Search found 78 matches

by Allocationist
Mon Dec 11, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 19796

Re: Prepayment of SALT Taxes? [State and Local]

It is not clear to me how the States will report 2018 tax payments in 2017. Nor do I understand how the IRS document matching program will compare the State reporting document with the (modified) TurboTax return. Any insights would be appreciated. This thread has been very useful to me. I appreciat...
by Allocationist
Mon Dec 11, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 19796

Re: Prepayment of SALT Taxes? [State and Local]

I understand the points of view about attempting to pay some or all 2018 State taxes in 2017 as well as the various means to deal with the process in TurboTax. IMO, both of these steps are feasible but I am concerned about the unintended consequences. Please let me explain. Let's fast forward to 201...
by Allocationist
Wed Sep 13, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26538

Re: Iphone X is $1000

I find the tone of some comments about new iPhones, Teslas very interesting from a BH perspective. I worked very hard, lived frugally and saved/invested for over 30-years so my family and I would have enough funds to experience some pleasures if I lived long enough. So, for the record, I own a Tesla...
by Allocationist
Sun Jun 04, 2017 1:48 pm
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 10292

Re: Everything keeps going up, this feels too easy?

I'd like to add another couple of possible factors causing stock market low volatility along with persistent gains. IMO some investors are anticipating lower U.S. corporate tax rates as well as lower personal tax rates. The belief that lower corporate tax rates (if they occur) will increase the prof...
by Allocationist
Wed Mar 01, 2017 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Moving away from Vanguard brokerage: Options?
Replies: 22
Views: 3332

Re: Moving away from Vanguard brokerage: Options?

After Vanguard repeatedly made unwanted and unauthorized disbursements from my rollover IRA I gave up on their (very polite) inability to fix the problem. My efforts included writing a letter to the Vanguard CEO and discussions with a member of their management team. Basically I was told they were a...
by Allocationist
Sat Oct 22, 2016 11:08 am
Forum: Personal Consumer Issues
Topic: Cheapskate for not flying business class?
Replies: 81
Views: 8000

Re: Cheapskate for not flying business class?

As a couple who, after more than 40-years of living frugally, sometimes fly business class on long flights, we'd like to offer another perspective. We feel airline travel is now a hassle that must be endured to reach a desired destination. This includes crowded noisy seating in the main departure te...
by Allocationist
Fri Aug 26, 2016 8:00 pm
Forum: Personal Consumer Issues
Topic: Surprised by Costco Citi VISA first statement
Replies: 28
Views: 4723

Surprised by Costco Citi VISA first statement

I got our first statement for our new Costco Citi VISA card. Our plan was to use this card only for purchases that received a 4% reward (gas), a 3% reward (restaurants and "eligible travel"). All other purchases were going on our new Fidelity 2% cash back VISA. The Costco Citi VISA stateme...
by Allocationist
Thu Mar 31, 2016 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: leaving vanguard due to math errors / poor customer service?
Replies: 107
Views: 15271

Re: leaving vanguard due to math errors / poor customer service?

My ongoing problem with Vanguard appears to be different from those described so perhaps my including them in this thread will be of value. The problem began in 2014 when Vanguard made multiple taxable distributions from my rollover IRA even though I did not request them. I was assured by Vanguard t...
by Allocationist
Wed Feb 04, 2015 1:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard survey: what should they do differently?
Replies: 72
Views: 6453

Re: Vanguard survey: what should they do differently?

I would like Vanguard to stop making repeated unwanted and unauthorized distributions from my wife's IRA even after the problem was brought to their attention. I would like them to not issue IRA distribution documents after unwanted and unauthorized distributions were made even after the problem was...
by Allocationist
Thu Jan 29, 2015 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard RMD Service
Replies: 14
Views: 2316

Re: Vanguard RMD Service

A slightly off topic comment… Late last year Vanguard distributed funds from my wife’s rollover IRA without her request or permission. Prior to this distribution, my wife, who is not of “RMD age”, had never taken a distribution from her IRA. As her agent, I contacted Vanguard within a few days of th...
by Allocationist
Thu Dec 18, 2014 8:31 pm
Forum: Personal Consumer Issues
Topic: Yahoo mail [problems]
Replies: 29
Views: 2831

Re: Yahoo mail

I used Yahoo mail as my primary e-mail service for many years. In the past several months it has tended to freeze up and/or been inaccessible. This seems to have occurred as Yahoo was "upgrading" and "enhancing" their mail service. In the past few weeks it got worse. About two we...
by Allocationist
Tue Nov 18, 2014 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Chip and Signature (not PIN) in Europe
Replies: 15
Views: 2173

Re: Chip and Signature (not PIN) in Europe

Just returned from Europe and travel through eight countries including Germany. Used my magnetic strip (no chip) Schwab cash account card to get cash from ATMs on ten or more occasions. Never had a problem. Used my magnetic strip (no chip) CapitalOne Quicksilver card most every day- usually at resta...
by Allocationist
Wed Oct 15, 2014 1:29 am
Forum: Investing - Theory, News & General
Topic: It's a good day to be heavy in REITs
Replies: 42
Views: 5268

Re: It's a good day to be heavy in REITs

IMO, using data to compare the performance of a few sectors over a few years of market extremes seems likely to lead to flawed conclusions.
by Allocationist
Tue Aug 12, 2014 12:33 pm
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 123
Views: 15689

TeleBouncer Blocker

IMO, examples of problems caused by not answering unidentified callers is I have received important calls from "blocked" or "unavailable" numbers such as real-time fraud calls from credit card companies, physicians offices, etc. IMO, a problem caused by using a voice mail system ...
by Allocationist
Thu Dec 12, 2013 6:42 pm
Forum: Investing - Theory, News & General
Topic: Despite the headline defaults, munis doing okay
Replies: 85
Views: 9983

Re: Despite the headline defaults, munis doing okay

I'm a little confused about this thread. I was under the impression that "Mr. Market" is aware of the issues, urban legends and other fears associated with municipal bonds. If that is correct why would we embrace active management of this niche asset class? As for California State politics...
by Allocationist
Tue Aug 13, 2013 5:21 pm
Forum: Forum Issues and Administration
Topic: Baffled by some locked threads
Replies: 3
Views: 1014

Baffled by some locked threads

In the past I have occasionally been puzzled by the reasoning for locking some threads. As I value this forum and appreciate the work done by the administrators I have kept my thoughts to myself. Earlier today (August 13, 2013) a thread entitled "Ideas, thoughts on DNA Testing?" was locked...
by Allocationist
Mon Jul 22, 2013 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: How to find a lawyer
Replies: 16
Views: 1972

Re: How to find a lawyer

The Martindale web site has been helpful to me as a starting point. I like the Peer Review and Client Review features.

http://www.martindale.com/Find-Lawyers-and-Law-Firms.aspx
by Allocationist
Tue Jul 16, 2013 6:55 pm
Forum: Personal Consumer Issues
Topic: are Google voice numbers listed?
Replies: 4
Views: 953

Re: are Google voice numbers listed?

I've had a GV number for a year or two. I have not received one spam call.
by Allocationist
Tue Jul 09, 2013 12:11 pm
Forum: Investing - Theory, News & General
Topic: iShares fixed maturity corporate bond ETF's - ER 0.10
Replies: 15
Views: 1381

Re: iShares fixed maturity corporate bond ETF's - ER 0.10

Given the present bond environment discussed a length on this forum, this type of ETF has theoretical appeal to me. If the information on the iShares web site is correct IBCC (the 2018 product) had a distribution of 0.121309 dollars in early June 2013. By my calculations this works out to an annual ...
by Allocationist
Thu Jun 06, 2013 6:28 pm
Forum: Personal Consumer Issues
Topic: [All weather car mats]
Replies: 59
Views: 4766

Re: Mats for Car

I've installed WeatherTech mats in both a 2013 Toyota Camry with a mat retainer system and a 2008 Honda CRV.

They are not "plush" however they look nice to me, fit well and are very functional. FWIW, I believe they are manufactured in the United States.

Highly recommend.
by Allocationist
Wed Apr 24, 2013 7:12 pm
Forum: Personal Consumer Issues
Topic: Switching iPhone to Android...PITA?
Replies: 55
Views: 3736

Re: Switching iPhone to Android...PITA?

This is a very informative thread. I have an iPhone 5. I am looking into shifting to an Android phone. My biggest problem is my extensive "contacts." I have tried to "export" my contacts into a format that could be used on an Android but am having difficulty. I would appreciate a...
by Allocationist
Wed Mar 20, 2013 4:18 pm
Forum: Personal Consumer Issues
Topic: Cheap Wall St Journal?
Replies: 64
Views: 11336

Re: Cheap Wall St Journal?

After subscribing for a couple of decades, I stopped my subscription for a couple of reasons. I got tired of playing the subscription lapse/negotiate for a reasonable price game every year. Also, after the change of ownership several years ago I noticed increasing seepage of political views from the...
by Allocationist
Sun Mar 17, 2013 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Jason Zweig: Mutual Fund Custodial Safety
Replies: 1
Views: 824

Jason Zweig: Mutual Fund Custodial Safety

In a copyrighted March 15, 2013 Wall Street Journal (firewalled), Intelligent Investor column entitled "What You Can Do to Steer Clear of a 'Custody' Battle" Jason Zweig addresses the potential problems with mutual funds and their "custody" or safekeeping. Here is a brief summary...
by Allocationist
Tue Mar 12, 2013 1:20 am
Forum: Investing - Theory, News & General
Topic: What's going on with international?
Replies: 46
Views: 5710

Re: What's going on with international?

According to Morningstar, VNQ (Vanguard's U.S. REIT ETF) and VNQI (Vanguard's Ex-U.S. REIT) have the following price to cash flow ratios:
16.7 v. 9.2
by Allocationist
Sun Mar 10, 2013 11:28 pm
Forum: Investing - Theory, News & General
Topic: Could bogleheads vote on Top 10 "asks" of Vanguard?
Replies: 100
Views: 8527

Re: Could bogleheads vote on Top 10 "asks" of Vanguard?

Establish a two-step verification layer of protection for account access from unrecognized computers or devices. A similar process is now available on Google mail and Dropbox.

Improve the functionality of the brokerage trading platform.
by Allocationist
Fri Mar 08, 2013 8:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard International REITs Fund
Replies: 14
Views: 2492

Re: Vanguard International REITs Fund

Direct answer to your question: 5% of portfolio and 10% of equities. Related issue: According to M* the Vanguard Admiral U.S. REIT fund (VGSLX) and Vanguard International REIT ETF (VNQI) have the following valuation measures (numbers are rounded). The U.S. REIT fund is listed first: Price to Book......
by Allocationist
Sat Feb 16, 2013 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Wellington Fund Bond Duration
Replies: 10
Views: 2393

Wellington Fund Bond Duration

A significant portion of our assets (mostly in IRA's and Roths) are invested in the Wellington Fund. Like many here, I'm aware of the +/- 30-year bond bull market and, IMO, feel it is wise to consider the likelihood of higher rates sooner or later. My inclination is to move in the direction of reduc...
by Allocationist
Sun Jan 20, 2013 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Closed End Funds
Replies: 8
Views: 1071

Re: Closed End Funds

Closed-end funds (CEFs) appear to be fairly easy to understand when, in fact, they are very complex securities that are usually thinly traded, prone to investor over-reaction during market declines and provide the illusion of safe yield which serves as a magnet for "yield chasers" who ofte...
by Allocationist
Tue Dec 11, 2012 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Your experience-Vanguard Charitable Endowment Program?
Replies: 11
Views: 1513

Re: Your experience-Vanguard Charitable Endowment Program?

My experience with the Vanguard Charitable Endowment (VCE) was, IMO, not satisfactory. I experienced hassles with getting grantees approved (even mainstream religious groups), a lack of follow-up/feedback to me for "stalled" grant requests and annoying requests for me to provide assurance ...
by Allocationist
Wed Oct 17, 2012 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: question about Fidelity rewards Amex card
Replies: 13
Views: 2205

Re: question about Fidelity rewards Amex card

FWIW, I have both the Fidelity AMEX and Fidelity VISA cash back cards. Even though I am often disappointed by the poor quality of customer service from various providers such as AT&T (cell phones, U-verse, etc.) I am very pleased by the service provided by FIA card services for these two cards. ...
by Allocationist
Fri Sep 28, 2012 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Computers & Laptops
Replies: 55
Views: 4923

Re: Apple Computers & Laptops

Disclosure: I am a former exclusive PC user (many years with many different Windows-based desktops and laptops) who has completely shifted to Apple products including an iMac and MacBook Air. Observation: Based on my reading of this and other PC vs. Mac threads, most Mac users have a lot of prior ex...
by Allocationist
Tue May 29, 2012 7:10 pm
Forum: Personal Consumer Issues
Topic: Skylights?
Replies: 28
Views: 3920

Re: Skylights?

Over ten years ago we installed three high-quality double-pane skylights and three solar tubes in a very dark house. The home is located in the mountains that average eight-feet of snow a year. We have had no leaks or other problems and are very pleased with the results. I recommend you not place sk...
by Allocationist
Tue May 01, 2012 5:32 pm
Forum: Investing - Theory, News & General
Topic: Greenspan "Stocks are Cheap"
Replies: 25
Views: 2317

Re: Greenspan "Stocks are Cheap"

After reading the "Greenspan..." subject I thought for sure the link would take me to "The Onion" news site, but unfortunately, it did not. IMO, Greenspan was one of the key players that lead the world to near financial Armageddon just a few years ago. How anyone could give him a...
by Allocationist
Sat Mar 10, 2012 12:50 pm
Forum: Personal Consumer Issues
Topic: Do you read the Wall Street Journal?
Replies: 37
Views: 3284

Re: Do you read the Wall Street Journal?

Yes, although the new ownership seems be taking a more narrow slant on reporting that I don't like. Also, I've noticed each visit to their web site results in an attempt to load eleven tracking elements to my browser (Firefox with the Ghostery add-on). They apparently sell or distribute their subscr...
by Allocationist
Sun Mar 04, 2012 8:34 pm
Forum: Personal Consumer Issues
Topic: Prius vs. Camry Hybrid
Replies: 5
Views: 3017

Prius vs. Camry Hybrid

Don't want to hijack the current Prius thread so I'm starting a new one. The essence of the Prius thread seems to be very favorable for that vehicle. I have a couple of friends who own the Prius and they are happy with them although they have mentioned a lack of sound suppression (road/wind noise) a...
by Allocationist
Wed Feb 29, 2012 3:10 pm
Forum: Personal Consumer Issues
Topic: Need internet email account
Replies: 49
Views: 3234

Re: Need internet email account

My preferred web-based program is Yahoo Mail Plus. m The $20 per year is well worth it for me. My favorite feature is the hundreds of "disposable" addresses you can create. Each disposable address seamlessly forwards your mail to your base address without the sender knowing your real e-mai...
by Allocationist
Sat Feb 11, 2012 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Giving SS number to healthcare providers
Replies: 55
Views: 4641

Re: Giving SS number to healthcare providers

I enrolled in Medicare a few years ago. I was surprised to learn my Medicare number was my social security number followed by a letter. I made a high quality copy of my Medicare card, removed the last four digits of my S.S. number and laminated the card. I put my original Medicare card in a safe pla...
by Allocationist
Tue Jan 24, 2012 2:32 pm
Forum: Investing - Theory, News & General
Topic: Limitations to Online Statement Downloads from Vanguard
Replies: 22
Views: 2044

Re: Limitations to Online Statement Downloads from Vanguard

I download statements from Vanguard, Fidelity and Schwab. Vanguard is, by far, the least user-friendly and most cumbersome. My experience with I.T. departments is that their first response to a request to fix a problem is often: "It can't be done" even if it already is done by other compan...
by Allocationist
Sun Dec 25, 2011 1:03 pm
Forum: Personal Consumer Issues
Topic: Seeking input: AWD or 2WD?
Replies: 41
Views: 3183

Re: Seeking input: AWD or 2WD?

A 2012/2013 Lexus GS350

http://www.lexus.com/GS-2013

I cannot foresee a situation when the car would be driven on snow or ice.

Thank you for the input.
by Allocationist
Sat Dec 24, 2011 7:22 pm
Forum: Personal Consumer Issues
Topic: Seeking input: AWD or 2WD?
Replies: 41
Views: 3183

Seeking input: AWD or 2WD?

I am planning on buying a sedan in the near future and I would appreciate any suggestions to help me decide if I want/need all-wheel-drive or if two-wheel (rear) drive will be just fine. The AWD option costs an additional +/- $2,000. Background: I am a conservative driver that likes to minimize fast...
by Allocationist
Tue Dec 06, 2011 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on how to sell a Timeshare?
Replies: 15
Views: 1270

Re: Advice on how to sell a Timeshare?

Within the past 18 months I sold one timeshare (Maui) at a profit and couldn't sell another (Maui) timeshare for any price so we donated it to charity. Fortunately we purchased the timeshare we ended up donating at a very low price on the secondary market so we were able to write off the loss as a d...
by Allocationist
Mon Nov 28, 2011 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take your SS, or wait
Replies: 63
Views: 6125

Re: Would you take your SS, or wait

sscritic:

Thank you for your continued input. I really value your information and insights!
by Allocationist
Tue Sep 27, 2011 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Low cost will: how do I create and store one?
Replies: 8
Views: 1218

A close family member used Quicken Willmaker and was happy with the program and result.

Of course an attorney specializing in estate planning would give you more confidence in the result but at much greater expense.
by Allocationist
Sat Aug 06, 2011 3:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. loses AAA credit rating from S&P
Replies: 286
Views: 30309

Allocationist wrote:Yankees/Mets


I would have expected to see "Yankees/Red Sox" there. Heh. :twisted:[/quote]

I'm busted... don't follow baseball and live on the left coast 8-)
by Allocationist
Sat Aug 06, 2011 3:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. loses AAA credit rating from S&P
Replies: 286
Views: 30309

Another POV

As an "active lurker" I enjoy this forum to build my investment knowledge base and to gain insight into the current sentiment of informed investors. My thanks to everyone to participates! I am finding this thread especially interesting because: 1. <For understandable reasons> The forum rul...
by Allocationist
Thu Jun 02, 2011 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing with First Internet Bank -- any experiences
Replies: 21
Views: 3489

My daughter refinanced her home through FIB several months ago. I did a lot of the leg work for her so I am familiar with the experience. Overall, I highly recommend them. The process got off to a slow start when the loan officer did not appear to be taking action on the new application and was diff...
by Allocationist
Wed Jan 12, 2011 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Taking money out of a trust?
Replies: 4
Views: 1479

As someone who has served as a trustee for several trusts I have a suggestion for your consideration. When I began to serve as a trustee my biggest surprise was the much higher tax rates (Federal and State) for trusts versus individuals. Of course minimizing taxes are just one factor in your situati...
by Allocationist
Tue Jan 11, 2011 2:21 pm
Forum: Personal Consumer Issues
Topic: Fossil Fuels 100 years from now?
Replies: 19
Views: 2112

Another example of the enlightened American view while those foolish Chinese are buying up energy assets throughout the world.
by Allocationist
Sat Dec 18, 2010 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions for home mortgage refi lender
Replies: 16
Views: 3697

This is an update to my October 13th post asking for lender suggestions for a 30-year fixed rate mortgage refinance. Based on the input from this forum my daughter applied to First Internet Bank of Indiana (FIB). Initially the customer service was not as good as hoped- probably due to the large numb...