Search found 1096 matches

by RustyShackleford
Sun Jan 24, 2016 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Help needed re Roth conversion & recharacterization
Replies: 15
Views: 661

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: 661

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: 661

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: 9772

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: 1938

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: 3563

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: 1938

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: 75
Views: 10128

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: 3563

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: 3563

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: 4399

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: 4399

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: 4399

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: 4399

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: 4083

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: 1138

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: 1138

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: 8925

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: 10
Views: 1120

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: 498

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: 498

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: 1414

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: 1414

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: 1414

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: 1414

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: 1414

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: 1414

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: 3475

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: 7006

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: 7006

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: 7006

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: 7006

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: 7006

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: 11032

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: 11032

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: 449
Views: 34747

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: 1938

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: 10022

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: 10022

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: 10022

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: 10022

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.
by RustyShackleford
Fri Oct 30, 2015 7:44 pm
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 66
Views: 10022

Re: house odor after crawlspace encapsulation

If you're introducing conditioned air into the crawlspace it has to have somewhere to go because the space now has positive pressure. If the perimeter and floor of the crawlspace is well sealed then the smell has nowhere left to go but into your house which is likely now the most 'leaky' area. Also...
by RustyShackleford
Thu Oct 29, 2015 3:19 pm
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 66
Views: 10022

Re: house odor after crawlspace encapsulation

Dehumidfying just the crawlspace. A/C dehumidifies the house, and presumably the sealed & dehumidified crawlspace lightens the load on the A/C. I run the dehumidifier for about two 5-hour periods (per day) in summer and one in winter (using a simple timer). Kill-A-Watt meter says it's coming to ...
by RustyShackleford
Wed Oct 28, 2015 9:52 pm
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 66
Views: 10022

Re: house odor after crawlspace encapsulation

Easy Rhino wrote:any change in odor?

Yes, the dehumidifer, keeping the humidity in the 50s percent or so, has virtually eliminated the odor - in the house at least, though it's still somewhat noticeable in the crawlspace.
by RustyShackleford
Wed Oct 28, 2015 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: switching main credit card
Replies: 63
Views: 221176

Re: switching main credit card

So just a followup to say I got the Citi Double Cash Card and I like it. A couple of other neat things: 1. You can check you FICO score anytime, for free (though from only one of the agencies, not sure which one). 2. You can get "virtual" credit cards - in case you need to give you card t...
by RustyShackleford
Mon Oct 26, 2015 11:40 am
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 327
Views: 25422

Re: Northwest FCU 3-year 3.04% Add-On CD

My GF did the preliminary phone call so that she could fund the entire $50K she wanted to put in, with the initial opening of the certificate, and it appeared to work. Logged into NWFCU and it showed a "dream certificate" with $50K. But she kept noticing it hadn't been drafted from her ba...
by RustyShackleford
Sat Oct 24, 2015 1:28 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 327
Views: 25422

Re: Northwest FCU 3-year 3.04% Add-On CD

We may not be out of the woods yet. My GF did the preliminary phone call so that she could fund the entire $50K she wanted to put in, with the initial opening of the certificate, and it appeared to work. Logged into NWFCU and it showed a "dream certificate" with $50K. But she kept noticing...
by RustyShackleford
Wed Oct 21, 2015 4:21 pm
Forum: Personal Consumer Issues
Topic: Single-cup coffee maker?
Replies: 44
Views: 7420

Re: Single-cup coffee maker?

Another vote for the french press. Health concerns suggest that coffee that isn't filtered through paper isn't a great idea: http://www.sciencedaily.com/releases/2007/06/070614162223.htm ... why I like the Aeropress (plus it's less bitter, because the grounds don't marinate in the hot water for ver...
by RustyShackleford
Thu Oct 15, 2015 12:07 pm
Forum: Personal Consumer Issues
Topic: Suggestions from Netlfix (or possibly Amazon) fans?
Replies: 62
Views: 5287

Re: Suggestions from Netlfix (or possibly Amazon) fans?

mj13f150 wrote:I'm a dude, but I'm finding 'Sex in the City' on Amazon really interesting ...

Consider it research. Or like a nature show: "they are strange and beautiful, and some day we hope to understand ..."
by RustyShackleford
Tue Oct 13, 2015 1:56 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 327
Views: 25422

Re: Northwest FCU 3-year 3.04% Add-On CD

z-man wrote:If you selected the Dream CD and submitted before cutoff I am sure you will be fine.

[OT comment removed by admin LadyGeek] Do we even know if our money at NWFCU are guaranteed in any way ?

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