Search found 1105 matches

by RustyShackleford
Fri Apr 08, 2016 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Required minimum distribution question
Replies: 31
Views: 2183

Re: IRA Required minimum distribution question

I am pretty confused about the Uniform Lifetime Table - the one I'll use, since I'll either still be single, or married to a woman close to my own age (i.e. not 10 years younger): https://www.irs.gov/publications/p590b/index.html#en_US_2014_publink1000231236 (the VERY bottom of this link) It says wh...
by RustyShackleford
Tue Mar 15, 2016 7:44 pm
Forum: Personal Consumer Issues
Topic: Upping my mileage/points game
Replies: 72
Views: 6140

Re: Upping my mileage/points game

The 5/24 rule is also relevant for those who fly domestically and don't mind Southwest, due to the the SW companion pass. Yeah, the best points deal I know is doing two Chase Southwest cards in the same year and getting the Companion Pass. Unfortunately I was not hip to this last time I got my Sout...
by RustyShackleford
Mon Mar 14, 2016 9:39 pm
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 24546

Re: Don't understand nutrition and exercise

Toons wrote:3.Burn more calories than you eat

If you're 5'10" and 70kg, this is probably a bad idea.

On diet, Michael Pollan famously said "eat food, not too much, mostly plants". He also said not to eat anything your great grandmother would not recognize as being food.
by RustyShackleford
Mon Mar 07, 2016 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card "deadbeats"
Replies: 23
Views: 2751

Re: Credit card "deadbeats"

So, that begs the question, why do credit card companies continue to give cards to people they know will cost them money? Why not stop giving people who they know are most likely to never carry a balance? It's worse than deadbeats never paying finance charges, late fees, etc. People like me love to...
by RustyShackleford
Tue Mar 01, 2016 12:34 pm
Forum: Personal Consumer Issues
Topic: Airline Ticket Quandary, advice appreciated
Replies: 9
Views: 1780

Re: Airline Ticket Quandary, advice appreciated

Check out flyertalk.com - they live and breath this stuff and might have suggestions. Also, for domestic travel, use Southwest. They are much less into screwing their customers with fees. In particular, they give you the ENTIRE value of an unused ticket (even the cheapest fare class) back in "t...
by RustyShackleford
Sun Feb 21, 2016 3:11 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 182
Views: 15211

Re: Netflix, Your Current Favorite Show

I can't say enough about "Rectify". Truly unique.

And "Fargo". Season 1 was better than the movie. And season 2 was better than season 1.
by RustyShackleford
Sun Feb 21, 2016 3:09 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 182
Views: 15211

Re: Netflix, Your Current Favorite Show

FYI: Don't watch Making a Murderer unless you feel like getting disgusted with the criminal justice system. In other words, unless you feel like being a well-informed citizen. Anyone else not like Making a Murderer or at least disappointed with how skewed it is towards the defense? That's true, but...
by RustyShackleford
Sun Feb 21, 2016 3:05 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 182
Views: 15211

Re: Netflix, Your Current Favorite Show

BW1985 wrote:
Rotsevni wrote:I'm following the serie Homeland :D Really addicting actually hehe


Season 1 was the best.

It got weaker in 2 and even worse in 3, but I thought 4 and 5 were great.
by RustyShackleford
Sun Feb 21, 2016 3:01 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 182
Views: 15211

Re: Netflix, Your Current Favorite Show

knpstr wrote:FYI: Don't watch Making a Murderer unless you feel like getting disgusted with the criminal justice system.

In other words, unless you feel like being a well-informed citizen.
by RustyShackleford
Sun Jan 24, 2016 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Help needed re Roth conversion & recharacterization
Replies: 15
Views: 691

Re: Help needed re Roth conversion & recharacterization

Don't enter any of this on your 2015 return because it does not apply to 2015. While the 1099R is a 2015 1099R, the box 7 code should be "R", which means the recharacterization was for a 2014 conversion. While you should have included an explanatory statement with your 2014 return regardi...
by RustyShackleford
Sun Jan 24, 2016 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Help needed re Roth conversion & recharacterization
Replies: 15
Views: 691

Re: Help needed re Roth conversion & recharacterization

@RustyS, one thing I did which is perhaps a bit old-fashioned is that I printed out the instructions for Form 8606 and used highlighter to mark the sections and sentences that applied to my recharacterization. I thought this instructions were pretty clear and what to do. Yeah, I'm pretty sure my Fo...
by RustyShackleford
Sun Jan 24, 2016 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Help needed re Roth conversion & recharacterization
Replies: 15
Views: 691

Re: Help needed re Roth conversion & recharacterization

One thing I've always wondered about: do I need to enter the 1099-R that is issued for my Roth amount, showing the distribution used to make the recharacterization back to my TIRA ? I usually do at last a partial recharacterization in the subsequent tax year, so the 1099-R for recharacterization of ...
by RustyShackleford
Sun Jan 24, 2016 2:14 pm
Forum: Personal Consumer Issues
Topic: Is Nitrogen better than air?
Replies: 86
Views: 10052

Re: Is Nitrogen better than air?

dickenjb wrote:For breathing, air is definitely better.

Absolutely. And though many may think it a silly observation in this thread, imagine you're in the same situation as Sidney Bristow in Season 1 Episode 17 of Alias.
by RustyShackleford
Wed Jan 20, 2016 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax Payments and Capital Gains
Replies: 24
Views: 2119

Re: Estimated Tax Payments and Capital Gains

Estimated payments count just as much as withholding toward safe harbor, with the provision that they're made equally throughout the year. True - for the safe harbor of 100% of last year's tax or 90% or this year's. But, I believe, if you examine Form 2210 (https://www.irs.gov/pub/irs-pdf/f2210.pdf...
by RustyShackleford
Wed Jan 20, 2016 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Taxact breached as well - just saw an article in wsj
Replies: 35
Views: 3884

Re: Taxact breached as well - just saw an article in wsj

I'm tempted to actually withhold absolutely nothing... If you claim exemptions/allowances you are not entitled to and have a pattern, the IRS can and will dictate what your withholding will be. You and every employer will receive a "lock-in letter". This mandates your withholding and the ...
by RustyShackleford
Wed Jan 20, 2016 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax Payments and Capital Gains
Replies: 24
Views: 2119

Re: Estimated Tax Payments and Capital Gains

I've been told a number of people on Bogleheads (retired I believe) pay no estimated tax during the year. Instead when taking money from their retirement account or getting their RMD they have withheld their taxes for the year. ... This avoids breaking income/taxes into quarters. I do this too. The...
by RustyShackleford
Wed Jan 20, 2016 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 77
Views: 11039

Re: Turbotax 2014: Buyer Beware

I just finished doing my taxes on TurboTax Home Business 2014 for Mac, without any issues. I just saved to PDF without issue using the File menu >> Save to PDF... as well as the File menu >> Print... All forms and worksheets >> Save as PDF, without any problems. I never was asked to log in to Intui...
by RustyShackleford
Tue Jan 19, 2016 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Taxact breached as well - just saw an article in wsj
Replies: 35
Views: 3884

Re: Taxact breached as well - just saw an article in wsj

I don't recall if Intuit eventually changed their stance on this, but last year Mac users of TurboTax couldn't use the local (desktop) version and print the paper return without routing the data through Intuit's servers. I don't believe this. I have been using the OSX version of TurboTax (for well ...
by RustyShackleford
Tue Jan 19, 2016 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Taxact breached as well - just saw an article in wsj
Replies: 35
Views: 3884

Re: Taxact breached as well - just saw an article in wsj

Never get a refund. This means giving the government an interest free loan. ... You always want to have some taxes due. Depending on how aggressive you want to be, target having the highest possible tax due while avoiding a penalty. Yeah, that's what I always try to tell my less financial-savvy fri...
by RustyShackleford
Mon Jan 18, 2016 12:58 am
Forum: Personal Consumer Issues
Topic: Amazon is dropping Prime price to $73 for the weekend
Replies: 26
Views: 4605

Re: Amazon is dropping Prime price to $73 for the weekend

Mudpuppy wrote:The prices are not static.

I was assuming they would be, once I'd put something in my cart. Maybe that's not a fair assumption.
by RustyShackleford
Sun Jan 17, 2016 2:07 pm
Forum: Personal Consumer Issues
Topic: Amazon is dropping Prime price to $73 for the weekend
Replies: 26
Views: 4605

Re: Amazon is dropping Prime price to $73 for the weekend

Amazon did something super-sleazy (IMHO) to me recently. I put something in my shopping cart (a Prime add-on item, so couldn't ship for free until I bought something else too) that was $5.99. I finally wanted to buy something else, and went to check out, and the price on the $5.99 item had increased...
by RustyShackleford
Sat Jan 16, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: Amazon is dropping Prime price to $73 for the weekend
Replies: 26
Views: 4605

Re: Amazon is dropping Prime price to $73 for the weekend

If you have a dot-edu email address you can get a student membership for $49/year; doesn't matter if you're a student or not - at least that's what an Amazon phone rep told me. Spend enough, and you're a perpetual student :-) This is true. The catch is that the dot-edu discount only works for a few...
by RustyShackleford
Fri Jan 15, 2016 10:37 pm
Forum: Personal Consumer Issues
Topic: Amazon is dropping Prime price to $73 for the weekend
Replies: 26
Views: 4605

Re: Amazon is dropping Prime price to $73 for the weekend

If you have a dot-edu email address you can get a student membership for $49/year; doesn't matter if you're a student or not - at least that's what an Amazon phone rep told me. Spend enough, and you're a perpetual student :-)
by RustyShackleford
Fri Jan 15, 2016 2:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's detailed estimated year-end distributions
Replies: 37
Views: 4105

Re: Vanguard's detailed estimated year-end distributions

So I asked this question 4 years ago: For foreign fund/ETFs, I wonder if there is any way to know what the foreign tax withheld is, before actually receiving a 1099-DIV ? The distribution shown at: https://personal.vanguard.com/us/funds/etf/all?sortorder=asc&sortorder=asc&sortorder=asc&s...
by RustyShackleford
Fri Jan 15, 2016 1:02 am
Forum: Investing - Help with Personal Investments
Topic: brokered CDs
Replies: 23
Views: 1238

Re: brokered CDs

Point is, when you look at the description of a CD, which presumably you do before purchasing, it will tell you. You're supposed to do that ? :-) Afraid all I looked at was duration and rate. From AMEX and in a reputable brokerage, so I didn't worry much. The dropdown for "Reinvest ?" in ...
by RustyShackleford
Fri Jan 15, 2016 12:14 am
Forum: Investing - Help with Personal Investments
Topic: brokered CDs
Replies: 23
Views: 1238

brokered CDs

I bought a brokered CD recently (in a Roth) without fully understanding how they work (never a great idea). I understand the value can go up or down, like a regular bond, from day to day depending upon how attractive the CD's interest rate looks in terms of current interest rate. What I don't unders...
by RustyShackleford
Tue Jan 12, 2016 1:42 pm
Forum: Investing - Theory, News & General
Topic: Sell everything! 2016 will be a 'cataclysmic year,' warns RBS
Replies: 78
Views: 9279

Re: Sell everything! 2016 will be a 'cataclysmic year,' warns RBS

Sure, it's noise. But, this is the second year in a row (at least) where I would have been better off replacing my 40% equity, 40% bonds, 10% real estate, 5% commodity, 5% cash portfolio with 100% TIAA Real Estate (or even 100% TIAA Traditional). (And yes, I believe Bogleheads would approve of all t...
by RustyShackleford
Fri Jan 08, 2016 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Payment date when a check is mailed, or deposited?
Replies: 12
Views: 1426

Re: Payment date when a check is mailed, or deposited?

This is really critical for those of us retirees, who use "deduction bunching" to maximize our deductions (maybe that's what you're doing). By far my biggest deduction is property taxes, $4000/yr or so (excepting years when I fund my charitable gift account with highly-appreciated long-ter...
by RustyShackleford
Thu Jan 07, 2016 12:50 pm
Forum: Investing - Theory, News & General
Topic: VBTIX distributions
Replies: 5
Views: 527

Re: VBTIX distributions

... nothing to do with being an Institutional share class. Most bond mutual funds work that way ... Duh, BION I never owned a bond fund (just ETFs), at least not since the dark days when I used a "full service" broker and didn't pay much attention to this stuff (including the 5%'ish front...
by RustyShackleford
Thu Jan 07, 2016 12:13 am
Forum: Investing - Theory, News & General
Topic: VBTIX distributions
Replies: 5
Views: 527

VBTIX distributions

I was looking over the statement from my TIAA-CREF RA, where I bought a bunch of VBTIX near the end of October, and the end-of-October dividend looks way too small. It seems to me they scale the dividend amount according to how long you've owned the fund (of the period the dividend covers), instead ...
by RustyShackleford
Fri Dec 11, 2015 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: how to deal with "lost" tax return
Replies: 18
Views: 1507

Re: how to deal with "lost" tax return

As an employee of the state of NC, I can tell you that every single state office is understaffed by overworked and underqualified employees. For instance, my application for a teaching license that I filed in July 2014 wasn't processed until December of that year. Oh lordy, don't let's get started....
by RustyShackleford
Thu Dec 10, 2015 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: how to deal with "lost" tax return
Replies: 18
Views: 1507

Re: how to deal with "lost" tax return

Ouch, thought I would call one last time before I re-sent, and to see if certified/registered whatever should go to a different address than the PO Box normally specified. They now tell me it was stamped as "received" on Oct 1 (3 days after I mailed it) but only sent for "processing&q...
by RustyShackleford
Tue Dec 08, 2015 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: how to deal with "lost" tax return
Replies: 18
Views: 1507

Re: how to deal with "lost" tax return

dodecahedron wrote:A growing number of states ...

You can pretty much bet that if any of a handful of states is behind the curve, mine is one of them. And you'd win the bet (on the e-filing thing, at least).
by RustyShackleford
Tue Dec 08, 2015 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: how to deal with "lost" tax return
Replies: 18
Views: 1507

Re: how to deal with "lost" tax return

It's not clear to me how documenting that you sent it actually helps you at this point. After that I'd either walk it into the tax office or go to my state senators surgery ... I guess you have a point. But, it occurred to me that my state legislator is probably the next step, and they'd probably e...
by RustyShackleford
Tue Dec 08, 2015 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: how to deal with "lost" tax return
Replies: 18
Views: 1507

Re: how to deal with "lost" tax return

Can you not file electronically? Most states have gotten on board at this point. Gives you confirmation that it was sent and accepted No, I'm doing some special forms (tax break for solar) that aren't included in Turbotax. Good thought though. That tax credit is used up for me after this year, so m...
by RustyShackleford
Tue Dec 08, 2015 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: how to deal with "lost" tax return
Replies: 18
Views: 1507

how to deal with "lost" tax return

I sent in my state tax refund over 2 months ago (after filing for an extension in the spring) and I haven't received my refund. Phone calls to the state DoR result in "we haven't received it, that's all we know, sorry". They say all I can do is to send it in again. (I guess I don't need to...
by RustyShackleford
Sat Dec 05, 2015 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security: What's the goal?
Replies: 47
Views: 3740

Re: Delaying Social Security: What's the goal?

Meaty wrote:... it's actuarily equivalent regardless of when I take it

That was true long ago, when the formulas currently-used were devised and people didn't live as long, but it's most certainly not true with today's longer life expectancies.
by RustyShackleford
Wed Nov 11, 2015 1:50 am
Forum: Investing - Theory, News & General
Topic: Suggested Best Practices During A Rising Interest Rate Environment
Replies: 57
Views: 7357

Re: Suggested Best Practices During A Rising Interest Rate Environment

RustyShackleford wrote:I would still like to be able to simulate this recovery process in Excel.

Thanks, guys, for explaining this so patiently. Seems like a math major would pick it up quicker ...
by RustyShackleford
Mon Nov 09, 2015 6:04 pm
Forum: Investing - Theory, News & General
Topic: Suggested Best Practices During A Rising Interest Rate Environment
Replies: 57
Views: 7357

Re: Suggested Best Practices During A Rising Interest Rate Environment

I would still like to be able to simulate this recovery process in Excel. As I posted above, just buying shares at a slightly lower price (because the share price is reduced by the interest-rate increase) does not allow recovery in a time-frame equal to the duration. Is it true that part of the reco...
by RustyShackleford
Mon Nov 09, 2015 1:25 am
Forum: Investing - Theory, News & General
Topic: Suggested Best Practices During A Rising Interest Rate Environment
Replies: 57
Views: 7357

Re: Suggested Best Practices During A Rising Interest Rate Environment

I edited my post too. Don't quite understand. Please explain. Thanks.
by RustyShackleford
Mon Nov 09, 2015 12:53 am
Forum: Investing - Theory, News & General
Topic: Suggested Best Practices During A Rising Interest Rate Environment
Replies: 57
Views: 7357

Re: Suggested Best Practices During A Rising Interest Rate Environment

Note that with higher rates, after 2.8 years you're better off from the rate increase. Before then, you're still eroding the loss suffered from the rate increase. Hope that helps explain the break even point. Wow, thanks for explaining. That kind of rocks my world, to be honest. It seems like magic...
by RustyShackleford
Mon Nov 09, 2015 12:16 am
Forum: Investing - Theory, News & General
Topic: Suggested Best Practices During A Rising Interest Rate Environment
Replies: 57
Views: 7357

Re: Suggested Best Practices During A Rising Interest Rate Environment

If you hold Intermediate Term Investment Grade Bonds, doing nothing and reinvesting your dividends seems to be the best strategy. From what I have heard and read, in most rising interest rate scenarios, your breakeven point with reinvested interest is about three years. What does this mean, exactly...
by RustyShackleford
Sat Nov 07, 2015 3:11 pm
Forum: Personal Consumer Issues
Topic: TSA pre-check enrollment, is it changing? [Yes, it has changed.]
Replies: 114
Views: 11947

Re: TSA pre-check enrollment, is it changing? [Yes, it has changed.]

tomhole wrote:Wonder why no one ever bombs an Israeli flight? They profile the crap out of everyone.

They probably also screen all the checked luggage.
by RustyShackleford
Sat Nov 07, 2015 2:03 pm
Forum: Personal Consumer Issues
Topic: TSA pre-check enrollment, is it changing? [Yes, it has changed.]
Replies: 114
Views: 11947

Re: TSA pre-check enrollment, is it changing? [Yes, it has changed.]

The stupidity of the TSA and the joke that is our "security" ... 1. If certain people are guaranteed Clear or TSA Pre status (through this program, instead of random selection as is also done), all terrorists have to do is locate such a person and compromise them ("those are nice kids...
by RustyShackleford
Wed Nov 04, 2015 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 465
Views: 42281

Re: Changes to Social Security

I'm sorry, but having read through most of this thread and searched each page for "single" and "unmarried", I'm still confused about how the file & suspend strategy has changed for unmarried (and never married) people, specifically those who, like me, will be 62yo by year's e...
by RustyShackleford
Sun Nov 01, 2015 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax Payments and Capital Gains
Replies: 24
Views: 2119

Re: Estimated Tax Payments and Capital Gains

Davidson5000BH wrote:... the IRS Direct Pay website .

How does this differ from www.eftps.gov ? Pros and cons ?
by RustyShackleford
Sun Nov 01, 2015 12:23 pm
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 66
Views: 11193

Re: house odor after crawlspace encapsulation

It's odd that there's no access to your crawlspace. ... how did they close the hole after encapsulation? Did the worker back himself out and then somehow spray the opening closed? I'm not sure how I gave you guys the notion that there's no access to the crawlspace. There's the usual access door fro...
by RustyShackleford
Sat Oct 31, 2015 6:03 pm
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 66
Views: 11193

Re: house odor after crawlspace encapsulation

Take your incense into the crawlspace ... I need to figure out a simple way to temporarily open a big hole between the crawlspace and the house (since the bathtub is now installed, so that hole is permanently closed off). Disconnecting an HVAC register would do it, but kind of a pain (2 big zip-tie...
by RustyShackleford
Sat Oct 31, 2015 1:22 pm
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 66
Views: 11193

Re: house odor after crawlspace encapsulation

You probably have stack effect, also called chimney effect. Ideally all penetrations in the basement/crawl space ceiling should be air sealed. That's got to be what it is - seeing that kind of draft with no mechanicals running. But in addition to the house "sucking" air up out of the craw...
by RustyShackleford
Sat Oct 31, 2015 12:03 am
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 66
Views: 11193

Re: house odor after crawlspace encapsulation

That's a good idea, on the incense. Sometimes low-tech is as good or better.

Yes, I intend to drive the light-duty dehumidifier into the ground.

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