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Re: Beware Vanguard DOES NOT update all your account values

livesoft wrote:I thnk it would be more fun to go to lunch instead.

My treat this time.
by sscritic
Sun Apr 20, 2014 9:23 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 38
Views: 2417

Re: Beware Vanguard DOES NOT update all your account values

Yes, one can track TIAA Traditional as fixed income at Vanguard, but only manually. And one can track TIAA Real Estate Account as "Other" manually at Vanguard as well. They show up nicely in the Vanguard Portfolio Watch tool as expected. OK, so depending on how bored I am this afternoon, ...
by sscritic
Sun Apr 20, 2014 9:20 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 38
Views: 2417

Re: Beware Vanguard DOES NOT update all your account values

If I want to know what one of my accounts is doing, I look at the website for that institution. err, that's what he's trying to do. The key as I understand it is that he has Vanguard ETFs, but not at Vanguard. So where is the website for that institution? If the Vanguard ETFs are at Wells Fargo, is...
by sscritic
Sun Apr 20, 2014 9:05 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 38
Views: 2417

Re: POLL: why carry cash?

pennstater2005 wrote:It's a Small World at Disney = Torture

If you are tired, it's a great place to nod off. It's dark, and the singing is so repetitious it is easy to sleep to.
by sscritic
Sun Apr 20, 2014 8:38 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 145
Views: 3461

Re: Help me find a good slow cooker

The Zojirushi rice cooker "also has a Slow Cook function that allows the rice cooker to work like a slow cooker." http://www.zojirushi.com/products/nsyac Did you read the manual? They have two recipes, minestrone and beef soup. And pay attention to the warning: no ribs. If all you want to...
by sscritic
Sun Apr 20, 2014 8:19 am
 
Forum: Personal Consumer Issues
Topic: Help me find a good slow cooker
Replies: 25
Views: 1176

Re: IRS Lost Electronic Return?

They didn't say it was lost; they said it was in processing. I once sent in a payment with a return. Eight months later I got a CP2000 asking for the payment I had already made. After a phone call (or maybe two, it's been a while), I was told that they had received my payment but that it hadn't been...
by sscritic
Sun Apr 20, 2014 7:56 am
 
Forum: Personal Finance (Not Investing)
Topic: IRS Lost Electronic Return?
Replies: 4
Views: 170

Re: POLL: why carry cash?

the person in front of me at the burger place was paying in cash, so couldn't go to the "credit or debit only" cashier, and was still waiting for his turn after I had paid and moved on. Ahh, line racing, one of my favorite non-contact sports. While it can be played at the grocery store, m...
by sscritic
Sun Apr 20, 2014 7:51 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 145
Views: 3461

Re: Help me find a good slow cooker

Zojhirushi. I assume you mean Zojirushi, but I can't find one that meets the OP's needs. They do have a non-electric slow cooker; you heat the inner pot with the food on the stove and then put it in the insulated outer pot, close it, and walk away. Clearly, there is no timer or programming. Stainle...
by sscritic
Sun Apr 20, 2014 12:51 am
 
Forum: Personal Consumer Issues
Topic: Help me find a good slow cooker
Replies: 25
Views: 1176

Re: Hit your #, Still want to work, does your savings % chan

I would let my number get bigger (although to tell the truth, I have no idea what my number is - I stopped working when I no longer wanted to work, but I am still saving).
by sscritic
Sun Apr 20, 2014 12:26 am
 
Forum: Investing - Theory, News & General
Topic: Hit your #, Still want to work, does your savings % change?
Replies: 14
Views: 790

Re: Divorcee about to reach FRA seeks SS information

I've also read that if I don’t pay the Medicare Part B premium out of my own pocket (which I am doing now), but have it withheld from my Social Security check then my retirement benefit at age 70 will be no larger than when I suspended it. In essence, I would have given up my higher retirement bene...
by sscritic
Sat Apr 19, 2014 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 11
Views: 915

Re: Divorcee about to reach FRA seeks SS information

She has basically has two questions. 1) After talking to SSA she says she can't start taking the divorced wife benefit until age 66. 2) If she stops working and waits to take her SS old age benefit does the 8 percent rule still apply? Here is what she wrote me: From talking to someone from SSA a fe...
by sscritic
Sat Apr 19, 2014 10:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 11
Views: 915

Re: Baby Boomers: Top 10 Movies

The article is dazed and confused. It starts with this premise. When the generation born from 1946 through '64 started making movies (and when Hollywood started making movies for them) in the late 1960s, they had inherited an ailing studio system that the culture at large had outgrown. What followed...
by sscritic
Sat Apr 19, 2014 10:31 pm
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 40
Views: 2462

Re: payWave cards

Don't get to McDonald's much? I don't either, but I remember four years ago they had Discover Zip on their POS terminals. At the time, Discover sent me a mini card that was good for waving. I used to go to McDonald's for breakfast from time to time (3 cookies for $1 plus senior coffee for 69 cents -...
by sscritic
Sat Apr 19, 2014 9:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: payWave cards
Replies: 11
Views: 375

Re: POLL: If Eligible For Social Security .....

Curious how the spousal collecting works - meaning collecting spousal then start collecting your own? Does the spouse have to be deceased? Terminology counts. Let's say you are a woman. When your husband dies, you are no longer a wife (spouse). When your husband dies, you are a widow. When your hus...
by sscritic
Sat Apr 19, 2014 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: If Eligible For Social Security .....
Replies: 30
Views: 1176

Re: Qualified Dividends Question

P.S. Ordinary means total. Did you look at your 1099 from Vanguard? P.P.S. line 9a gets added when figuring your AGI. Line 9b does not. Look at how they are positioned on the page. Only line 9a is in the far right column. Line 9b is not, as line 8b is not. However, don't be confused by the a, b patt...
by sscritic
Sat Apr 19, 2014 7:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Qualified Dividends Question
Replies: 6
Views: 292

Re: Qualified Dividends Question

Tax goes on line 44 44 Tax (see instructions). You need to read the instructions. The instructions for line 44 start on page 40 of the 1040 instructions. Many of us find our tax using the Qualified Dividends and Capital Gain Tax Worksheet. Use the Qualified Dividends and Capital Gain Tax Worksheet, ...
by sscritic
Sat Apr 19, 2014 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Qualified Dividends Question
Replies: 6
Views: 292

Re: Question about IRS Online Payment from Checking Account

Remember the relevant detail. He pre-dated his "check," using a date before the date he filed. If you use a date the same or after the date you filed, then you did not test what would happen to a pre-dater. Only another pre-dater can tell us what happens if you pre-date your payment. For a...
by sscritic
Sat Apr 19, 2014 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about IRS Online Payment from Checking Account
Replies: 20
Views: 587

Re: I-Bond Rate for May 1, 2014?

There is a thread for that, the one with the title Speculation on I Bond fixed rate for May 1st. There was even a request for someone to use a calculator to figure out the new variable rate. http://www.bogleheads.org/forum/viewtopic.php?p=2034000#p2034000 Read the following post to the one linked ab...
by sscritic
Sat Apr 19, 2014 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: I-Bond Rate for May 1, 2014?
Replies: 4
Views: 386

Re: Question about IRS Online Payment from Checking Account

Thanks Huey. Accountant put the draft date as 4.11.14. But I'm nearly positive the return wasn't submitted until 4.14.14. Please report back what you find. I file about 250 returns a year. I caution my preparers to specify a date after the most likely file date. ... I've always wondered what would ...
by sscritic
Sat Apr 19, 2014 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about IRS Online Payment from Checking Account
Replies: 20
Views: 587

Re: POLL: why carry cash?

Time for my Saturday morning donut run with my dirty money. Will it be east to save a nickel on a cinnamon roll or south to save a nickel on a glazed raised and a crumb cake (although I usually reverse the words and order a raised glazed and a cake crumb - I am not sure which is correct)? I've been...
by sscritic
Sat Apr 19, 2014 4:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 145
Views: 3461

Re: If Eligible For Social Security Based On Your Own Earnin

Using the usual convention for ages, I chose 62, although I actually claimed at 62 and 10 months. If you had asked us to round our age off, I would have chosen 63.
by sscritic
Sat Apr 19, 2014 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: If Eligible For Social Security .....
Replies: 30
Views: 1176

Re: Question about IRS Online Payment from Checking Account

But he didn't pay in the sense of sending them money. He sent them account information and authorization to take the money out whenever they felt like it. I use checks, just like you do. P.S. While they cash the check immediately, the money might not be credited to your tax bill for 8 months, and I ...
by sscritic
Sat Apr 19, 2014 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about IRS Online Payment from Checking Account
Replies: 20
Views: 587

Re: Taxable Acct Investing for 10-15yr Time Horizon

You wrote 10 - 15 years, which means if you get to the 10 year mark and your account is down, you can wait another 5 years for it to recover. Who knows, your income could be so much higher at that time that you will be able to afford a larger mortgage. Or you can buy a less expensive house. Life hap...
by sscritic
Sat Apr 19, 2014 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable Acct Investing for 10-15yr Time Horizon
Replies: 13
Views: 780

Re: Where to put RMDs in budget?

ss has a point, but the reality is: a transfer out of tax-sheltered smells, looks and feels like income, especially to the IRS. As can a transfer out of a taxable account, if you are moving from a fund to cash (it's called a sale). So look at a withdrawal from your IRA as a sale of an asset with a ...
by sscritic
Sat Apr 19, 2014 2:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put RMDs in budget?
Replies: 15
Views: 611

Re: POLL: why carry cash?

Money is fungible. 1) I put $20 in the plate and charge my $20 after church lunch on my credit card. I don't pay off the card. Eating causes debt. 2) I charge a $20 offering and pay $20 cash for my after church lunch. I don't pay off the card. Giving causes debt. 3) I charge $10 for an offering and ...
by sscritic
Sat Apr 19, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 145
Views: 3461

Re: Where to put RMDs in budget?

Neither? What do you do when you sell something in your taxable account? I treat mine as a transfer from one account to another. 1) Write a check from PMM: I have a phony checking account, I call Vanguard checking. When I write a check from PMM, it is a debit in my phony checking account and goes in...
by sscritic
Sat Apr 19, 2014 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put RMDs in budget?
Replies: 15
Views: 611

Re: Amazon.com prices change quickly

Amazon should give lowest prices to people coming from bogleheads. They should know how cheap we are.
by sscritic
Sat Apr 19, 2014 2:07 pm
 
Forum: Personal Consumer Issues
Topic: Amazon.com prices change quickly
Replies: 37
Views: 2958

Re: POLL: why carry cash?

I wish people would subsist on just one food. Checkout lines would move much faster if the cashier could scan once and press x17. All those people eating a varied diet just to slow down others. Have they no consideration? This is what sscritic does with his donuts. Where I buy donuts, the immigrant...
by sscritic
Sat Apr 19, 2014 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 145
Views: 3461

Re: POLL: why carry cash?

I'm one of those people who at any given time is using 6 different credit cards depending on what the category is to maximize rewards. I don't rate chase, but I do credit card chase, just as you do. I just got off the $75 cash back using Discover and am on to the 5% cash back using my AT&T Univ...
by sscritic
Sat Apr 19, 2014 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 145
Views: 3461

Re: POLL: why carry cash?

I give to a University that asks for an extra amount to cover the cost of processing a credit card. The full amount including the extra is still a charitable deduction as listed on the letter of acknowledgment I get. And I get my usual cash back. In someways it makes no sense, but I think the U just...
by sscritic
Sat Apr 19, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 145
Views: 3461

Re: POLL: why carry cash?

I am curious. Who is going to drop their credit card into the collection plate on Easter Sunday? I know I am not leaving my card with those people. They get checks - so I have proof of payment for the tax deduction. You mean there is an alternative to cash and credit cards? I missed that in this th...
by sscritic
Sat Apr 19, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 145
Views: 3461

Re: Speculation on I Bond fixed rate for May 1st

So why hasn't anyone posted the variable rate yet? The CPI came out on Tuesday. Of course, that has nothing to do with the fixed rate, but does have something to do with what you will receive.
by sscritic
Sat Apr 19, 2014 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: Speculation on I Bond fixed rate for May 1st
Replies: 32
Views: 3154

Re: POLL: why carry cash?

I am curious. Who is going to drop their credit card into the collection plate on Easter Sunday? I know I am not leaving my card with those people.
by sscritic
Sat Apr 19, 2014 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 145
Views: 3461

Re: POLL: why carry cash?

lululu wrote:How often do the police stop you and ask for your license, sscritic?

Only when I am driving drunk. I don't know why they don't stop me when I am obeying all the laws; it would be much more convenient if they did.
by sscritic
Sat Apr 19, 2014 12:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 145
Views: 3461

Re: POLL: why carry cash?

when I absentmindedly leave the house without my wallet. I stuff Last time I had this problem, So this happens a lot? You must be as old as I. I just got new prescription sunglasses for driving. It's easy to remember to put them on (the sun acts as a reminder), but I often forget to take them off w...
by sscritic
Sat Apr 19, 2014 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 145
Views: 3461

Re: Beware Vanguard DOES NOT update all your account values

LadyGeek wrote:livesoft - If those are your real numbers,

[ficticious sample]
by sscritic
Sat Apr 19, 2014 11:23 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 38
Views: 2417

Re: Beware Vanguard DOES NOT update all your account values

I am retired. I never notice the holidays (when the market is closed). Ignore what used to be here if you happened to read it.
by sscritic
Sat Apr 19, 2014 11:21 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 38
Views: 2417

Re: POLL: why carry cash?

My experience using a credit/debit card does not match the descriptions I see in this thread. For most transactions, I swipe, no one swipes for me. I then wait for the other person to hit the correct button on the register. The POS device then asks me for my PIN. I have to type and then hit enter. ...
by sscritic
Sat Apr 19, 2014 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 145
Views: 3461

Re: POLL: why carry cash?

My car always carries ~$80 cash in a secret location for those special moments (like 2 days ago) when I absentmindedly leave the house without my wallet. I would have been stranded 150 miles from home with no gas. But you still had no legal way to drive home. Did you call two friends who both had l...
by sscritic
Sat Apr 19, 2014 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 145
Views: 3461

Re: POLL: why carry cash?

Time for my Saturday morning donut run with my dirty money. Will it be east to save a nickel on a cinnamon roll or south to save a nickel on a glazed raised and a crumb cake (although I usually reverse the words and order a raised glazed and a cake crumb - I am not sure which is correct)? Either pla...
by sscritic
Sat Apr 19, 2014 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 145
Views: 3461

Re: POLL: why carry cash?

All of the spare change goes to the kids' piggy bank/coin collector and that gets them a pretty cool gift for their birthday without having to budget for it. But just think of the delight the children of those who never use cash have when they open their piggy banks and find 25 credit cards stuffed...
by sscritic
Sat Apr 19, 2014 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 145
Views: 3461

Re: POLL: why carry cash?

And no one has yet mentioned cocaine? And what about just old fashioned germs and dirt? When I go into my grocery store, they have disinfecting wipes for your hands and the handles of the grocery carts, but who disinfects the dollar bills? At least one of my wives had an aversion to dirty money, an...
by sscritic
Sat Apr 19, 2014 9:08 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 145
Views: 3461

Re: POLL: why carry cash?

And no one has yet mentioned cocaine? And what about just old fashioned germs and dirt? When I go into my grocery store, they have disinfecting wipes for your hands and the handles of the grocery carts, but who disinfects the dollar bills? At least one of my wives had an aversion to dirty money, and...
by sscritic
Sat Apr 19, 2014 8:56 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 145
Views: 3461

Re: Guitar purchase problem: Fender strat mfg warranty?

is this sufficient to register the guitar with Visa's warranty program?

And what was the result of your phone call yesterday? Yes or no?
by sscritic
Sat Apr 19, 2014 8:23 am
 
Forum: Personal Consumer Issues
Topic: Guitar purchase problem: Fender strat mfg warranty?
Replies: 14
Views: 548

Re: POLL: why carry cash?

My experience using a credit/debit card does not match the descriptions I see in this thread. For most transactions, I swipe, no one swipes for me. I then wait for the other person to hit the correct button on the register. The POS device then asks me for my PIN. I have to type and then hit enter. I...
by sscritic
Sat Apr 19, 2014 8:17 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 145
Views: 3461

Re: POLL: why carry cash?

Donuts.

Do you really use a credit card for 65 cents? It probably costs the merchant more than that to process your charge.
by sscritic
Fri Apr 18, 2014 11:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 145
Views: 3461

Re: Can you put after tax RMD withdrawals into ROTH?

sscritic, Your time line is good in many respects. However, if a retiree wishes to make use of the QCD provisions, and have those count towards the RMD (hopefully the law gets renewed), then things get more complicated. If I wish to make a QCD later in the year, I do not want to take my entire RMD ...
by sscritic
Fri Apr 18, 2014 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you put after tax RMD withdrawals into ROTH?
Replies: 25
Views: 1068

Re: Hotmail - you get what you pay for?

I lost the password for an MSN email account (I never used it; I just liked the @msn.com; I got it just before they stopped issuing them). They had a form to contact Microsoft to reset the password, but I had to login using my password to do it. Your experience with the Mind of Microsoft matches mine.
by sscritic
Fri Apr 18, 2014 7:24 pm
 
Forum: Personal Consumer Issues
Topic: Hotmail - you get what you pay for?
Replies: 5
Views: 1169

Re: Can you put after tax RMD withdrawals into ROTH?

Oh, I almost forgot. I think my story had a point.

An RMD is an RMD, and a conversion is a conversion. They have nothing to do with each other, other than the RMD has to come first in the year.
by sscritic
Fri Apr 18, 2014 7:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you put after tax RMD withdrawals into ROTH?
Replies: 25
Views: 1068

Re: Can you put after tax RMD withdrawals into ROTH?

I am going to tell a story. The purpose is to try and clarify a few points. On 12/31, I have $100,000 in my tIRA, and I am at an age where I have a distribution period (mine is 25). I also have a checking account with $21,000 in it. I am in the 25% marginal bracket (which, for this story, I will pre...
by sscritic
Fri Apr 18, 2014 7:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you put after tax RMD withdrawals into ROTH?
Replies: 25
Views: 1068
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