Search found 352 matches

by DoubleClick
Sun Apr 23, 2017 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Baby on the way checklist
Replies: 18
Views: 1236

Re: Baby on the way checklist

Congrats! There are several baby checklist threads going by memory. Did you search? Example:

viewtopic.php?t=128310
by DoubleClick
Sat Apr 22, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: Moving... and U-haul trucks are expensive!
Replies: 25
Views: 2231

Re: Moving... and U-haul trucks are expensive!

Rent a pickup truck from a car rental company like enterprise. There is no mileage charge for those.
by DoubleClick
Wed Apr 19, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: CA State Tax Refund ~ 3 Month Processing Time
Replies: 19
Views: 1435

Re: CA State Tax Refund ~ 3 Month Processing Time

TheEternalVortex wrote:I called and they said I have to wait twelve weeks. Meh


Whoa.

Thanks, this saves me (and CA) a call.
by DoubleClick
Wed Apr 19, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: CA State Tax Refund ~ 3 Month Processing Time
Replies: 19
Views: 1435

Re: CA State Tax Refund ~ 3 Month Processing Time

I'm yet to receive mine: We received your 2016 California Income Tax return on:Wednesday, March 8, 2017. We are taking longer than expected to process your return. Interestingly, I mailed this on Mar 11 ! Didn't know first class mail could be this fast :shock: . I have a large refund due. Should I p...
by DoubleClick
Tue Apr 18, 2017 3:57 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard HSA for me? Best implementation?
Replies: 7
Views: 753

Re: Vanguard HSA for me? Best implementation?

*3!4!/5! wrote:There is no such thing as a "Vanguard HSA". It does not exist.

+1.

https://personal.vanguard.com/us/whatwe ... lthsavings

OP, not sure what you mean. Are you perhaps talking about buying vanguard funds inside an HSA account with with some other provider?
by DoubleClick
Fri Apr 14, 2017 2:32 am
Forum: Personal Finance (Not Investing)
Topic: How "safe" is our/my money?
Replies: 6
Views: 1149

Re: How "safe" is our/my money?

One easy safety-increasing feature banks could provide is a separate read only login. Many logins are read only. Modify-capable logins could be a lot more stringent. E.g., triple factor. Read only logins would also allow giving your credentials to aggregator sites
by DoubleClick
Mon Apr 10, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Are mutual funds better than ETF`s in a taxable account with no selling at all
Replies: 13
Views: 719

Re: Are mutual funds better than ETF`s in a taxable account with no selling at all

My understanding is, this difference does not apply to vanguard ETFs and mutual funds in particular, since they share each others' benefits.
by DoubleClick
Thu Apr 06, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Packing cubes for travel
Replies: 60
Views: 4061

Re: Packing cubes for travel

Never heard of these so I had to look them up. How is any better than just packing the clothes into the suitcase? Seems like it's an extra step to pack the clothes into the little container and the put that into the suitcase. Now to get dressed you have to open up each individual container to get a...
by DoubleClick
Wed Mar 22, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: How do I share internet with my neighbor?
Replies: 17
Views: 1433

Re: How do I share internet with my neighbor?

misterno wrote:I live in a remote area so there is a oligopoly of ISPs where I live and thus very expensive.


Lucky you. In most other places, remote or not, it is effectively monopolies.
by DoubleClick
Mon Mar 13, 2017 3:25 am
Forum: Personal Finance (Not Investing)
Topic: To buy or rent?
Replies: 25
Views: 2179

Re: To buy or rent?

. People do tell me to buy to lock in the low interest rates (chance of a lifetime?). People always say this, and twenty other reasons why buying now is a chance of a lifetime, and you'll regret not doing so. Reality is way more complex. Prices may go up to compensate for the low interest rates, or...
by DoubleClick
Wed Mar 08, 2017 11:00 pm
Forum: Personal Consumer Issues
Topic: Safest way to encrypt pdf tax documents to send via email?
Replies: 40
Views: 2315

Re: Safest way to encrypt pdf tax documents to send via email?

Pdfrider.Codeplex.com

Free, open source, will encrypt pdfs. Nothing special needed on the recipient's side.
by DoubleClick
Thu Mar 02, 2017 2:23 am
Forum: Personal Finance (Not Investing)
Topic: How much are independent contractors really taxed?
Replies: 44
Views: 2951

Re: How much are independent contractors really taxed?

JoMoney, I wouldn't be surprised if one could work out a very specific scenario what you said is plausible, but that is precisely my point: a whole bunch of narrow conditions would need to hold for your taxes to exceed many other states by a potentially small margin. You'd have to earn around $55k i...
by DoubleClick
Sun Feb 26, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: How much are independent contractors really taxed?
Replies: 44
Views: 2951

Re: How much are independent contractors really taxed?

When I was living in California, I was looking at doing some part time work as an independent contractor in addition to my normal day job that already put me at the top of the 25% federal tax bracket. For each additional dollar I earned it would have been 25% Federal Tax + 15% Self Employment (FICA...
by DoubleClick
Fri Feb 24, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Ethical dilemma involving birthdays and wine..
Replies: 35
Views: 3683

Re: Ethical dilemma involving birthdays and wine..

(For the younger generation, a check is used like a debit card, except it's paper, one-time use, and you have to write the transaction amount on it. The good news is that more humans can accept a check than can accept a debit card.) Hmmm.....intriguing. And what exactly is this "writing" ...
by DoubleClick
Thu Feb 16, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: I may be a workaholic?
Replies: 24
Views: 2231

Re: I may be a workaholic?

What triggered you to post this? Is it an inner voice saying that there may be more to life than work? If so, do you have a sense of how you can follow that voice to see where it leads?
by DoubleClick
Tue Feb 07, 2017 3:55 am
Forum: Investing - Theory, News & General
Topic: Too good to be true? [Bogleheads' model of index investing]
Replies: 48
Views: 5796

Re: Too good to be true?

Index investing is "average" by definition. Far from too good to be true :).
by DoubleClick
Sun Feb 05, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: ESPP Tax Rates [Employee Stock Purchase Plan]
Replies: 11
Views: 1117

Re: ESPP Tax Rates [Employee Stock Purchase Plan]

http://fairmark.com/execcomp/espp/qualifying.htm Lesser of the starting price * discount % or the actual profit. Wow, thank you for pointing this out again. My understanding is much better now. Thus far, I had taken mental shortcuts which now I realize made the assumption that the ending price woul...
by DoubleClick
Sun Feb 05, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: ESPP Tax Rates [Employee Stock Purchase Plan]
Replies: 11
Views: 1117

Re: ESPP Tax Rates [Employee Stock Purchase Plan]

Ok, I still don't get tfb's calculations. Why is W2 income $4.50 per share? For a qualifying disposition, shouldn't it be just the discount off the price at time of purchase, which is $1.50 (10 - 8.50) ?
by DoubleClick
Sun Feb 05, 2017 2:04 am
Forum: Personal Finance (Not Investing)
Topic: ESPP Tax Rates [Employee Stock Purchase Plan]
Replies: 11
Views: 1117

Re: ESPP Tax Rates [Employee Stock Purchase Plan]

Thanks tfb, appreciated! I'm confused as to why you are taxed 15% on $30, so I guess I need to read up some more.
by DoubleClick
Sun Feb 05, 2017 12:23 am
Forum: Personal Finance (Not Investing)
Topic: ESPP Tax Rates [Employee Stock Purchase Plan]
Replies: 11
Views: 1117

Re: ESPP Tax Rates [Employee Stock Purchase Plan]

If you sell immediately and then hold, only the price appreciation after $30 is long-term gain. By "then hold" here, you mean, hold an index fund instead of the company stock, right? I'm confused by the "sell, then hold" part... If the price was down, holding can make it worse. ...
by DoubleClick
Fri Feb 03, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: GF has long commute, should we buy a house to avoid long commute?
Replies: 62
Views: 4836

Re: GF has long commute, should we buy a house to avoid long commute?

b42 wrote:Is another option to rent a place closer to her work, then look into buying a home?


+1. Why aren't you considering this?
by DoubleClick
Fri Jan 27, 2017 1:21 am
Forum: Investing - Help with Personal Investments
Topic: My 401k fees - worth it?
Replies: 6
Views: 668

Re: My 401k fees - worth it?

It depends on what your overall allocation is and if you need those options in your old 401k to implement it. If you just want a three-fund portfolio, or you have half a million in taxable and Roth IRA assets, you can probably transfer to your new 401k and save the $80 a year. If you are slicing an...
by DoubleClick
Thu Jan 26, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k fees - worth it?
Replies: 6
Views: 668

Re: My 401k fees - worth it?

I'm not considering an IRA because of potential backdoor Roth.
by DoubleClick
Thu Jan 26, 2017 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k fees - worth it?
Replies: 6
Views: 668

My 401k fees - worth it?

So I still have some money left at a previous employer's 401k. They charge fees of about $80 on close to $100k I have there. This is like a 0.08% ER. However, the choice of funds is excellent, including many low ER commission free ETFs including an REIT which I currently use. My other option is to r...
by DoubleClick
Fri Jan 13, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: Door lock actuators: am I getting fleeced?
Replies: 31
Views: 4557

Re: Door lock actuators: am I getting fleeced?

mmmodem wrote:Its finicky work to install actuators. On my 1998 Corolla, I chose to use the key. The double twist of the key unlocks the all the doors. Problem solved.


The double twist uses the actuator as well. Disconnect the battery and try the double twist and you'll see it doesn't work.
by DoubleClick
Thu Jan 12, 2017 5:19 am
Forum: Personal Consumer Issues
Topic: Keeping kitchen knives sharp
Replies: 54
Views: 4462

Re: Keeping kitchen knives sharp

It took me a while to realize that 95% of knife maintenance is not sharpening (involves taking metal off) but honing (no metal taken off, only straightened). I hone quickly almost every session, and my knifes are extremely sharp all the time. I now sharpen about once a year. https://www.amazon.com/g...
by DoubleClick
Tue Dec 13, 2016 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Well, just got first pair of golden handcuffs
Replies: 58
Views: 9041

Re: Well, just got first pair of golden handcuffs

You must remember now that your tax situation may change - salary, bonus and now if you exercise the RSU you could trigger AMT causing you to pay more taxes ! I don't see how. RSUs have nothing to do with AMTs that regular income doesn't . I think you're thinking about ISOs, not RSUs. The latter si...
by DoubleClick
Tue Dec 13, 2016 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Well, just got first pair of golden handcuffs
Replies: 58
Views: 9041

Re: Well, just got first pair of golden handcuffs

You must remember now that your tax situation may change - salary, bonus and now if you exercise the RSU you could trigger AMT causing you to pay more taxes ! I don't see how. RSUs have nothing to do with AMTs that regular income doesn't. I think you're thinking about ISOs, not RSUs. The latter sim...
by DoubleClick
Sun Dec 04, 2016 8:18 pm
Forum: Personal Consumer Issues
Topic: Merkur Safety Razor = money saved
Replies: 25
Views: 1915

Re: Merkur Safety Razor = money saved

4. I fly with the razor empty (no blade), but put a blade somewhere in my suitcase. Once had TSA go through my belongings & I had to take the razor apart & show there were nothing hidden in the handle or head. I don't think the guy had ever seen a DE razor before. Is your suitcase check in ...
by DoubleClick
Sat Dec 03, 2016 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Walk me through donating appreciated shares (tax question)
Replies: 19
Views: 989

Re: Walk me through donating appreciated shares (tax question)

Also, I think one should use the DAF as a conduit to charity and not keep assets in it. So with a $5,000 minimum initial contribution to a DAF and a 0.60% fee, that is just $30 a year fee. If one is dealing with $100 to $500 amounts occasionally, then a DAF is not for them. And giving $500 worth of...
by DoubleClick
Sat Dec 03, 2016 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Walk me through donating appreciated shares (tax question)
Replies: 19
Views: 989

Re: Walk me through donating appreciated shares (tax question)

I think it is a mistake to characterize the expense ratio of legit DAF's as staggering. Also diffrent DAFs have different minimums. What do you consider "quite high"? You can become the volunteer accountant for . Great, that's what I was looking for, thanks! To answer your earlier questio...
by DoubleClick
Sat Dec 03, 2016 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Walk me through donating appreciated shares (tax question)
Replies: 19
Views: 989

Re: Walk me through donating appreciated shares (tax question)

Thanks, but a) the minimums for a DAF are quite high, and b) the expense ratio is staggering. I think it is a mistake to characterize the expense ratio of legit DAF's as staggering. Also diffrent DAFs have different minimums. What do you consider "quite high"? You can become the volunteer...
by DoubleClick
Sat Dec 03, 2016 7:08 am
Forum: Investing - Help with Personal Investments
Topic: Walk me through donating appreciated shares (tax question)
Replies: 19
Views: 989

Re: Walk me through donating appreciated shares (tax question)

Call up charity and talk to them. If they say, "We don't accept donations of shares because we don't know how to receive them", then one can open a donor-advised fund at Fidelity or elsewhere and donate the shares to the newly opened DAF. Then one can have the DAF donate cash to the chari...
by DoubleClick
Sat Dec 03, 2016 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Walk me through donating appreciated shares (tax question)
Replies: 19
Views: 989

Re: Walk me through donating appreciated shares (tax question)

I don't know if the OP was asking this, but what is the procedure to donate appreciated stock to a charity, particularly if the charity doesn't know how to receive it?
by DoubleClick
Sat Nov 26, 2016 5:50 am
Forum: Personal Consumer Issues
Topic: Long ethernet cable or wireless?
Replies: 81
Views: 6823

Re: Long ethernet cable or wireless?

I like KlangFool's suggestion to use MAC address filter. I considered doing that in the past, but as indicated in another post, MAC addresses are easy to spoof. I've heard that argument before and yet nothing quantitative on the ease of spoofing. I mean, HOW easy are MAC addresses to spoof? Extreme...
by DoubleClick
Fri Nov 25, 2016 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software for 2016
Replies: 76
Views: 8034

Re: H&R Block Tax Software for 2016

H&R used to have a barebones dollar store version. Do they still? Would be useful for year end fine tuning.
by DoubleClick
Thu Nov 10, 2016 1:22 am
Forum: Personal Consumer Issues
Topic: Wife's Colleague Scratched our car with his car
Replies: 30
Views: 4140

Re: Wife's Colleague Scratched our car with his car

You to get the money but using it to fix the car is your choice.
by DoubleClick
Thu Nov 03, 2016 10:08 am
Forum: Personal Finance (Not Investing)
Topic: HSA last month rule
Replies: 2
Views: 551

Re: HSA last month rule

Thanks for confirming, Pajamas.

That would be a good reason, but then why make it dependent on the succeeding 12 months, and why make contributions prorated in the absence of the last month rule would be my question.
by DoubleClick
Wed Nov 02, 2016 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: HSA last month rule
Replies: 2
Views: 551

HSA last month rule

I've been under a non hdhp plan for all of this year, and will be in an HSA eligible hdhp plan for December only. My reading of the last month rule is that if I continue that coverage through the end of next December - that is, 13 months at least, then I can contribute the full eligible HSA amount i...
by DoubleClick
Sat Oct 22, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: Cheapskate for not flying business class?
Replies: 81
Views: 7005

Re: Cheapskate for not flying business class?

warowits put it very well. One thing to add: there's always the possibility that a decade or two down the line, your body would truly appreciate and may even require business class, at which point it may be much more justified. Until then, I would be so thankful to be able to enjoy coach and instead...
by DoubleClick
Fri Oct 14, 2016 3:33 am
Forum: Personal Finance (Not Investing)
Topic: My tax situation, looking for advice or for someone to take a look at it
Replies: 40
Views: 3667

Re: My tax situation, looking for advice or for someone to take a look at it

I own a house, pay taxes, interest, and have depreciation, but I also report about +$5000 cash income for my wife based on her personal work/etc. Gamma Ray, Your wife could start an individual 401K account and contribute the whole $5,000 income. Hence, none of this is taxable. I just save you $1,90...
by DoubleClick
Thu Oct 13, 2016 10:54 am
Forum: Personal Consumer Issues
Topic: Southwest...getting the miles by year end
Replies: 30
Views: 2853

Re: Southwest...getting the miles by year end

Square or PayPal account and an optional card reader: charge yourself $17k. Less than $500 in fees. Interesting, did not know you could do that. Yea. Definitely do not do that unless you can stomach the possibility that they would hold your money hostage for undisclosed amounts of time. I don't use...
by DoubleClick
Thu Oct 13, 2016 9:09 am
Forum: Personal Consumer Issues
Topic: Southwest...getting the miles by year end
Replies: 30
Views: 2853

Re: Southwest...getting the miles by year end

Square or PayPal account and an optional card reader: charge yourself $17k. Less than $500 in fees.
by DoubleClick
Sun Oct 09, 2016 2:16 pm
Forum: Investing - Theory, News & General
Topic: Dilbert Sums Up Exactly How I feel at times
Replies: 34
Views: 4798

Re: Dilbert Sums Up Exactly How I feel at times

The reason this clip is NOT good is because it assumes Dilbert knows what all the WRONG things are (investing-wise) but yet doesn't know what are the right things to be doing instead. I'm sure Dilbert knows the right things investing wise. He just doesn't know how to resolve his awkward workplace o...
by DoubleClick
Sat Sep 24, 2016 1:43 pm
Forum: Investing - Theory, News & General
Topic: How can markets be efficient if home prices are higher in the spring?
Replies: 50
Views: 2584

Re: How can markets be efficient if home prices are higher in the spring?

It just seems very fishy to me whenever anyone says "Oh, if you wait a few months, you can [statistically, historically] sell this object for more money than you could right now." Beware of the implied assumption there that the overall real estate market (unrelated to time of the year) wo...
by DoubleClick
Fri Sep 23, 2016 7:10 pm
Forum: Investing - Theory, News & General
Topic: How can markets be efficient if home prices are higher in the spring?
Replies: 50
Views: 2584

Re: How can markets be efficient if home prices are higher in the spring?

It just seems very fishy to me whenever anyone says "Oh, if you wait a few months, you can [statistically, historically] sell this object for more money than you could right now." Beware of the implied assumption there that the overall real estate market (unrelated to time of the year) wo...
by DoubleClick
Thu Sep 22, 2016 2:42 am
Forum: Personal Finance (Not Investing)
Topic: Stay a 1099 contractor or incorporate?
Replies: 18
Views: 1722

Re: Stay a 1099 contractor or incorporate?

If your account it is worth their salt, then ask for an estimate of exactly how much you would save by incorporating and exactly how.

I'd then find out the accountants interest in your incorporating. How much do they get to charge you for it every year?
by DoubleClick
Tue Sep 20, 2016 5:20 pm
Forum: Personal Consumer Issues
Topic: Losing cell phone memory; not sure why or how to stop it!
Replies: 15
Views: 1675

Re: Losing cell phone memory; not sure why or how to stop it!

You're looking for a solution, but what is the problem? Apps cache what they need to speed things up. If memory fills up and they cannot cache, the system will manage things by kicking out unused cache parts. There's going to be no real problem. If you use it for "just the basics," you sho...
by DoubleClick
Mon Sep 12, 2016 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: What to put in Roth IRA? New to investing in mid-30s
Replies: 10
Views: 1112

Re: What to put in Roth IRA? New to investing in mid-30s

Really doesn't matter what you put in, because you can change it at any time without tax consequences. Pick, say, S&P index fund, or a Vanguard REIT or a Bond fund. Next year, when you have a better view of your finances, you can do asset allocation and asset location.
by DoubleClick
Mon Sep 12, 2016 7:38 pm
Forum: Personal Consumer Issues
Topic: Copper tubing - the joke is on me!!
Replies: 6
Views: 1351

Re: Copper tubing - the joke is on me!!

Well, if the screw you have loose is a copper screw, the joke is on them! Err wait....

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