Search found 6332 matches

by Sidney
Sat Apr 23, 2016 7:52 pm
Forum: Personal Consumer Issues
Topic: Windows Error message
Replies: 15
Views: 754

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: 374

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: 374

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: 2512

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: 407

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: 1703

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: 3292

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: 10526

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: 2038

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: 6374

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: 6374

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: 6374

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: 957

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: 475

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: 6
Views: 376

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: 3796

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: 65
Views: 6170

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: 65
Views: 6170

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: 3016

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: 924

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.
by Sidney
Mon Mar 21, 2016 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Academic Prize and 1099-MISC
Replies: 15
Views: 1215

Re: Academic Prize and 1099-MISC

Ah, OK. When you said similar situation I assumed it was an education grant or something similar to the OPs situation. Your treatment makes sense.
by Sidney
Mon Mar 21, 2016 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Academic Prize and 1099-MISC
Replies: 15
Views: 1215

Re: Academic Prize and 1099-MISC

lhl12 wrote:i.e. a 1099-MISC that my accountant and I both thought should be non-taxable

What is your basis for thinking that this should be non-taxable?
by Sidney
Mon Mar 21, 2016 9:25 am
Forum: Investing - Theory, News & General
Topic: How can we see if stock markets are about to crash?
Replies: 52
Views: 3903

Re: How can we see if stock markets are about to crash?

I don't. I only "watch" things I can control. Overall investment allocations (have I drifted and need to re-balance?) Total size of the pile (is there enough to get me to the end ...?) Unrealized gains and losses (are there any losses to harvest, will selling/re-balancing trigger a taxable...
by Sidney
Mon Mar 21, 2016 8:14 am
Forum: Investing - Theory, News & General
Topic: Current world economic conjuncture and possibility of a big crisis
Replies: 20
Views: 1781

Re: Current world economic conjuncture and possibility of a big crisis

How big of a short position have you or Harry Dent taken in order to take advantage of the decline?
by Sidney
Sun Mar 20, 2016 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Loss Harvesting and Higher Tax Brackets in Retirement
Replies: 12
Views: 936

Re: Tax Loss Harvesting and Higher Tax Brackets in Retirement

Goal33 wrote:If you die, your kids will inherit that 450 + growth with a stepped up cost basis.

or give it away to charity and bury the gain
by Sidney
Sun Mar 20, 2016 1:22 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle [may have said] TIPS give you "income risk"
Replies: 58
Views: 4609

Re: Jack Bogle [may have said] TIPS give you "income risk"

No, the purpose of stocks is to provide a positive real return, meaning to outrun inflation by a positive degree, on average. The purpose of bonds is indeed ballast, TIPS or otherwise. Beyond that the purpose of TIPS is to provide an investment that does not have inflation risk. Such an investment ...
by Sidney
Sun Mar 20, 2016 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: PSA: K-1, TurboTax vs TaxAct
Replies: 3
Views: 276

Re: PSA: K-1, TurboTax vs TaxAct

Have you tried following the IRS instructions for the form and entering the data in forms view? I find the IRS instructions are often (not always) more clear than the interview questions. For example, form 8889 is pretty straightforward for HSAs but everytime I try to follow the tax software intervi...
by Sidney
Sun Mar 20, 2016 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Growth or Income Focus for Roth IRA?
Replies: 10
Views: 1025

Re: Growth or Income Focus for Roth IRA?

How would you allocated between taxable, Roth and IRA if your equity holdings are less than the total of your taxable account? Does the discussion in https://www.bogleheads.org/wiki/Tax-efficient_fund_placement help? As noted there, opinions vary along with the assumptions on which they are based. ...
by Sidney
Sun Mar 20, 2016 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Growth or Income Focus for Roth IRA?
Replies: 10
Views: 1025

Re: Growth or Income Focus for Roth IRA?

How would you allocated between taxable, Roth and IRA if your equity holdings are less than the total of your taxable account?
by Sidney
Sat Mar 19, 2016 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Any reason not to file State Tax early?
Replies: 6
Views: 568

Re: Any reason not to file State Tax early?

Escape Velocity wrote:Thanks, but it so happens I am a paper-filing sort of guy.

You can file now and pay by the 18th; or you could pay by the 18th and file as late as October 15 -- it really doesn't matter.
by Sidney
Wed Mar 16, 2016 10:00 am
Forum: Personal Consumer Issues
Topic: Pantry and fridge inventory solution
Replies: 17
Views: 1673

Re: Pantry and fridge inventory solution

PaddyMac wrote:While you're chopping the last onion, you can shout out "Alexa, add onions to my shopping list".

That wouldn't work for my spouse. My name is Sidney.
by Sidney
Sun Mar 13, 2016 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: For Parents Who Have Given a Child Money For Home Down Payment
Replies: 158
Views: 10843

Re: For Parents Who Have Given a Child Money For Home Down Payment

HueyLD wrote:A gift is a gift and once given you have no control over it.

Right. If strings attached it is a transaction.

OP would have to file Gift Tax Return, correct, but could count this as an exclusion?
by Sidney
Thu Mar 10, 2016 3:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard rep calls: consolidating into brokerage
Replies: 21
Views: 2847

Re: Vanguard rep calls: consolidating into brokerage

I always let calls from Vanguard go to message and, if necessary, call them back at number listed in my account pages.
by Sidney
Mon Mar 07, 2016 12:32 pm
Forum: Investing - Theory, News & General
Topic: Living on dividend and interest a question
Replies: 30
Views: 2183

Re: Living on dividend and interest a question

sometimes a stock will fall on x-div, sometimes it rises. The right way to think about it is that "it always falls , cumulative with whatever else happens to the stock that day". Make no mistake, there is always downward pressure by the div amount. The reason is simple arithmetic: if you,...
by Sidney
Mon Mar 07, 2016 9:15 am
Forum: Personal Finance (Not Investing)
Topic: 2015 Federal taxes due and amending return
Replies: 8
Views: 568

Re: 2015 Federal taxes due and amending return

In order to avoid confusion, I would pay the amount due, wait for that to clear and then file the amendment for a refund.
by Sidney
Sat Mar 05, 2016 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Do You Give Your Friends Investment Advice?
Replies: 58
Views: 4111

Re: Do You Give Your Friends Investment Advice?

I don't even give myself investment advice. I'm not about to give advice to others. Last time I took my own advice I invested in individual stocks.
by Sidney
Sat Mar 05, 2016 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: List all accounts for 1099-R?
Replies: 5
Views: 240

Re: List all accounts for 1099-R?

I have never entered the account number in tax software for 1099-Rs. But I enter each 1099-R individually - I don't combine them even if I have multiples from one payer with the same EIN. There isn't anything to gain by combining them prior to entry -- the software will combine them all and put the ...
by Sidney
Sat Mar 05, 2016 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: SEP-IRA for contractor job?
Replies: 5
Views: 690

Re: Side Job income

You should save some of your money in regular taxable account instead of putting all your money into IRAs or Roths. That way when you get older you can spend that money before age 59.5 if necessary. That is very important as you get into your 50s and may want to semi-retire for a while and need spe...
by Sidney
Fri Feb 26, 2016 5:37 pm
Forum: Personal Consumer Issues
Topic: Mice and termite issues
Replies: 32
Views: 2096

Re: Mice and termite issues

When you poison mice in the house, one of two things happen. If they can manage to get out of the house, they will. They are looking for water since most of the poisons make them very thirsty. If they get out, they can get eaten by predators. If they die in the walls, you will end up with petrified ...
by Sidney
Sat Feb 20, 2016 5:34 pm
Forum: Personal Consumer Issues
Topic: Amazon Free Shipping Is Now $50....
Replies: 74
Views: 9671

Re: Amazon Free Shipping Is Now $50....

mhalley wrote:My wife buys our food from a local tractor supply.

How does it taste?
by Sidney
Sun Feb 14, 2016 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Retired - do you still save?
Replies: 38
Views: 4127

Re: Retired - do you still save?

I guess definitions matter. I usually treat the conversion of human capital to financial capital (instead of consumption) as saving. I don't consider earnings (realized or unrealized) from capital as "savings". If it were, there were huge negative savings during 2008 and 09. Using that def...
by Sidney
Sat Feb 13, 2016 10:59 am
Forum: Investing - Theory, News & General
Topic: 30-Year TIPS Auction February 18 2016
Replies: 10
Views: 1721

Re: 30-Year TIPS Auction February 18 2016

If you don't trust the inflation data, don't buy the Tips.
by Sidney
Thu Feb 04, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: Don’t Be Hacker Bait
Replies: 13
Views: 2574

Re: Don’t Be Hacker Bait

nisiprius wrote:Can't get past the paywall, even from a Google search hit.

Maybe they finally decided that they want to get paid for their content.
by Sidney
Fri Jan 29, 2016 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: US Government Obligations on IRA distritution
Replies: 12
Views: 1146

Re: US Government Obligations on IRA distritution

Are you sure that income on US obligations inside IRAs is tax exempt in your state?
by Sidney
Fri Jan 29, 2016 5:22 pm
Forum: Investing - Theory, News & General
Topic: how often to rebalance
Replies: 11
Views: 1298

Re: how often to rebalance

there are no rules.
by Sidney
Fri Jan 29, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: Rain, what rain?
Replies: 17
Views: 1520

Re: Rain, what rain?

When the drought hit Oklahoma everyone moved to California. Maybe they need to go back.
by Sidney
Fri Jan 29, 2016 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: 7 strategies rich people use to pay less in taxes
Replies: 9
Views: 2365

Re: 7 strategies rich people use to pay less in taxes

Re: 7 strategies rich people use to pay less in taxes Quote inbox788 Post by inbox788 » Fri Jan 29, 2016 4:47 pm You don't have to be rich to use Donor Advised Funds (Fidelity Charitable, Schwab Charitable and Vanguard Charitable). I do donate appreciated stock for the tax break so there's more to ...
by Sidney
Fri Jan 29, 2016 3:46 pm
Forum: Personal Consumer Issues
Topic: Rain, what rain?
Replies: 17
Views: 1520

Re: Rain, what rain?

I had heard that the snowpack was quite good this year.

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