying the CD work? Thanks.
by spin_echo
Mon Jan 13, 2014 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Online purchase of Penfed CD - limit of 25K?
Replies: 3
Views: 441

Re: Bogleheads.org Homepage

I also like the homepage the way it is.
by spin_echo
Thu Jan 09, 2014 10:13 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Homepage
Replies: 76
Views: 4584

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

1801

Happy new year!
by spin_echo
Wed Jan 01, 2014 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 537
Views: 15898

Re: How to respond to request for current salary in an inter

I probably would ask them why they want to know.
by spin_echo
Wed Dec 11, 2013 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to respond to request for current salary in an interview
Replies: 113
Views: 8410

Re: huge Apple fan here BUT....

I know of only one person who bought the Surface. We have an iPad and love it. I will probably purchase one for myself as well. My next laptop will be an Apple as well. Everything works, it is so easy, no headaches or compatability issues, and lasts a lot longer. For the most part, I have been happ...
by spin_echo
Wed Nov 20, 2013 5:48 pm
 
Forum: Personal Consumer Issues
Topic: huge Apple fan here BUT....
Replies: 28
Views: 3459

Re: What Book Are You Currently Reading? Part V

Recently discovered David Drake after reading all of the John Scalzi books (Old Man's War, etc)
Just finished Redliners
current reading The Tank Lords
by spin_echo
Mon Sep 16, 2013 11:20 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1271142

Re: Can I contribute to a SEP and convert to ROTH?

Thanks - especially DSInvestor -- I report the income as 1099's so just that piece of advice was very helpful. It seems like this would be worthwhile and I will talk with my accountant. If he is unable to help, maybe it is time to look for a new one... I was passed to my current accountant by defaul...
by spin_echo
Sun Sep 15, 2013 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I contribute to a SEP and convert to ROTH?
Replies: 3
Views: 276

Can I contribute to a SEP and convert to ROTH?

I have a 403b through my current employer and contribute 17.5K to that as well as 5.5K to a traditional IRA, which I convert to my Roth. In addition to my regular salary I make about 15,000 year through consulting. From some cursory reading, It seems as if I could put a portion (20% ? 25%?) of the 1...
by spin_echo
Sun Sep 15, 2013 9:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I contribute to a SEP and convert to ROTH?
Replies: 3
Views: 276

Re: What do you do if you >know< you are an emotional invest

Talked with Vanguard rep and they want me at 50/50 (at least) First of all, we are all emotional investors because we are all human. Second, did the Vanguard rep who wanted to change your allocation talk to you about your risk tolerance? In other words, did he/she take into account how much risk yo...
by spin_echo
Wed Apr 03, 2013 11:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you do if you >know< you are an emotional investor?
Replies: 21
Views: 1075

Re: What do you do if you >know< you are an emotional invest

You are extremely risk adverse. With that mentality, you probably will never allow yourself (or even let an ethical advisor) to get you to even 50/50. In your case, I would consider that you think about hiring a low cost ethical advisor. Even though your need of risk is most likely low due to savin...
by spin_echo
Wed Apr 03, 2013 11:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you do if you >know< you are an emotional investor?
Replies: 21
Views: 1075

Re: What do you do if you >know< you are an emotional invest

Wow - thanks for the support and advice. We have no idea how near or far you are from retirement, but have you been able to project your anticipated needs against your portfolio and it's expected growth? I am 43. In terms of what I need, I don't think I really need growth, but I can't really afford ...
by spin_echo
Wed Apr 03, 2013 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you do if you >know< you are an emotional investor?
Replies: 21
Views: 1075

What do you do if you >know< you are an emotional investor?

OK. I admit it. Totally have difficultly staying the course. For example, when the market dipped in 2011 I put my head in the sand and have not been contributing anything other than what automatically was going into my 403b. So, now that the market has gone up, >of course< I am a lemming and totally...
by spin_echo
Wed Apr 03, 2013 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you do if you >know< you are an emotional investor?
Replies: 21
Views: 1075

Nevermind

Nevermind - sorry, my question has been answered
by spin_echo
Sat Mar 23, 2013 9:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nevermind
Replies: 0
Views: 250

Long term care insurance - employer offering enrollment

I am in my early 40's Our employer is offering Group Long Term Care Insurance through Genworth as a new benefit -- for a limited time we can enroll without underwriting. They quote about 80$ a month for 350,000 (lifetime benefit) coverage, 200$ day max, 5% simple inflation adjustment (whatever that ...
by spin_echo
Sun Apr 22, 2012 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance - employer offering enrollment
Replies: 7
Views: 553

Re: question about search

thanks!!
by spin_echo
Mon Jan 02, 2012 8:15 pm
 
Forum: Forum Issues and Administration
Topic: question about search
Replies: 2
Views: 573

question about search

Does the search function only return posts since the forum upgrade?
I tried a search on "accountant" and only got about 150 hits, all since oct 2011
thanks!
by spin_echo
Mon Jan 02, 2012 3:03 pm
 
Forum: Forum Issues and Administration
Topic: question about search
Replies: 2
Views: 573

Re: REGISTERATION FOR 2012 BOGLEHEAD CONTEST

1306 (I think that is what I guessed next year, or at least close, anyway)
by spin_echo
Sun Jan 01, 2012 7:42 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2012 BOGLEHEAD CONTEST
Replies: 408
Views: 12369

Re: forum does not work on very old OS - suggestions?

I viewed bogleheads.org on Lynx through a Unix server to which I have access, so I didn't have to install Lynx on my local machine. Now that I've looked at what you'd have to do to install Lynx on your Win 95 desktop, I don't think it's worth your time. ahh. thanks for letting me know. most website...
by spin_echo
Wed Oct 19, 2011 8:14 pm
 
Forum: Forum Issues and Administration
Topic: forum does not work on very old OS - suggestions?
Replies: 15
Views: 1145

Re: forum does not work on very old OS - suggestions?

I checked to see whether I could view bogleheads.org using the Lynx text browser. Yes, it's possible, but tedious. I didn't try logging in and posting. http://lynx.browser.org/ cool. I will try this. hmm. not giving me access to the download area. will try again later --- but this sounds hopeful! :)
by spin_echo
Wed Oct 19, 2011 6:52 pm
 
Forum: Forum Issues and Administration
Topic: forum does not work on very old OS - suggestions?
Replies: 15
Views: 1145

Re: forum does not work on very old OS - suggestions?

Thanks! What happens when you try and visit the forum? Have you tried installing another browser, like Firefox? I see blank boxes where I should see text (such as a list of the forums or a list of threads) can't click on them; interestingly, from http://www.bogleheads.org, I can actually see threads...
by spin_echo
Wed Oct 19, 2011 6:51 pm
 
Forum: Forum Issues and Administration
Topic: forum does not work on very old OS - suggestions?
Replies: 15
Views: 1145

forum does not work on very old OS - suggestions?

I may be out of luck, but I have a really ancient computer that is my "surf the web while eating dinner" computer -- circa 1997, runs windows 95 and windows explorer 5 -- tried updating the browser a while ago, but was not able to Any suggestions? (other than ditch the computer --- I am cu...
by spin_echo
Wed Oct 19, 2011 6:11 pm
 
Forum: Forum Issues and Administration
Topic: forum does not work on very old OS - suggestions?
Replies: 15
Views: 1145

oldies but good
day of the jackal
eiger sanction
by spin_echo
Sun Oct 02, 2011 8:57 am
 
Forum: Personal Consumer Issues
Topic: Recommend a good novel!
Replies: 33
Views: 2454

aja8888 wrote:Most of my jeans have gotten smaller hanging in the closet....


Probably sublimation -- must occur at closet temperature/environment.
by spin_echo
Sat Sep 10, 2011 3:44 pm
 
Forum: Personal Consumer Issues
Topic: Best Jeans for around 900?
Replies: 31
Views: 4741

Wow! Thanks for the detailed response -- you and the OP have given me several books/films that I am looking forward to exploring during (my sadly, very limited) free time. Very cool!!!!
by spin_echo
Wed Sep 07, 2011 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Anyone read [James D Hornfischer]
Replies: 5
Views: 967

Fish (if you like seafood)
Buddakan (my favorite of the Steven Starr restaurants)
by spin_echo
Tue Sep 06, 2011 7:29 pm
 
Forum: Personal Consumer Issues
Topic: Visit to Philadelphia
Replies: 32
Views: 2785

Re: Anyone read

Anyone read James D Hornfischer? http://jameshornfischer.com/Home_Page_of_James_D._Hornfischer/Home.html I just finished the latest of his 3 books and was very impressed by his works on the US Navy in the second world war. He writes viscerally using interviews from survivors but also includes a lot...
by spin_echo
Mon Sep 05, 2011 7:31 pm
 
Forum: Personal Consumer Issues
Topic: Anyone read [James D Hornfischer]
Replies: 5
Views: 967

Re: larry swedroe article: statistical signficance of result

Larry's Moneywatch blog article Tuesday http://moneywatch.bnet.com/investing/blog/wise-investing/how-to-build-a-diversified-portfolio/2760 compared various portfolios and I'm curious what can be said about the statistical significance of the results.. For example, his Portfolio 1 had a 10.7% annual...
by spin_echo
Mon Aug 29, 2011 9:33 pm
 
Forum: Investing - Theory, News & General
Topic: larry swedroe article: statistical signficance of results?
Replies: 54
Views: 6524

I use my ingdirect savings account to transfer amounts from/to bank account. You can link upto 3 external accounts. You cannot do a transfer between 2 external accounts though. I use ingdirect to park my cash and transfer money to and from other accounts as needed. All transfers are free. cool -- i...
by spin_echo
Tue Aug 23, 2011 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: On line banking transfers
Replies: 12
Views: 2519

Re: rec books on 2008 financial crisis?

Just finished reading "A colossal failure of common sense" but, sadly, still don't understand 1) what exactly "leverage" is 2) why it is bad and why it led to the demise of lehman and 3) how the demise of lehman led to all of the other problems. Which of the books out there give...
by spin_echo
Sun Aug 21, 2011 7:21 pm
 
Forum: Personal Consumer Issues
Topic: rec books on 2008 financial crisis?
Replies: 4
Views: 551

rec books on 2008 financial crisis?

Just finished reading "A colossal failure of common sense" but, sadly, still don't understand 1) what exactly "leverage" is 2) why it is bad and why it led to the demise of lehman and 3) how the demise of lehman led to all of the other problems. Which of the books out there give ...
by spin_echo
Sat Aug 20, 2011 8:11 pm
 
Forum: Personal Consumer Issues
Topic: rec books on 2008 financial crisis?
Replies: 4
Views: 551

Why aren't we the next japan?

Went to the library and checked out "The ultimate money guide for bubbles, busts, recession and depression" by Martin D. Weiss along with the book on alternative investments by Larry Swedroe (which, sadly, is the only one of his books they carry). Martin's viewpoint seems quite pessamistic...
by spin_echo
Sun Aug 07, 2011 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: Why aren't we the next japan?
Replies: 2
Views: 503
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