Search found 6362 matches

by Sidney
Mon Jul 18, 2016 9:50 am
Forum: Investing - Help with Personal Investments
Topic: cannot wrestle IRA from custodian. Help?
Replies: 33
Views: 2616

Re: cannot wrestle IRA from custodian. Help?

I would be inclined to send them a certified letter requesting that they expedite the transfer or you will report them to the Department of Labor.
by Sidney
Mon Jul 18, 2016 9:00 am
Forum: Investing - Help with Personal Investments
Topic: IRA Wellesley only
Replies: 14
Views: 1544

Re: IRA Wellesley only

Since we don't know what your total portfolio looks like, we really can't say anything helpful.
by Sidney
Sun Jul 17, 2016 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Concerned about a market bubble – looking for safer funds
Replies: 16
Views: 1470

Re: Concerned about a market bubble – looking for safer funds

dcopley652 wrote: rumor is interest rates will likely rise in December.

yes, I have been hearing that rumor for a few years now.
by Sidney
Thu Jul 14, 2016 9:17 am
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 64
Views: 3645

Re: Passwords

brak wrote:Can people please define what "good security practices' on a computer involve? Thanks.

If you are referring to more broadly than passwords, I'd suggest starting a separate thread.
by Sidney
Thu Jul 14, 2016 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Going into the market in a big way NOW?
Replies: 14
Views: 1896

Re: Going into the market in a big way NOW?

I would be inclined to either go all in or average in over a fairly short time (mainly for psychological reasons - I don't think there is any evidence that averaging is better than lumping). But, to paraphrase some posts by livesoft in other threads, be prepared mentally to lose money. Design your h...
by Sidney
Mon Jul 11, 2016 3:44 pm
Forum: Investing - Theory, News & General
Topic: Lock down Roth IRA [withdrawals by] Young Adult?
Replies: 13
Views: 1050

Re: Lock down Roth IRA [withdrawals by] Young Adult?

I really was anxious to open the Roths sooner for the obvious tax reasons & compounding tax free, but if the whole thing could be in jeopardy, it's probably best to invest it in separate accounts to keep it safe. Would they likely be investing this in equity (presumably for their retirement man...
by Sidney
Fri Jul 08, 2016 7:23 am
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 145
Views: 8624

Re: How many of you have cut cord?

westie wrote:Reading this thread it appears to me many people are cutting one "cord" and creating new "cords" with multiple subscriptions and end up with very limited access to TV entertainment.

sort of like paying for smoking cessation drugs
by Sidney
Wed Jul 06, 2016 10:30 am
Forum: Personal Consumer Issues
Topic: Strange Printer Problem
Replies: 7
Views: 485

Re: Strange Printer Problem

Entirely deleting and adding back in, the printer seems to have done the trick. I learned that this printer - Canon MF3010, has been discontinued, so I wonder how much longer I might have until the Mac can no longer communicate with it...since Canon won't be issuing any software updates for it. Tha...
by Sidney
Wed Jul 06, 2016 10:09 am
Forum: Personal Finance (Not Investing)
Topic: 2.05% Five year CD looking very tempting with FDIC
Replies: 3
Views: 903

Re: 2.05% Five year CD looking very tempting with FDIC

Low inflation, flight to safety. Is the CD callable?
by Sidney
Sat Jul 02, 2016 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Living off dividends/interest in retiremeht
Replies: 60
Views: 6480

Re: Living off dividends/interest in retiremeht

Let me explain: currently I have a portfolio that has two buckets, a short term one, composed of a 4 year ladder of bonds (TIPS) yielding almost nothing, and a second bucket that has intermediate term bond funds and a global stock fund that it replenishes the ladder as it gets depleted. If I decide...
by Sidney
Thu Jun 30, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: Tipping Etiquette Question.
Replies: 37
Views: 3364

Re: Tipping Ettiquet Question.

Not to get off topic (though the topic is tipping etiquette), I often get confused on tipping when getting comped stuff. Particularly stuff I didn't order or necessarily want (appetizers, desserts, etc.) Sometimes I think I am tipping so much that I would be better off not getting free things! If I...
by Sidney
Thu Jun 30, 2016 7:22 am
Forum: Personal Consumer Issues
Topic: Expenses for Retirees 5+ years
Replies: 9
Views: 1546

Re: Expenses for Retirees 5+ years

Retired in early 2008. Because the recession created good deals on remodeling contractors we increased our overall spending significantly in 2008-10 on some major remodeling/renovation projects that had been on our radar. Those are over now. Since then, probably the largest increase has been charita...
by Sidney
Tue Jun 28, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: Any experts to explain periodontal maintenance?
Replies: 6
Views: 730

Re: Any experts to explain periodontal maintenance?

Just curious, after 20 years of paying the difference, you haven't asked the dentist?
by Sidney
Sat Jun 25, 2016 12:22 pm
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 11424

Re: What did you learn from the post-Brexit bloodbath?

Bonds do the job they are supposed to do in my portfolio.
by Sidney
Fri Jun 24, 2016 7:34 am
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 118
Views: 10435

Re: International stocks in free fall

This is a time to closely monitor unrealized gains and losses. Tax loss harvesting opportunities pop at times like this. Don't miss them.
by Sidney
Thu Jun 23, 2016 8:23 pm
Forum: Investing - Theory, News & General
Topic: Actionable advice in a Brexit scenario
Replies: 162
Views: 16179

Re: Actionable advice in a Brexit scenario

The day has arrived ... and I have done and will continue to do nothing different than the day before. Actually, things look pretty good thus far... :) :beerCheers, packet Mrs. Doc "invested" in Euros and Pounds yesterday. Total investment approx $450 US. :D (If she was going to buy today...
by Sidney
Tue Jun 21, 2016 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Wanting to start direct bond investing.
Replies: 22
Views: 1529

Re: Wanting to start direct bond investing.

peterinjapan wrote: bond funds seem scary and go up and down for reasons I can't begin to fathom,

Whatever causes bond funds to go up and down will also cause individual bonds to go up and down. There is nothing magical about funds - they are just collections of individual bonds.
by Sidney
Sun Jun 19, 2016 11:00 am
Forum: Personal Finance (Not Investing)
Topic: How to go about using a grandmother gift for down payment?
Replies: 5
Views: 319

Re: How to go about using a grandmother gift for down payment?

The example is for the person who makes the gift. Gift taxes do not affect the recipient.
by Sidney
Sun Jun 19, 2016 10:26 am
Forum: Personal Finance (Not Investing)
Topic: How to go about using a grandmother gift for down payment?
Replies: 5
Views: 319

Re: How to go about using a grandmother gift for down payment?

There would normally not be tax implications for you.
by Sidney
Sun Jun 19, 2016 10:17 am
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 162
Views: 16575

Re: What's the ideal safe retirement net worth target?

Impromptu wrote:My molecules survived and/or were formed by a supernova. I think I can handle a little heat.

As long as it is a dry heat.
by Sidney
Sun Jun 19, 2016 9:19 am
Forum: Forum Issues and Administration
Topic: New Board Index Topic - Retirement Planning
Replies: 42
Views: 3736

Re: New Board Index Topic - Retirement Planning

I don't even look at which forum a posting is in. I pretty much go by the subject.
by Sidney
Sat Jun 18, 2016 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Bill Pay to charitable organizations
Replies: 18
Views: 749

Re: Bill Pay to charitable organizations

Bank statements are accepted by the IRS (based on a couple of my own audits.) In recent years,a bank statement (or credit card statement) would only suffice for donations under $250. Any donation of $250 or more requires a contemporaneous letter from the charity with the "No goods or services ...
by Sidney
Sat Jun 18, 2016 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Bill Pay to charitable organizations
Replies: 18
Views: 749

Re: Bill Pay to charitable organizations

Bank statements are accepted by the IRS (based on a couple of my own audits.)
by Sidney
Sat Jun 18, 2016 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Bill Pay to charitable organizations
Replies: 18
Views: 749

Re: Bill Pay to charitable organizations

sport wrote:Most charities will send a thank you letter, but that is not reliable.

Aren't they required too (except for small amounts)?
by Sidney
Sat Jun 18, 2016 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Using 60 day rollover as cash buffer while buying a house
Replies: 20
Views: 1845

Re: Using 60 day rollover as cash buffer while buying a house

Why not leave it there until you need it?
by Sidney
Thu Jun 16, 2016 2:24 pm
Forum: Personal Consumer Issues
Topic: uber with no smart phone?
Replies: 19
Views: 1524

Re: uber with no smart phone?

livesoft wrote:Your mechanic should provide free drop-off and pick-up.

or get a folding bike and pop it in the trunk of the car
by Sidney
Wed Jun 08, 2016 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of house sale proceeds
Replies: 7
Views: 765

Re: Taxation of house sale proceeds

I'd stay out of this if I were you. I'm not an expert but I think the first transaction ($1) was a sham.
by Sidney
Mon May 16, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Is it OK to leave home wifi on?
Replies: 55
Views: 3881

Re: Is it OK to leave home wifi on?

If you are using a strong encryption key and the latest encryption protocol, you should have no issue with leaving WIFI on.
by Sidney
Wed May 11, 2016 9:55 am
Forum: Investing - Theory, News & General
Topic: NY Times article on the "tip of the iceberg" that is Puerto Rico
Replies: 76
Views: 11598

Re: NY Times article on the "tip of the iceberg" that is Puerto Rico

Thanks I'm not a TB fan in part due to the mortgage bonds. I'm not sure going 100% corporate is the right answer either. I suppose I could go 100% treasury but if I did that, buying individual bonds is the answer - painless, fast and no need for diversification other than duration. My tax rate is re...
by Sidney
Wed May 11, 2016 9:36 am
Forum: Investing - Theory, News & General
Topic: NY Times article on the "tip of the iceberg" that is Puerto Rico
Replies: 76
Views: 11598

Re: NY Times article on the "tip of the iceberg" that is Puerto Rico

For someone who wanted to continue using a fund rather than individual bonds, would your recommendation be to consider shifting from VG muni to someone like Baird?
by Sidney
Sat Apr 23, 2016 7:52 pm
Forum: Personal Consumer Issues
Topic: Windows Error message
Replies: 15
Views: 825

Re: Windows Error message

abuss368 wrote:I do not miss these days! Moving our entire home to Apple products was the best computer decision we ever made!

Does it make you feel better roaming around to various Windows threads and gloating about Apple products?
by Sidney
Fri Apr 22, 2016 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: 2014 Amended Return
Replies: 10
Views: 455

Re: 2014 Amended Return

Sounds right but I am not familiar with CA requirements. Most states echo Federal requirements.
by Sidney
Fri Apr 22, 2016 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: 2014 Amended Return
Replies: 10
Views: 455

Re: 2014 Amended Return

I assume you mean the 1040X. All you send is the 1040X and any schedule that has changed. In your case it is probably Schedule B.
by Sidney
Fri Apr 22, 2016 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: how much to tilt when slicing and dicing 7%?
Replies: 44
Views: 2990

Re: how much to tilt when slicing and dicing 7%?

I seem to recall that Vanguard's SCV fund held a pretty good slug of REITS at one point. Not sure what they hold now. That should be factored in if using both the SCV index and REIT in a portfolio.
by Sidney
Wed Apr 20, 2016 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Question about calculating tax basis
Replies: 6
Views: 514

Re: Question about calculating tax basis

Just use the ordinary. That value includes the qualified dividends. QDs are only broken out so they can be treated differently when you file your income taxes.
by Sidney
Tue Apr 19, 2016 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing: Tax consequences
Replies: 36
Views: 2014

Re: Rebalancing: Tax consequences

As time goes by, if you find you have unrealized losses make sure to harvest them. Will make it easier later to re-balance with lower tax.
by Sidney
Sun Apr 17, 2016 7:58 pm
Forum: Investing - Theory, News & General
Topic: Why not buy a DIVIDEND stock?
Replies: 36
Views: 3627

Re: Why not buy a DIVIDEND stock?

I never discuss investing in any depth with family (except spouse) or friends. Very little upside and a lot of downside.
by Sidney
Sat Apr 16, 2016 7:53 am
Forum: Investing - Theory, News & General
Topic: What are Pros and Cons to the "Four Hour Workweek?"
Replies: 99
Views: 11833

Re: What are Pros and Cons to the "Four Hour Workweek?"

Most entrepreneurs work a heck of a lot more than 4 hours per week launching their business(es). And the failure rate is extraordinarily high. So while there are some wildly successful entrepreneurs - especially in the tech world - these are the statistical outliers IMO. Either your friend was incr...
by Sidney
Sat Apr 16, 2016 7:20 am
Forum: Investing - Theory, News & General
Topic: The "New" Rich
Replies: 9
Views: 2184

Re: The "New" Rich

I think the best way to answer your own question is to think about these people in the context of all the people who have attempted entrepreneurial activities. Just focusing on the successful ones isn't a fair viewpoint. You also need to think about those who tried/invested and failed as well.
by Sidney
Tue Apr 12, 2016 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: what's your Withdrawal Rate for this and last year?
Replies: 79
Views: 7331

Re: Retirees: what's your Withdrawal Rate for this and last year?

Toons wrote:On the other hand ,I am not selling any shares of any holdings.

If you reinvested the dividends for, say a month or two and then sold the shares purchased with the reinvested divs and spent the money, would that be a withdrawal?
by Sidney
Tue Apr 12, 2016 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: what's your Withdrawal Rate for this and last year?
Replies: 79
Views: 7331

Re: Retirees: what's your Withdrawal Rate for this and last year?

Sheepdog wrote:I consider dividends spent as withdrawals. If I save the dividends or invest them in something else, that is not a withdrawal.

Yes, I should have clarified as "spent" dividends.
by Sidney
Tue Apr 12, 2016 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: what's your Withdrawal Rate for this and last year?
Replies: 79
Views: 7331

Re: Retirees: what's your Withdrawal Rate for this and last year?

TheTimeLord wrote:Wouldn't spending dividends be the same as a withdrawal?

That would be my thought as well. I have not seen any withdrawal rate analysis that excluded dividends from the withdrawal rate.
by Sidney
Sun Apr 03, 2016 10:57 am
Forum: Investing - Help with Personal Investments
Topic: April 1st IRA didn't change from March 31st despite gains
Replies: 14
Views: 1039

Re: April 1st IRA didn't change from March 31st despite gains

Nasman wrote:Still no change at all, not even 1 cent on me or my wife's Target Fund. Very strange I may call them and see what happen.

Are the share quantities correct?
by Sidney
Sun Apr 03, 2016 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Point-of-sale card terminals now offering only ≥$10 cash back choice: everywhere?
Replies: 7
Views: 554

Re: Point-of-sale card terminals now offering only ≥$10 cash back choice: everywhere?

HueyLD wrote:I know you didn't ask, but could you go to a bank to get all the $5 bills you want?

or ask the store clerk to give you two fives instead of a ten. Alternatively, print up a bunch of fives in your basement.
by Sidney
Sun Apr 03, 2016 8:44 am
Forum: Forum Issues and Administration
Topic: [Help with private messaging - PM stuck in Outbox]
Replies: 8
Views: 1186

Re: A bit OT - Help with private messaging

Runner9, thanks for that. My long understanding of IT systems is that it will stay in my outbox until it is delivered to his inbox and then it will move to my sent folder. The only reason I can think the message would not be delivered is that his email inbox is full. Has anyone experienced this pro...
by Sidney
Mon Mar 28, 2016 7:23 am
Forum: Investing - Help with Personal Investments
Topic: Why have more than 20% in bonds?
Replies: 37
Views: 4001

Re: Why have more than 20% in bonds?

Warren doesn't say what his withdrawal rate is.
by Sidney
Fri Mar 25, 2016 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: 2 Buckets or 3 Buckets in Retirement??
Replies: 72
Views: 8124

Re: 2 Buckets or 3 Buckets in Retirement??

itstoomuch wrote:Cash flow and Income is more important than the asset themselves.

Opposite for me. Income is taxed. Would rather have assets.
by Sidney
Fri Mar 25, 2016 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: 2 Buckets or 3 Buckets in Retirement??
Replies: 72
Views: 8124

Re: 2 Buckets or 3 Buckets in Retirement??

Two buckets. I try to avoid holding a lot of cash.
by Sidney
Thu Mar 24, 2016 11:17 am
Forum: Personal Consumer Issues
Topic: How to get rid of poison ivy
Replies: 58
Views: 3426

Re: How to get rid of poison ivy

Even if you eradicate the existing poison ivy, keep in mind that birds love the stuff and the seeds go in one end and out the other. The PI will come back.
by Sidney
Wed Mar 23, 2016 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate and Tax Deductions
Replies: 7
Views: 1039

Re: Real Estate and Tax Deductions

I can't answer your question directly but I do suggest looking at key IRS Publications (all available on the IRS web site) rather than trusting random sources generated by google. I have found that there is a lot of misinformation on tax topics out there.

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