Search found 1992 matches

by tomd37
Mon Jun 29, 2015 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: federal tax return rejected
Replies: 14
Views: 1770

Re: federal tax return rejected

MN Finance, Just wondering how old you are. It is common to see younger people such as college students being claimed as a qualified dependent on their parents return then when the younger person files their own return they forget that they should not be claiming a personal exemption for themselves....
by tomd37
Sat Jun 27, 2015 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: ? Portfolio for older couple
Replies: 17
Views: 3737

Re: ? Portfolio for older couple

Ruralavalon, Please help me better understand your statement "but a loss of tax efficiency" in your reply. Am not challenging it, but rather trying to better understand exactly what you mean. 95% of my retirement is in tax-advantaged accounts with the remainder in taxable accounts right no...
by tomd37
Sat Jun 27, 2015 1:43 pm
Forum: Forum Issues and Administration
Topic: Is there a way to search just for a Member's topics?
Replies: 4
Views: 736

Re: Is there a way to search just for a Member's topics?

Thanks to all who responded, online here or by private message. I appreciate the assistance.
by tomd37
Sat Jun 27, 2015 11:20 am
Forum: Forum Issues and Administration
Topic: Is there a way to search just for a Member's topics?
Replies: 4
Views: 736

Re: Is there a way to search just for a Member's topics?

I too would like to know the procedure to find only the posts that I have originated, that is without going through an entire list of both initiated and responded to posts. :confused
by tomd37
Fri Jun 26, 2015 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: ? Portfolio for older couple
Replies: 17
Views: 3737

Re: ? Portfolio for older couple

I'm back again and still thinking (and maybe overthinking) about our portfolio. Still thinking about 1) a reduction in the overall asset allocation from 50/50 stock/bond ratio to a 40/60 ratio, 2) to reduce the over-weight in the REIT index fund, and 3) to make it easier to maintain the 40/60 ratio....
by tomd37
Wed Jun 24, 2015 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: funding roth ira for son
Replies: 16
Views: 2102

Re: funding roth ira for son

Gips, Assuming your son established a Roth IRA not in excess of his "earned income", I hope he filed a tax return for 2014 reflecting that earned income. Doing so would prove to the IRS that he had earned income to support the establishment of the IRA. If he did file a return I also hope h...
by tomd37
Wed Jun 24, 2015 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Fraud [Understanding fraudulent returns]
Replies: 6
Views: 875

Re: IRS Fraud

I recently read, in a tax newsletter, that the IRS is going to require the submission of W-2 data from employers by January 31st. We will see if that happens and what effect it might have.
by tomd37
Mon Jun 15, 2015 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Amending 2014 tax return?
Replies: 3
Views: 465

Re: Amending 2014 tax return?

You might look at IRS Form 1040-X and its instruction booklet online at http://www.irs.gov. But if you post your questions here I know there are a number of tax preparers (volunteer and paid) on this site that can help answer questions or give suggestions to you.
by tomd37
Mon Jun 15, 2015 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard's title for an Inherited IRA
Replies: 3
Views: 583

Re: Vanguard's title for an Inherited IRA

Livesoft is correct for Vanguard. My daughter inherited a Roth IRA from her brother seven years ago and it is titled "Jane A. Doe BENEF John A. Doe". Apparently each company has their own way of doing this and it really is of no concern as long as it shows the equivalent of beneficiary. So...
by tomd37
Sun Jun 14, 2015 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: When to Account for REITS in Asset Allocation
Replies: 16
Views: 1611

Re: When to Account for REITS in Asset Allocation

I believe, but am not sure, that Rick Ferri takes REIT investments into account when he calculates the international stock asset allocation percentage. Maybe he will comment on the matter if he reads this post.
by tomd37
Sun Jun 14, 2015 11:30 am
Forum: Personal Consumer Issues
Topic: New Irrigation System - Optimal Setup
Replies: 12
Views: 1252

Re: New Irrigation System - Optimal Setup

Suspect you used a fescue of some type (a cool season grass) but suggest you look at the label on the bag for seed types. If you don't still have it you can look at a bag where you purchased it. If a fescue you might run into problems with germination and sustaining it this late in spring. Fescue is...
by tomd37
Sun Jun 14, 2015 8:48 am
Forum: Personal Consumer Issues
Topic: New Irrigation System - Optimal Setup
Replies: 12
Views: 1252

Re: New Irrigation System - Optimal Setup

Not sure how to reply with specifics as we don't know where you are and what type of seed is being used. I live in middle Tennessee and use a blended variety of fine fescue (a cool weather grass) when I over seed my established lawn in the fall of the year. When I over seed in fall the top layer of ...
by tomd37
Tue Jun 09, 2015 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance and Economic Outpatient Care for a Boglehead
Replies: 70
Views: 4595

Re: Inheritance and Economic Outpatient Care for a Boglehead

For item b, I started college 60 years ago this year and have no idea what the annual cost was for a private small university. Back then I did not even know what my father's income was. Answer to all other items is $0.
by tomd37
Sun Jun 07, 2015 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Why does Jack Bogle have no international funds
Replies: 69
Views: 6585

Re: Why does Jack Bogle have no international funds

Too much "cherry picking of information" going on in these forums for Mr. Bogle! Mr. Bogle is one individual with one set of circumstances and every other person has their own set of circumstances on which they will base their decisions.
by tomd37
Sat Jun 06, 2015 10:48 am
Forum: Personal Consumer Issues
Topic: D-Day message from France
Replies: 27
Views: 2968

Re: D-Day message from France

Thanks Jim for helping us remember those who gave their lives and those who lived on.
by tomd37
Wed Jun 03, 2015 12:32 pm
Forum: Personal Consumer Issues
Topic: Dishwasher lime/calcium build-up
Replies: 20
Views: 1598

Re: Dishwasher lime/calcium build-up

The response from hicabob got me to thinking about what you are using as dishwasher detergent and what rinse agent you are using on a daily basis. The Finish power tabs are excellent as is Jet Dry rinse agent. You need to use both every wash cycle as well as any other solution you can come up with f...
by tomd37
Wed Jun 03, 2015 11:45 am
Forum: Personal Consumer Issues
Topic: Dishwasher lime/calcium build-up
Replies: 20
Views: 1598

Re: Dishwasher lime/calcium build-up

Give the Bosch customer service line a call and see what they recommend.
by tomd37
Tue Jun 02, 2015 4:11 pm
Forum: Personal Consumer Issues
Topic: Heads up on a great CC promotion (Chase Freedom)
Replies: 51
Views: 5715

Re: Heads up on a great CC promotion (Chase Freedom)

I'll bet there is going to be an IRS Form 1099-INT or some other version of Form 1099 at year-end. :twisted:
by tomd37
Sun May 31, 2015 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: To REIT or not to REIT
Replies: 27
Views: 3030

Re: To REIT or not to REIT

I have my own personal thoughts on REIT investing and I have devoted 10% of my total portfolio since my retirement in 2002 and the subsequent ups and downs of the market. I currently have a 50/50 stock/bond asset allocation and am aware the VG Total Stock Market Index has about 4% real estate within...
by tomd37
Sat May 30, 2015 1:41 pm
Forum: Investing - Theory, News & General
Topic: REIT Index Expense Ratio Increase - VGSLX
Replies: 2
Views: 1087

REIT Index Expense Ratio Increase - VGSLX

I was doing my monthly review of my accounts and noticed a footnote stating that the expense ratio for the Vanguard REIT Index Fund Admiral Shares (VGSLX) has increased from 0.10% to 0.12% effective May 28, 2015. Just thought I would pass on my finding.
by tomd37
Sat May 30, 2015 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Financial planning for your demise
Replies: 18
Views: 2791

Re: Financial planning for your demise

Jane, I totally agree with you about the churning we see in the AARP Tax Counseling for the Elderly. Some of our clients are being churned unnecessarily month after month. AARP used to advertise for volunteers for a financial assistance program just as you describe, but it is not available in Tennes...
by tomd37
Fri May 29, 2015 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Financial planning for your demise
Replies: 18
Views: 2791

Re: Financial planning for your demise

Friar, I could have been writing 90%+ of your post. Sounds like you do not have the military SBP. Otherwise I am in exactly the same situation except we are ten years into RMDs. I have written guidelines for my wife should I pre-decease her and those guidelines currently include giving consideration...
by tomd37
Wed May 27, 2015 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Just Received 2014 Form 5498 from Vanguard
Replies: 6
Views: 1236

Re: Just Received 2014 Form 5498 from Vanguard

Yes, it is just an informational document and not a tax document. I suggest you keep it, and any of its predecessors, in a separate file indefinitely. It is usually issued around this time of year.
by tomd37
Wed May 27, 2015 3:19 pm
Forum: Personal Consumer Issues
Topic: Window replacement -- Renewal by Andersen?
Replies: 31
Views: 2730

Re: Window replacement -- Renewal by Andersen?

THY4373, Had the same situation with ProVia doors. Wanted new ProVia steel doors (front door with one sidelight, French patio door with full glass, and patio door with full glass). Local American Home Design company quoted $5,000 more than local window/door company for the identical products. Needle...
by tomd37
Tue May 26, 2015 7:12 pm
Forum: Personal Consumer Issues
Topic: Outside a/c fan isn't running (10 yr old system)
Replies: 24
Views: 945

Re: Outside a/c fan isn't running (10 yr old system)

Canderson,
About ten years ago I had a small lizard somehow climb into the outside power box near my unit and get fried. Took a bit of looking for the service technician but he found it :annoyed
by tomd37
Mon May 25, 2015 2:28 pm
Forum: Personal Consumer Issues
Topic: Visiting Nashville during the summer
Replies: 38
Views: 2172

Re: Visiting Nashville during the summer

Moshe,
10 to 15 minutes at the most depending on where you park and your walking pace, crowds, and traffic volume. No safety issues in my opinion.
by tomd37
Fri May 22, 2015 1:27 pm
Forum: Personal Consumer Issues
Topic: Electric Pressure Washer Recommendation
Replies: 13
Views: 1131

Re: Electric Pressure Washer Recommendation

If you are an active duty or retired military you get a 10% discount year-round at Lowe's and Home Depot by showing your id card.
by tomd37
Fri May 22, 2015 1:13 pm
Forum: Personal Consumer Issues
Topic: Electric Pressure Washer Recommendation
Replies: 13
Views: 1131

Re: Electric Pressure Washer Recommendation

I also am interested in an electric pressure washer for smaller jobs, but I think I'd have to look at something in the $150 to $200 range. Did not see anything in the $100 range when I researched the subject and looked in Home Depot and Lowes.
by tomd37
Thu May 21, 2015 8:25 pm
Forum: Investing - Theory, News & General
Topic: Not your father's Total Bond Market Fund anymore
Replies: 86
Views: 9718

Re: Not your father's Total Bond Market Fund anymore

Sometimes in these postings I lose track of what specific bond fund to which someone is actually referring as they throw around incomplete names. I would like to see posters name the fund and then show the symbol. For example, Intermediate-Term Bond Index (VBILX).
by tomd37
Mon May 18, 2015 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Revised 1099 for 2013
Replies: 4
Views: 283

Re: Revised 1099 for 2013

Trueblu,
I guess you are okay with the K-1 since it is dividends and foreign tax credit. Thanks for volunteering. :beer
by tomd37
Sun May 17, 2015 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: ? Portfolio for older couple
Replies: 17
Views: 3737

Re: ? Portfolio for older couple

Within the hour I posted a question on the Forum Issues and Administration forum asking how to find a post of my own and received a reply as to how to find this post I made a year ago. As a result of the of the responses to that original post I got out of both high-yield corporate (VWEAX) and short-...
by tomd37
Sun May 17, 2015 6:42 pm
Forum: Forum Issues and Administration
Topic: Looking for my own posts
Replies: 6
Views: 1219

Re: Looking for my own posts

Paunch,
Your reply was a big help and led me to the posts I originated. Thanks!
by tomd37
Sun May 17, 2015 6:01 pm
Forum: Forum Issues and Administration
Topic: Looking for my own posts
Replies: 6
Views: 1219

Looking for my own posts

With this new format I am not sure how to find my own posts. By that I mean the posts that I initiated and not the posts I made in response to other posts. Can anyone help me and provide direction as to how to find my own initiated posts? :?:
by tomd37
Sun May 17, 2015 2:23 pm
Forum: Personal Consumer Issues
Topic: How do I get best deal on trade in?
Replies: 14
Views: 1617

Re: How do I get best deal on trade in?

In my state (TN) we end up paying state and local taxes equivalent to about 9%+ on the bottom line sale price. The bottom line would include a reduction for the trade-in value of the old car thus saving about 9% in taxes on the trade-in value. If I could sell the car myself and get a price of the tr...
by tomd37
Sat May 16, 2015 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Which Company Do You Have Auto Insurance With?
Replies: 105
Views: 6014

Re: Which Company Do You Have Auto Insurance With?

I have read through all 2+ pages of responses to the original post. The question that pops up in my mind time after time is what type of service you will receive when you actually have a claim against the insurance policy. Too much talk here about rates instead of service in my opinion. Yes, it is n...
by tomd37
Thu May 14, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: Is the Post Office slowing down First Class Parcel delivery?
Replies: 25
Views: 2607

Re: Is the Post Office slowing down first class parcel delivery?

For the past year I have found significant reduction in delivery service of regular first class mail. Just today received a card that was mailed from Asheville, NC to Brentwood, TN (Nashville suburb) on May 8th afternoon. Asheville is just 300 miles from here via Interstate 40 and yet it took six da...
by tomd37
Wed May 13, 2015 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - unexpected competition
Replies: 102
Views: 11180

Re: Selling home - unexpected competition

Guess it would depend on what a buyer is looking for. Assuming the two houses are alike in size, your house may be a better choice if someone wants the upgrades but does not want to go through the upgrade procedures possibly spending more money to get to the same end result. On the other hand, maybe...
by tomd37
Mon May 11, 2015 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Which Company Do You Have Auto Insurance With?
Replies: 105
Views: 6014

Re: Which Company Do You Have Auto Insurance With?

USAA for auto (for the past 54 years), and homeowner, personal property, and umbrella as the need arose since 1961. :happy
by tomd37
Thu May 07, 2015 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Do Updates to Home Increase Market Value?
Replies: 32
Views: 2534

Re: Do Updates to Home Increase Market Value?

The 162 homes in our subdivision were all built in the 1991 to 1993 range. A close friend of mine recently sold his 1991 home. He had done some major renovations to his home four years ago which enhanced his home value (so he thought) in comparison to other similar homes that had not been enhanced. ...
by tomd37
Mon May 04, 2015 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: NFCU Military Appreciation Month
Replies: 3
Views: 531

Re: NFCU Military Appreciation Month

tbradnc, Thanks for the heads-up. I contacted NFCU again and confirmed that I and my wife can each have a certificate due to the fact that I am a joint owner on her account. I qualify as a Navy retiree having my retirement pay direct deposited and she also qualifies since I am a joint owner on her a...
by tomd37
Mon May 04, 2015 10:13 am
Forum: Personal Finance (Not Investing)
Topic: NFCU Military Appreciation Month
Replies: 3
Views: 531

NFCU Military Appreciation Month

It that time of the year! The Navy Federal Credit Union has announced a new certificate rate of 3.5% APY, for 15 months, with a maximum of $7,500 for qualified individuals.
by tomd37
Tue Apr 28, 2015 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Feel like I made a mistake with buying a house: appreciation
Replies: 43
Views: 5280

Re: Feel like I made a mistake with buying a house: apprecia

IMO the original poster does not submit any specific information on which to evaluate his/her remarks. Therefore we cannot make any valid comment. Much more specific info is needed.
by tomd37
Sun Apr 26, 2015 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: RMD or QCD - Which has to come out first?
Replies: 7
Views: 643

Re: RMD or QCD - Which has to come out first?

Ralph's response seems to be exactly what I talk about. Using his example of a $15K RMD with no basis involved, as long as I take out the $15K by year end, it does not matter which sequence of withdrawal I do. Assuming I want $5K to go to charity and the remaining $10K to me, I can do the $5K either...
by tomd37
Sun Apr 26, 2015 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: RMD or QCD - Which has to come out first?
Replies: 7
Views: 643

RMD or QCD - Which has to come out first?

Assuming that QCDs will be approved again for tax year 2015 and probably very late in the year as it has been for several years now, I am still not understanding which has to come out first. Does the RMD have to come out first followed by the QCD or can a QCD be done first followed by the RMD. In ta...
by tomd37
Sat Apr 25, 2015 5:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard REIT Index Fund
Replies: 5
Views: 1610

Re: Vanguard REIT Index Fund

Thanks takethree. Wonder why one place but not the other. Who knows what Vanguard has done on this last change! :annoyed
by tomd37
Sat Apr 25, 2015 10:29 am
Forum: Investing - Theory, News & General
Topic: Vanguard REIT Index Fund
Replies: 5
Views: 1610

Vanguard REIT Index Fund

Has anyone else noted that the Vanguard site no longer lists the percentage of real estate held in the Vanguard Total Stock Market Index Fund? It used to be under the Equity Sector Diversification portion of Portfolio Composition. Real estate is no longer listed as an item by itself. :annoyed I seem...
by tomd37
Sat Apr 25, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: need a will with a trust?
Replies: 10
Views: 963

Re: need a will with a trust?

Yes, it does make sense to me. Most revocable living trusts have a such a document as you mention for each person.
by tomd37
Sat Apr 25, 2015 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Taxes are killing me
Replies: 21
Views: 3069

Re: Taxes are killing me

You cannot claim "tax exempt" on your W-4. You are not exempt from federal tax. :oops:
by tomd37
Thu Apr 23, 2015 8:16 pm
Forum: Personal Consumer Issues
Topic: Car Dealership Credit Report
Replies: 34
Views: 2848

Re: Car Dealership Credit Report

Kind of reminds me of a sign a fellow naval officer kept in his stateroom in the very early 1960s - Bull s--- outshines knowledge!
by tomd37
Thu Apr 23, 2015 8:02 pm
Forum: Personal Consumer Issues
Topic: Car Dealership Credit Report
Replies: 34
Views: 2848

Re: Car Dealership Credit Report

I have purchased cars since 1961 and have never had to fill out a credit application for the dealership. I always arranged financing, when I was financing my purchase, through NFCU but since 1993 I have paid in cash for several cars with no credit application. I personally would walk if they asked m...

Go to advanced search