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Re: Will not using my dishwasher cause problems?

I leave dishes in the dishwasher for up to 14 days without rinsing and it still comes out clea n. OK, I will give it a try. Do you fill both cups (full or half) or only one cup (full or half)? Regular cycle or light? My problem is that my stainless steel flatware often comes out looking unwashed. T...
by sscritic
Thu Jul 24, 2014 2:56 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 38
Views: 1424

Re: Rich Spouse, Poor Spouse

I think we did it once (charge one more than the other). That was the year my wife took a large amount out of her IRA and put it in her separate account. She paid the marginal increase. Actually, since we lived in a community property state half of any earned income already belonged to each of us as...
by sscritic
Thu Jul 24, 2014 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rich Spouse, Poor Spouse
Replies: 27
Views: 970

Re: How does gift/estate tax indexation work?

Try this. Fill out a gift tax return. Pretend you gave the limit of $3.5 million in 2009. Give a gift of $1.75 million in 2013. What do you see? I haven't done it, but that is what I would do if I wanted an answer to your question. P.S. Gift taxes are individual, not joint. Yes, two people can give ...
by sscritic
Thu Jul 24, 2014 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: How does gift/estate tax indexation work?
Replies: 1
Views: 69

Re: Rich Spouse, Poor Spouse

MathWizard wrote: In that case, I guess you should file separately.

Note that that allows you to double the amount of paper I bonds you can get with your refund. The limit is per return, so two returns is twice as valuable as one.
by sscritic
Thu Jul 24, 2014 1:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rich Spouse, Poor Spouse
Replies: 27
Views: 970

Re: Rich Spouse, Poor Spouse

Do you split the mortgage proportionally to income? Do you split the groceries proportionally to income? If you can handle that, you can split the taxes as well.* Make sure you count the withholding to the proper source. If you can't, meaning you use a common pot, then use the common pot for your ta...
by sscritic
Thu Jul 24, 2014 1:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rich Spouse, Poor Spouse
Replies: 27
Views: 970

Re: Anyone used Vanguard electronic money transfer

It works both ways; that's how I buy shares. I tell Vanguard to take money out of my checking account. When I want more money in my checking account, I tell Vanguard to sell shares and send the money to my bank.
by sscritic
Thu Jul 24, 2014 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone used Vanguard electronic money transfer
Replies: 12
Views: 270

Re: Will not using my dishwasher cause problems?

My high end rice cooker specifically indicates not to leave any food in it for longer than necessary. I guess it is cheaper to wash it than having to buy another one. :shock: Do you mean this? Do not leave the product unwashed for long period of time. It may cause stain hard to remove and make the ...
by sscritic
Thu Jul 24, 2014 1:20 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 38
Views: 1424

Re: Vanguard Account Owners - has this happened to you?

The only strange things that have happened to me were the result of pilot error. The controls were just too complicated for this old brain. Actually "over complicated" controls are design error, not user error. Its a big area in medical negligence/malpractice on computerized equipment In ...
by sscritic
Thu Jul 24, 2014 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Owners - has this happened to you?
Replies: 17
Views: 2367

Re: Will not using my dishwasher cause problems?

these guys gradually built a reputation for themselves as the "one plate maven" by being able to re-use the same (individual) plate for the whole week (or longer) between washes. The mechanics was, after each meal, they would wipe the plate down with a piece of bread (or paper towel) and ...
by sscritic
Thu Jul 24, 2014 12:06 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 38
Views: 1424

Re: Here's another "where should I retire" thread

Have you considered Central California? Checks many of the things off of your list -- amazing beaches, mountains, great climate, liberal, great college towns, plenty of airports. I have never thought much about Central California. Central Valley and Central Coast, yes, but not Central California. A...
by sscritic
Thu Jul 24, 2014 11:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Here's another "where should I retire" thread
Replies: 73
Views: 2953

Re: Dad had a whole life policy but it sounds like term life

I have had both kinds of life:

Death benefit = face value
Death benefit = face value plus cash value

Guess which one was less expensive.

My last premium payment on the one I still have was March, 1999. The earnings more than cover the cost of insurance. Yes, it is Universal.
by sscritic
Thu Jul 24, 2014 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Dad had a whole life policy but it sounds like term life?!
Replies: 25
Views: 1528

Re: Here's another "where should I retire" thread

sscritic, you're messing with me, right? Just a little. :) I haven't lived that many places, but I have found something to like wherever I have been. When I lived in Minnesota, for example, I didn't focus on the two seasons: freezing and mosquito breeding, I concentrated on .. now what was it I lik...
by sscritic
Thu Jul 24, 2014 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Here's another "where should I retire" thread
Replies: 73
Views: 2953

Re: Will not using my dishwasher cause problems?

OAG wrote:We do not use ours either. However, each month on the first of the month DW puts one cup (50% water & 50% white vinegar) in it and runs a single rinse cycle.

Is that just the water and vinegar, or does she wash the cup they came in as well?
by sscritic
Thu Jul 24, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 38
Views: 1424

Re: Good 401(k) for an 11 year-old!

The one offered by the company he works for. That's the one most people use.
by sscritic
Thu Jul 24, 2014 10:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Good 401(k) for an 11 year-old!
Replies: 7
Views: 455

Re: Will not using my dishwasher cause problems?

I have 12 large plates, 18 small plates, and 21 bowls.* If I use two a day and eat out once in a while, that means I can go a month without using the dishwasher. My dishwasher doesn't do that good a job on month old egg in spite of what the EPA says, so I rinse. But given that I have rinsed, I don't...
by sscritic
Thu Jul 24, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 38
Views: 1424

Re: Will not using my dishwasher cause problems?

When I bought my house, the dishwasher was being used as a drying rack. They had put in a tile floor and the person had set the dishwasher back in in such a way that you couldn't close the door. I don't know how long it hadn't been used. Once I reset the legs, the biggest problem was cleaning out th...
by sscritic
Thu Jul 24, 2014 10:06 am
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 38
Views: 1424

Re: Here's another "where should I retire" thread

TomatoTomahto wrote:As a first pass, with only a few reasons for what I don't like.
[ long list]

You wouldn't be one of those "I will be unhappy wherever I go" people, are you? :)

What does your glass usually look like?
by sscritic
Thu Jul 24, 2014 9:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Here's another "where should I retire" thread
Replies: 73
Views: 2953

Re: Here's another "where should I retire" thread

What does Purple Red and Blue refer too? You might have to ask the OP. We're not politically active, but we'd probably be more comfortable in blue surroundings than red. Good gosh, sscritic, don't get me in trouble :oops: . I thought about it before I wrote it, and figured that it was sufficiently ...
by sscritic
Thu Jul 24, 2014 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Here's another "where should I retire" thread
Replies: 73
Views: 2953

Re: Here's another "where should I retire" thread

I missed the part about what you don't like about where you live now. Is moving a requirement?

How do the suggested cities rank in terms of what you don't like, rather than what you do?
by sscritic
Thu Jul 24, 2014 8:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Here's another "where should I retire" thread
Replies: 73
Views: 2953

Re: Here's another "where should I retire" thread

fmzip wrote:What does Purple Red and Blue refer too?

You might have to ask the OP.
We're not politically active, but we'd probably be more comfortable in blue surroundings than red.
by sscritic
Thu Jul 24, 2014 8:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Here's another "where should I retire" thread
Replies: 73
Views: 2953

Re: Please recommend a low fee index fund with no min. inves

Ruralavalon and Lifesoft, the ladies need this money in 5-6 years. Did you mean to suggest they put the money in a stock fund? jenbrez, you don't want this money in the stock market if you are going to count on it being there when you need it. I think there is some risk tolerance in the group and t...
by sscritic
Thu Jul 24, 2014 1:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Please recommend a low fee index fund with no min. invest.
Replies: 13
Views: 1075

Re: Should I Buy a Home Warranty

The refrigerator we have is a huge stainless built-in Monogram . Last year the icemaker failed for the second time. We no longer had the home warranty - we dropped it the second year. I got several repair quotes which were in the $500-600 range. I then priced what a brand new stainless refrigerator...
by sscritic
Thu Jul 24, 2014 1:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a Home Warranty
Replies: 16
Views: 904

Re: Should I Buy a Home Warranty

I don't buy extended warranties as a rule. (I did buy Apple Care, but when the offered to replace the hard drive, it was for everybody.) It's like any other insurance for the most part; the companies make money or they wouldn't offer it. So you have to decide at what level you want to self insure. W...
by sscritic
Wed Jul 23, 2014 11:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a Home Warranty
Replies: 16
Views: 904

Re: Dumb 3rd grade math question about beach house rental

Calm Man wrote:What am I missing here that it shouldn't just be an even split?

The shrink wrapped license with the terms and conditions that was tucked under the pillows in each of the bedrooms. Only after you get to Hawaii do you get to know what you agreed to.
by sscritic
Wed Jul 23, 2014 9:45 pm
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 45
Views: 2407

Re: [Deferred] Annuity Purchase Excluded from RMD Calculatio

I'd like to hear what other posters say. Search in the search box for QLAC. Choose search tools and change any time to past month. You can then read what a lot of other posters have to say. https://www.google.com/search?sitesearch=bogleheads.org&q=qlac&gws_rd=ssl#q=qlac+site:bogleheads.org&...
by sscritic
Wed Jul 23, 2014 8:20 pm
 
Forum: Investing - Theory, News & General
Topic: [Deferred] Annuity Purchase Excluded from RMD Calculation
Replies: 17
Views: 1001

Re: Do you split in-state and fed munis? If so, how?

I am in a minority. I only use CA IT TE. Many others recommend no more than 50% in CA, the rest in National. For me, most of my bonds are not in taxable, so the amounts just aren't that big. I think at the peak, I was 50% CA muni and 50% taxable in tax-deferred accounts (if you can make sense of tax...
by sscritic
Wed Jul 23, 2014 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you split in-state and national munis? If so, how?
Replies: 16
Views: 571

Re: Defining what an expense ratio means for individuals

Tell me how the Vanguard 500 and the Rydex 500 differ. Look at the list of holdings by percent. What differences do you see? Also, which one had more turnover? My guess is that there isn't much difference, but I am willing to be convince by the data. P.S. Which one holds only 300 stocks selected at ...
by sscritic
Wed Jul 23, 2014 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Defining what an expense ratio means for individuals
Replies: 26
Views: 1318

Re: Defining what an expense ratio means for individuals

The following are impossible: They hold the same stocks and have different ERs, but match each other on a return chart. They hold the same stocks and have the same ERs, but don't match each other on a return chart. They hold the same stocks and have different ERs, but the one with the higher ER give...
by sscritic
Wed Jul 23, 2014 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: Defining what an expense ratio means for individuals
Replies: 26
Views: 1318

Re: Defining what an expense ratio means for individuals

Vanguard has super-low expense ratios on their index funds because they are a not-for-profit company--the only not-for-profit mutual fund company. TIAA. TIAA has no outside shareholders, other than our Board of Overseers, which is a not-for-profit entity. Importantly, according to TIAA’s corporate ...
by sscritic
Wed Jul 23, 2014 12:54 pm
 
Forum: Investing - Theory, News & General
Topic: Defining what an expense ratio means for individuals
Replies: 26
Views: 1318

Re: Defining what an expense ratio means for individuals

Would it be considered a rip off if they just took 1% of the principal every time you bought funds and does any company use this kind of model? Forty years ago an investment in TIAA Traditional was subject to a 3.5% charge (to cover expenses and contingencies during the lifetime of the contract) an...
by sscritic
Wed Jul 23, 2014 12:10 pm
 
Forum: Investing - Theory, News & General
Topic: Defining what an expense ratio means for individuals
Replies: 26
Views: 1318

Re: Mortgage Prepayment Question

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 Aug 1 equals July interest (on original balance) plus July principal The principal does not belong to a month; it just is. The rest ...
by sscritic
Wed Jul 23, 2014 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Prepayment Question
Replies: 33
Views: 1449

Re: The article on tax efficient placement needs to be rewri

Did you forget to tax your withdrawals from your IRA? I was expecting to see two more 0.75s.
by sscritic
Wed Jul 23, 2014 11:10 am
 
Forum: Investing - Theory, News & General
Topic: The article on tax efficient placement needs to be rewri
Replies: 48
Views: 2404

Re: Computer Fried By Lightning - Security Question

My desktop was fried by a lightning strike due to a power surge, despite being 'protected' by an expensive surge protector. So much for surge protectors. That said, it is being shipped off for repairs. I have plenty of sensitive information on it, including brokerage, bank and other statements. The...
by sscritic
Wed Jul 23, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: Computer Fried By Lightning - Security Question
Replies: 12
Views: 731

Re: Dumb 3rd grade math question about beach house rental

Don't invite so many people next time. Stick to one other couple and each pay $5,000. The extra $1,667 or whatever will be worth it just to avoid taking third grade math all over again.
by sscritic
Wed Jul 23, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 45
Views: 2407

Re: Vanguard Portfolio Watch issue

Are stock markets outside the US adjusted every day for new market values? Total International is, or should be. It holds stocks. They go up and down. The percentages change. You need a date for the outside the US data. Or does Vanguard recalculate it every day? Personally, I don't care and never lo...
by sscritic
Wed Jul 23, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio Watch issue
Replies: 8
Views: 719

Re: Mortgage Prepayment Question

I was going to suggest reading your loan document, but then I read mine and found no definitive answer. It does say a prepayment designated as a prepayment reduces the principal, but doesn't say when it is applied, unlike the statement about the monthly payments, which are applied on the first.
by sscritic
Wed Jul 23, 2014 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Prepayment Question
Replies: 33
Views: 1449

Re: Dumb 3rd grade math question about beach house rental

Agreed. "We made no minimum, but assumed a minimum." This seems self-contradictory. Who is we? The OP and spouse? Or all three couples? And who was doing the assuming? Just the OP? Or did all three couples telepathically assume the same thing? Note that "we rented" was just one c...
by sscritic
Wed Jul 23, 2014 9:10 am
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 45
Views: 2407

Re: Dumb 3rd grade math question about beach house rental

sscritic, you are reading the original post far differently than I. I have split vacation houses and timeshares many times with other couples. Never, ever, did anyone assume they could pay by the night, or pay less for a shortened stay. Each couple pays for their share of the total cost - period. B...
by sscritic
Wed Jul 23, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 45
Views: 2407

Re: Dumb 3rd grade math question about beach house rental

Here is the problem: no clarity up front. If I understand correctly, you first rented a place for 10 days. You then invited others to join you if they would agree to stay at least 7 days. You never told them what that meant in terms of cost. If you had invited me and told me that I could come as lon...
by sscritic
Wed Jul 23, 2014 8:38 am
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 45
Views: 2407

Re: Dumb 3rd grade math question about beach house rental

Mingus wrote:
sscritic wrote:For a total of $9,240. I bet the landlord will not be amused.

You're fast! check out my edit.

Note that if you scale up by multiplying by 10000/9240, you get the 10, 10, 8 solution, 3571.43, 3571.43, 2857.14.
by sscritic
Wed Jul 23, 2014 8:33 am
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 45
Views: 2407

Re: Dumb 3rd grade math question about beach house rental

Mingus wrote:The couple, out of three couples, staying eight of the ten nights would pay 80% of 1/3rd the total cost.

(10000)(.33)= 3300.

(3300)(.08) = $2640

For a total of $9,240. I bet the landlord will not be amused.
by sscritic
Wed Jul 23, 2014 1:34 am
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 45
Views: 2407

Re: Mortgage Prepayment Question

The payment on a 30 year loan of $321,000 at 3.5% is 1441.43. For a loan with a first payment in July, 2014, the Oct, 2029 (the 184th) payment is $580.61 principal and $860.83 interest. If your loan's first payment was April, 1999, then your July, 2014 payment would be $580.61 principal and $860.83 ...
by sscritic
Wed Jul 23, 2014 1:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Prepayment Question
Replies: 33
Views: 1449

Re: Defining what an expense ratio means for individuals

So here is another version of the truth. The SEC has a formula that funds are required to use to compute the ER. The formula starts with actual dollar expenses, past or estimated. The ER is the end result, not the beginning. The cost of toilet paper is deducted every day from the NAV, not just the d...
by sscritic
Wed Jul 23, 2014 12:33 am
 
Forum: Investing - Theory, News & General
Topic: Defining what an expense ratio means for individuals
Replies: 26
Views: 1318

Re: Defining what an expense ratio means for individuals

I thought the annual expenses were "deducted" right off the top of the total net assets of the fund. If annual fund expenses/fees are 1%, then 99% of the total net assets on any given day (call it the expense-adjusted net assets) is the figure used to determine the daily NAV. So it's alre...
by sscritic
Tue Jul 22, 2014 11:59 pm
 
Forum: Investing - Theory, News & General
Topic: Defining what an expense ratio means for individuals
Replies: 26
Views: 1318

Re: Income tax to beneficiary of annuity

Unlike other investments, the named beneficiary of a nonqualified annuity does not get a step-up in tax basis to the date of death. However, that doesn't mean the beneficiary will have to pay taxes on the full amount. Because the purchaser of the annuity made the investment with after-tax dollars, ...
by sscritic
Tue Jul 22, 2014 11:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Income tax to beneficiary of annuity
Replies: 3
Views: 303

Re: Mortgage Prepayment Question

You are on a schedule. Let's say your schedule calls for 180 payments, the principal parts being PP1, PP2, ... , PP180. Suppose that at the time you make payment PP32, you send in an additional principal payment of (PP33 + ... + PP43). Your next payment will be PP44. In other words, by paying 12 ful...
by sscritic
Tue Jul 22, 2014 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Prepayment Question
Replies: 33
Views: 1449

Re: Mortgage Prepayment Question

What's the loan amount, term and rate? It'll be easier to illustrate how they are applying if we have concrete #'s . It would be easier, but all we need is the previous three months (four total) of interest and principal (we really only need one of the two, the other is just to double check that th...
by sscritic
Tue Jul 22, 2014 9:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Prepayment Question
Replies: 33
Views: 1449

Re: A question for the Bogleladies or those who can consult

retiredjg wrote: :shock: :shock: :shock: It NEVER in a million years would have occurred to me that underwear could cost that much...

But wouldn't you feel special in a pair of $135 panties?
by sscritic
Tue Jul 22, 2014 9:18 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 5329

Re: Mortgage Prepayment Question

Is yours a 6% loan? You made a 581 principal payment, and the principal amount went up by 3 at the next payment. 12 x (3/581) = .062 or 6.2% Note that this has nothing to do with the term of the loan; it strictly depends on how much your monthly interest goes down for a given principal payment. Actu...
by sscritic
Tue Jul 22, 2014 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Prepayment Question
Replies: 33
Views: 1449

Re: Vanguard Account Owners - has this happened to you?

The only strange things that have happened to me were the result of pilot error. The controls were just too complicated for this old brain.
by sscritic
Tue Jul 22, 2014 8:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Owners - has this happened to you?
Replies: 17
Views: 2367
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