Search found 4351 matches

by Leesbro63
Fri Feb 12, 2016 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard REIT 1099-DIV Now Up
Replies: 4
Views: 387

Re: Vanguard REIT 1099-DIV Now Up

Leesbro63 wrote:
livesoft wrote:Yes, but why would one get one of these anyways? After all, one typically doesn't hold a REIT fund in a taxable account. :)


Typically not. But sometimes yes
by Leesbro63
Fri Feb 12, 2016 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard REIT 1099-DIV Now Up
Replies: 4
Views: 387

Re: Vanguard REIT 1099-DIV Now Up

livesoft wrote:Yes, but why would one get one of these anyways? After all, one typically doesn't hold a REIT fund in a taxable account. :)


Typically. But not always
by Leesbro63
Fri Feb 12, 2016 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard REIT 1099-DIV Now Up
Replies: 4
Views: 387

Vanguard REIT 1099-DIV Now Up

I got Email today and see it online.
by Leesbro63
Mon Feb 08, 2016 10:09 am
Forum: Investing - Theory, News & General
Topic: "Picking Individual Stocks is a Loser's Game"
Replies: 75
Views: 6304

Re: "Picking Individual Stocks is a Loser's Game"

saurabh wrote:

It is a big mistake to think smart people in one area make smart decisions in one outside of their area of expertise. For all we know they have delegated all financial choices to a FA so that they can concentrate on their career.


+1
by Leesbro63
Mon Feb 08, 2016 10:08 am
Forum: Investing - Theory, News & General
Topic: "Picking Individual Stocks is a Loser's Game"
Replies: 75
Views: 6304

Re: Why old investors own individual stocks.

saurabh: Many older investors invested in individual stocks when mutual funds were almost unknown and carried 8 1/2% commissions. Many of these long-ago purchased stocks have large-capital gains which will trigger taxes if sold -- but be tax-free at death. This is the reason why many elderly invest...
by Leesbro63
Sun Feb 07, 2016 5:29 pm
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 110
Views: 6070

Re: Sibling's destination wedding?

They got you. Unless you REALLY are in a hardship situation, every time you buy a new car or take a vacation or do whatever, they're gonna say "Huh! he bought/did <fill in the consumption> and couldn't come to our big day." My advice is if you don't go or don't take the whole family, don't...
by Leesbro63
Sat Feb 06, 2016 3:18 pm
Forum: Investing - Theory, News & General
Topic: "Picking Individual Stocks is a Loser's Game"
Replies: 75
Views: 6304

Re: "Picking Individual Stocks is a Loser's Game"

To be fair to the Supreme Court justices, many of them are older and the pre-historic way to be a Boglehead was to buy blue chip stocks and hold them forever (or until they failed then sell for the tax loss). Index investing is now well known but it wasn't this way until the last 10-15 years really....
by Leesbro63
Wed Feb 03, 2016 7:43 pm
Forum: Personal Consumer Issues
Topic: Xfinity X1 Remote Question
Replies: 19
Views: 1273

Re: Xfinity X1 Remote Question

Am I the only one who hates that as soon as you turn on the tv with the remote, it starts blaring some random channel. I come from the Netflix and FireTV world where I can browse quietly before selecting a show. I am happy to pay modestly for cable service, but the whole concept of a DVR aggravates...
by Leesbro63
Wed Feb 03, 2016 7:10 am
Forum: Personal Consumer Issues
Topic: Xfinity X1 Remote Question
Replies: 19
Views: 1273

Re: Xfinity X1 Remote Question

In my experience from 2 years ago, the smart TV features/apps are inferior to what you get with a Roku, Apple TV or other streaming device. Poor user interface, sluggish performance etc. How well do the smart TV features work on your new TV? MUUUUUUUCH easier/integrated than switching the TV HDMI, ...
by Leesbro63
Tue Feb 02, 2016 7:27 pm
Forum: Personal Consumer Issues
Topic: Xfinity X1 Remote Question
Replies: 19
Views: 1273

Re: Xfinity X1 Remote Question

Naah. I'm not buying that this is tough to do. There are 5, maybe 10 major brands. The Comcast remotes are made to control the major functions of any of those. The "Smart TV" thing...to allow Amazon, Netflix, YouTube and other "internet based" services is probably somewhat standa...
by Leesbro63
Tue Feb 02, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Xfinity X1 Remote Question
Replies: 19
Views: 1273

Re: Xfinity X1 Remote Question

I have no first hand experience with their remotes (I always use URC remotes and program them myself) but it looks like they're designed just to allow you to control power and volume of a TV. With some remotes the TV input can be controlled or the power and volume of a receiver/sound bar can be con...
by Leesbro63
Tue Feb 02, 2016 10:17 am
Forum: Personal Consumer Issues
Topic: Xfinity X1 Remote Question
Replies: 19
Views: 1273

Re: Xfinity X1 Remote Question

Nummerkins wrote:It's most likely a universal remote. You should be able to program it to control your TV.

http://customer.xfinity.com/remotes


Nope. I called Comcast and they pretty much admitted that their device won't enable/work for internet apps on Smart TVs because they compete with Comcast.
by Leesbro63
Mon Feb 01, 2016 5:17 pm
Forum: Personal Consumer Issues
Topic: Xfinity X1 Remote Question
Replies: 19
Views: 1273

Xfinity X1 Remote Question

Is my assumption correct: That the Comcast Xfinity X1 Remote will not allow me to access Netflix (or Amazon or any other non-Comcast service) on a new "Smart" TV with that stuff built in? That to watch that, I'll have to retain the TV manufacturer's remote? The X1 remote does so much...I a...
by Leesbro63
Mon Feb 01, 2016 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Giving to vs. saving for charity
Replies: 39
Views: 1943

Re: Giving to vs. saving for charity

Are hospitals still considered charities?
by Leesbro63
Mon Feb 01, 2016 10:45 am
Forum: Personal Consumer Issues
Topic: Buy a TV Warranty?
Replies: 32
Views: 1636

Re: Buy a TV Warranty?

Only warranty we've ever bought was on a high end fridge in house remodel. It proved to a good thing for us. But with a compressor etc, more parts to fail. Most TVs, if they survive first year problem free should be good for years. Not related to my original post about the TV, but we have a Sears r...
by Leesbro63
Mon Feb 01, 2016 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Giving to vs. saving for charity
Replies: 39
Views: 1943

Re: Giving to vs. saving for charity

Charitable giving is emotionally more powerful than saving. It's amazing how your priorities in life are changed if your giving is part of your first fruits, not just what is left over. Unless you are a long term thinker, like Warren Buffett. Imagine how much more his accumulated wealth will do for...
by Leesbro63
Sun Jan 31, 2016 5:02 pm
Forum: Personal Consumer Issues
Topic: Buy a TV Warranty?
Replies: 32
Views: 1636

Re: Buy a TV Warranty?

Wow! I struck a chord here. So far the responses are pretty equal, with one thoughtful comment to not spend that much for a TV!
by Leesbro63
Sun Jan 31, 2016 2:08 pm
Forum: Personal Consumer Issues
Topic: Buy a TV Warranty?
Replies: 32
Views: 1636

Buy a TV Warranty?

Ok, as per my prior post, we decided to buy a 65 inch Sony XBR65X930C 65" TV from Best Buy. I've never paid more than $700 for a TV before, but this one is $2800. I generally do not buy extended warranties, but am wondering if maybe we should. 1. I did not price out the Best Buy warranty yet. M...
by Leesbro63
Sat Jan 30, 2016 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Giving to vs. saving for charity
Replies: 39
Views: 1943

Re: Giving to vs. saving for charity

Giving to charity while alive feels good. I like Warren Buffett's approach...grow that money while alive to something much bigger than the cumulative amount of what would be lifetime gifts. Then leave it to charity then. As he said...I'm paraphrasing...it's unlikely that the need for charity will ha...
by Leesbro63
Thu Jan 28, 2016 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-Q 529 form - did I exceed qualified expenses?
Replies: 24
Views: 884

Re: 1099-Q 529 form - did I exceed qualified expenses?

Thanks for the info and experiences. Seems like the IRS has a fairly high inquiry rate regarding 529 distributions based on this small sample. Will keep the various tuition bills along with the 1098 and 1099 in a special file, as it sounds like an inquiry regarding 529 distributions would be more p...
by Leesbro63
Thu Jan 28, 2016 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-Q 529 form - did I exceed qualified expenses?
Replies: 24
Views: 884

Re: 1099-Q 529 form - did I exceed qualified expenses?

If you are comfortable that your withdrawals were all qualified, then for tax reporting purposes you probably can ignore it all as you have done. I would have expected some sort of reconciliation form required on tax returns by now, but this hasn't happened. Even if you get "audited", my e...
by Leesbro63
Thu Jan 28, 2016 10:11 am
Forum: Personal Finance (Not Investing)
Topic: 1099-Q 529 form - did I exceed qualified expenses?
Replies: 24
Views: 884

Re: 1099-Q 529 form - did I exceed qualified expenses?

Interesting contrast. My accounts were opened just after the tax law was changed to make qualified 529 plan withdrawals tax free...about 2001ish. And because it was invested in a prepaid account that tracked the whopping tuition increases at Penn State, there are huge gains, despite poor stock marke...
by Leesbro63
Thu Jan 28, 2016 8:24 am
Forum: Personal Finance (Not Investing)
Topic: 1099-Q 529 form - did I exceed qualified expenses?
Replies: 24
Views: 884

Re: 1099-Q 529 form - did I exceed qualified expenses?

For what it's worth, I've learned that the semester starting in January should not be paid until January and the 529 money should not be withdrawn until January. Doing any of that in December causes the timing problems discussed here. I get it that many schools required tuition to be paid in Decembe...
by Leesbro63
Wed Jan 27, 2016 1:58 pm
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 124
Views: 6213

Re: perfectly happy with cable

In general I agree with the OP. It's the pricing games that Comcast plays that ticks me off. Frequent new or increased nusance fees. Usually hidden deep in the many page bill. Selling a 2 year plan, then finding out that it was just for content and they can and did raise the equipment fee...twice. H...
by Leesbro63
Tue Jan 26, 2016 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Longevity Insurance
Replies: 32
Views: 1801

Re: Longevity Insurance

bsteiner wrote:I don't ask accountants what the law is. I tell accountants what the law is.



THIS is why I love Bogleheads! 8-)
by Leesbro63
Tue Jan 26, 2016 11:45 am
Forum: Personal Consumer Issues
Topic: Modems and Routers
Replies: 29
Views: 2646

Re: Modems and Routers

I'll keep checking but realistically, my internet is fast enough to do whatever I use it for, including Netflix. If I can count my money in 1/100th of a millisecond versus 3/100ths of a millisecond, isn't that good enough? Sometimes perfect is the enemy of good enough.
by Leesbro63
Tue Jan 26, 2016 7:24 am
Forum: Personal Consumer Issues
Topic: Modems and Routers
Replies: 29
Views: 2646

Re: Modems and Routers

I found out that I have the 150mbps service and my download speed is actually 138mbps. Comcast says this is fine. So I guess I'll stick with my current 4-5 year old equipment for now.
by Leesbro63
Mon Jan 25, 2016 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapeast Card With Primary Rental Car Coverage
Replies: 9
Views: 856

Re: Cheapeast Card With Primary Rental Car Coverage

Bump. I am surprised that more Bogleheads aren't concerned about using a card with primary rental auto coverage. Cheapest doesn't really matter to me. I have cards that offer primary but they have AF's. However, they don't provide what I need for some of my rentals so I actually use AmEx's premium ...
by Leesbro63
Mon Jan 25, 2016 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Cheapeast Card With Primary Rental Car Coverage
Replies: 9
Views: 856

Re: Cheapeast Card With Primary Rental Car Coverage

Bump. I am surprised that more Bogleheads aren't concerned about using a card with primary rental auto coverage.
by Leesbro63
Sun Jan 24, 2016 1:43 pm
Forum: Personal Consumer Issues
Topic: Modems and Routers
Replies: 29
Views: 2646

Re: Modems and Routers

I just tested my speeds...128mbps download, 12 mbps up. Is that good?
by Leesbro63
Sun Jan 24, 2016 10:20 am
Forum: Personal Consumer Issues
Topic: What 55" TV to Buy
Replies: 51
Views: 3340

Re: What 55" TV to Buy

I'm in Pittsburgh. Football is OVER :annoyed .Not there yet but I did get out yesterday and think am leaning towards the Samsung curved Here is a review of Samsung curved: http://www.cnet.com/news/trouble-with-the-curve-what-you-need-to-know-about-curved-tvs/ This is VERY interesting. I will reeval...
by Leesbro63
Sun Jan 24, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: What 55" TV to Buy
Replies: 51
Views: 3340

Re: What 55" TV to Buy

I'm in Pittsburgh. Football is OVER :annoyed .Not there yet but I did get out yesterday and think am leaning towards the Samsung curved
by Leesbro63
Sun Jan 24, 2016 9:28 am
Forum: Investing - Theory, News & General
Topic: Podcasts - financial
Replies: 14
Views: 1167

Re: Podcasts - financial

Also the consumer advocate, Clark Howard
by Leesbro63
Sun Jan 24, 2016 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Cheapeast Card With Primary Rental Car Coverage
Replies: 9
Views: 856

Cheapeast Card With Primary Rental Car Coverage

What's the cheapest (low or not annual fee) credit card that has PRIMARY rental car coverage? I currently have the Chase Sapphire Preferred with a $95 fee, that was waived for me for the first year. Before that I had Discover Escape ($60 fee), but that card has been discontinued. Are there any other...
by Leesbro63
Sun Jan 24, 2016 7:28 am
Forum: Personal Consumer Issues
Topic: Modems and Routers
Replies: 29
Views: 2646

Modems and Routers

OK, so while I'm upgrading my TV and Comcast service (to "X1"), I thought I'd ask about internet. I currently OWN a Comcast approved modem that I bought a few years ago at Best Buy, as well as my own NETGEAR router with WIFI. I like the idea of buying the equipment, as I think it ends up b...
by Leesbro63
Sat Jan 23, 2016 5:55 pm
Forum: Personal Consumer Issues
Topic: Best Credit Card For Monster Hotel Bill
Replies: 23
Views: 2425

Re: Best Credit Card For Monster Hotel Bill

Good advice. Thank you.
by Leesbro63
Sat Jan 23, 2016 12:42 pm
Forum: Personal Consumer Issues
Topic: What 55" TV to Buy
Replies: 51
Views: 3340

Re: What 55" TV to Buy

Yeah, but what about SuperHD, OLED, 1080thingies, SmartTV (with Netflix etc built in), 4K, etc? What's "Accordish" and what is the stuff that only those buying a Mercedes S500 would spring for?
by Leesbro63
Sat Jan 23, 2016 12:10 pm
Forum: Personal Consumer Issues
Topic: What 55" TV to Buy
Replies: 51
Views: 3340

What 55" TV to Buy

I'm looking to buy a new 55" TV. A friend is a TVophile and wants me to spend $7000 on some superTVthingie. I am not interested. I want to buy the Honda Accord of TVs. Preferably at Sam's Club or Costco or online with free delivery. Honestly I have no clue...my first big screen TV is now 11 yea...
by Leesbro63
Sat Jan 23, 2016 12:08 pm
Forum: Personal Consumer Issues
Topic: Best Credit Card For Monster Hotel Bill
Replies: 23
Views: 2425

Re: Best Credit Card For Monster Hotel Bill

I am not going to address what others have said as they know better as to which credit card to use. My suggestion would be that you call the credit card company 7-10 days in advance and let them know that a monster charge is coming their way. This may prevent a fraud alert on your account. Great ti...
by Leesbro63
Fri Jan 22, 2016 11:09 am
Forum: Personal Consumer Issues
Topic: Best Credit Card For Monster Hotel Bill
Replies: 23
Views: 2425

Re: Best Credit Card For Monster Hotel Bill

I was hoping for something with a temporary 5% cash back in the hotel category that I could time properly. ??
by Leesbro63
Fri Jan 22, 2016 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Here We Go Again: SWR 2.5% or 5.5%?
Replies: 102
Views: 7041

Re: Here We Go Again: SWR 2.5% or 5.5%?

On the other hand, sometimes money spent on care in ones late 80s is a poor value. Many assisted living/nursing homes require a few years of full pay but will keep you for whatever you have (SS is often all) after that. If you were "dumb" enough to have deferred gratification in order to h...
by Leesbro63
Fri Jan 22, 2016 10:08 am
Forum: Personal Consumer Issues
Topic: Best Credit Card For Monster Hotel Bill
Replies: 23
Views: 2425

Best Credit Card For Monster Hotel Bill

Going to be paying for my daughter's wedding in 2016 at a local major chain hotel. What's the best credit card to pay with? Something with extra back for travel and entertainment?
by Leesbro63
Thu Jan 21, 2016 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Here We Go Again: SWR 2.5% or 5.5%?
Replies: 102
Views: 7041

Re: Here We Go Again: SWR 2.5% or 5.5%?

Take your investable assets on the day of retirement and multiple by 4%. This will give you a ballpark Then there's THIS problem, discussed every so often here: how does the March, 2009 new retiree reconcile his 4% with that of the March, 2008 retiree's 4%. The 2009's money doesn't know it used to ...
by Leesbro63
Thu Jan 21, 2016 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Here We Go Again: SWR 2.5% or 5.5%?
Replies: 102
Views: 7041

Re: Here We Go Again: SWR 2.5% or 5.5%?

Plus for large (and maybe not so large) taxable accounts, if we get a big whiff of the very inflation that TIPS are supposed to protect against, taxflation will kick in and eat at the real returns ANYWAY. I wonder what would do better. Munis might work if their rates increased to keep pace with inf...
by Leesbro63
Thu Jan 21, 2016 10:35 am
Forum: Personal Finance (Not Investing)
Topic: New Wawa gas credit card (5 cent per gallon discount.) Any good?
Replies: 6
Views: 908

Re: New Wawa gas credit card (5 cent per gallon discount.) Any good?

My Sam's Club Mastercard offers 5% on gas (bought from anywhere except competing warehouse clubs...mainly Costco). We use that card only for gas.
by Leesbro63
Thu Jan 21, 2016 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Here We Go Again: SWR 2.5% or 5.5%?
Replies: 102
Views: 7041

Re: Here We Go Again: SWR 2.5% or 5.5%?

The elephant in the room is "Babyboomers". Through every phase of their (I'm included at age 56) lives, we've seen things never before imagined. I'm actually not sure what this means, but I guess I'm saying that I wouldn't put too much confidence in the various past 30 year periods.
by Leesbro63
Thu Jan 21, 2016 8:59 am
Forum: Personal Consumer Issues
Topic: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP
Replies: 112
Views: 10226

Re: Filled up brand new minivan with DIESEL?? We don't think so. Next steps, need input ASAP

Update: I don't know all the details- hubs dealt with this today and I've been busy at work. But word is that it WAS diesel in the tank. We still don't know how it got there. Our mechanic said that a few years ago, a local gas station got a batch of bad gas and several cars came in on the same day ...
by Leesbro63
Wed Jan 20, 2016 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Here We Go Again: SWR 2.5% or 5.5%?
Replies: 102
Views: 7041

Re: Here We Go Again: SWR 2.5% or 5.5%?

50/50 Stocks/munis.
by Leesbro63
Wed Jan 20, 2016 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Here We Go Again: SWR 2.5% or 5.5%?
Replies: 102
Views: 7041

Re: Here We Go Again: SWR 2.5% or 5.5%?

Plus for large (and maybe not so large) taxable accounts, if we get a big whiff of the very inflation that TIPS are supposed to protect against, taxflation will kick in and eat at the real returns ANYWAY. I wonder what would do better. Munis might work if their rates increased to keep pace with inf...

Go to advanced search