Search found 6289 matches

by Sidney
Thu Feb 04, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: Don’t Be Hacker Bait
Replies: 12
Views: 1925

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: 1032

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: 1199

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: 1448

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: 2238

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: 1448

Re: Rain, what rain?

I had heard that the snowpack was quite good this year.
by Sidney
Fri Jan 29, 2016 3:40 pm
Forum: Personal Consumer Issues
Topic: How to stop junk mail for a deceased person
Replies: 39
Views: 2399

Re: How to stop junk mail for a deceased person

Should taper off after ~ 5 years. I have never been successful in stopping it. I think attempts to contact the senders only creates more.
by Sidney
Fri Jan 29, 2016 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Do you listen to or watch Financial entertainment?
Replies: 16
Views: 586

Re: Do you listen to or watch Financial entertainment?

Only so many trips around the sun. Not going to waste any time on this.
by Sidney
Wed Jan 27, 2016 12:49 pm
Forum: Investing - Theory, News & General
Topic: Do you tax loss harvest by selling in taxable and buying in tax-adv?
Replies: 13
Views: 424

Re: Do you tax loss harvest by selling in taxable and buying in tax-adv?

Admiral wrote: I assume this does not count under the wash rules?

If they fall within the wash "window" they do count. The IRS doesn't care how you buy them.
by Sidney
Wed Jan 27, 2016 12:44 pm
Forum: Investing - Theory, News & General
Topic: Do you tax loss harvest by selling in taxable and buying in tax-adv?
Replies: 13
Views: 424

Re: Do you tax loss harvest by selling in taxable and buying in tax-adv?

Admiral wrote:However, as you know transactions in tax-adv space are not reported on 1099-B, so how would the IRS know what was bought and sold?

You would report the sale as a wash sale on your form 8949.
by Sidney
Wed Jan 20, 2016 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Question about TIPS
Replies: 5
Views: 289

Re: Question about TIPS

shouldn't it read "was a TIPS"? :happy
by Sidney
Tue Jan 19, 2016 9:22 pm
Forum: Personal Consumer Issues
Topic: Retiring and people seem to avoid me
Replies: 66
Views: 7889

Re: Retiring and people seem to aviod me

Envy, probably.
by Sidney
Sun Jan 17, 2016 9:31 am
Forum: Investing - Theory, News & General
Topic: I'm sitting here watching FOX Business...14200??
Replies: 92
Views: 7537

Re: I'm sitting here watching FOX Business...14200??

Why is that Freddie? All broadcast and cable news is biased and sensationalistic today. I haven't found one news organization that doesn't color their reporting in one way or another. Not too long ago there was a study done by a university that reported data showing that people who watched cable ne...
by Sidney
Fri Jan 15, 2016 12:40 pm
Forum: Investing - Theory, News & General
Topic: Who's buyin' today?
Replies: 127
Views: 10681

Re: Who's buyin' today?

all the people on the other side of the sell orders.
by Sidney
Fri Jan 15, 2016 11:48 am
Forum: Investing - Theory, News & General
Topic: I'm sitting here watching FOX Business...14200??
Replies: 92
Views: 7537

Re: I'm sitting here watching FOX Business...14200??

Can kill two birds with one stone by canceling your cable subscription.
by Sidney
Fri Jan 15, 2016 11:09 am
Forum: Investing - Theory, News & General
Topic: I'm sitting here watching FOX Business...14200??
Replies: 92
Views: 7537

Re: I'm sitting here watching FOX Business...14200??

tenkuky wrote:Hopefully this passes before we have to really withdraw...

Even if it does, it is likely to happen again -- maybe more than once -- in your life time.
by Sidney
Thu Jan 07, 2016 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Is a Bear market the ideal market to retire?
Replies: 70
Views: 5327

Re: Is a Bear market the ideal market to retire?

The problem is withdrawing by selling equities when they are down, especially when one is no longer earning and stashing more into retirement funds (hence, "buying at lows" isn't much of a consolation). Doesn't this mean that the retiree is (potentially) too heavily weighted to equity? If...
by Sidney
Tue Jan 05, 2016 9:13 pm
Forum: Investing - Theory, News & General
Topic: VWO: what a terrible performance!!
Replies: 79
Views: 7546

Re: VWO: what a terrible performance!!

If you could identify the 2% of the Total US Stock Market that performed the worst over the same period, how would that compare?
by Sidney
Tue Dec 29, 2015 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Deluxe 2015 sch D fully functional?
Replies: 6
Views: 487

Re: TurboTax Deluxe 2015 sch D fully functional?

Sounds to me like the Schedule D is fully functional but the interview method is not. Doing a return is faster entering the data directly into a schedule. In the case of the D, the data entry is normally on Form 8949 or a worksheet that feeds 8949. With a 1099B in hand, it is much faster to just ban...
by Sidney
Tue Dec 29, 2015 1:10 pm
Forum: Personal Consumer Issues
Topic: Several electrical outlets don't work
Replies: 50
Views: 1845

Re: Several electrical outlets don't work

OP again. Thanks for the quick responses. They outlets used to work before but I don't know when they stopped working. House was built back in 2004. I have flipped the main breaker and flipped all the individual circuits from off to on. I also reset every GFCI. I find it hard to believe I missed a ...
by Sidney
Tue Dec 29, 2015 12:50 pm
Forum: Personal Consumer Issues
Topic: Several electrical outlets don't work
Replies: 50
Views: 1845

Re: Several electrical outlets don't work

I am not sure what is meant by testing the voltage before it hits the outlet. Can you elaborate? Put the voltmeter on the wires before they enter the outlet. Check every outlet this way. Exactly. Voltmeter isn't expensive. You should be able to pick one up for $15-20 at a hardware store or big box ...
by Sidney
Tue Dec 29, 2015 12:23 pm
Forum: Personal Consumer Issues
Topic: Several electrical outlets don't work
Replies: 50
Views: 1845

Re: Several electrical outlets don't work

Have you checked the voltage across the circuit (before it hits the outlet)? If you are getting power through the wires, it could be that you just need to replace the outlet. That isn't a difficult DIY job.
by Sidney
Sun Dec 27, 2015 3:58 pm
Forum: Personal Consumer Issues
Topic: soylent?
Replies: 15
Views: 1620

Re: soylent?

Avoid the green variety.
by Sidney
Fri Dec 25, 2015 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: software for medical expense tracking
Replies: 4
Views: 613

Re: software for medical expense tracking

My insurance company tracks everything except my dental and eye glasses. These are 3-4 line items per year max. I can download the entire claims history at the end of the year from the insurance co. The pharmacy provides the same service for prescriptions.
by Sidney
Fri Dec 25, 2015 11:16 am
Forum: Personal Consumer Issues
Topic: Airline cancelling our flight
Replies: 33
Views: 4373

Re: Airline cancelling our flight

student wrote:
livesoft wrote:Was your starting airport affected the recent tornadoes?


I don't think so. They have flights leaving late afternoon today, so I don't think it is weather related.

It could still be weather if they had difficulty getting planes and/or crew in the right place.
by Sidney
Thu Dec 24, 2015 9:03 am
Forum: Investing - Theory, News & General
Topic: TIPS Fund is Getting Hammered!
Replies: 71
Views: 8466

Re: TIPS Fund is Getting Hammered!

dkturner wrote:Dabbling in inflation hedges in a low inflationary environment isn't exactly the road to riches shall we say.

Neither is life insurance but people still buy it.
by Sidney
Tue Dec 22, 2015 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: How old can you be and retire early?
Replies: 56
Views: 3702

Re: How old can you be and retire early?

Retirement accounts are accessible before 59.5
by Sidney
Tue Dec 22, 2015 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Capital Loss Not Showing ?
Replies: 4
Views: 137

Re: Capital Loss Not Showing ?

I may be wrong but I think that is only for distributions. The capital loss will show up on your tax return when you complete the correct forms. If VG has your correct basis, it will also be reported on the 1099B when it is issued.
by Sidney
Tue Dec 22, 2015 10:55 am
Forum: Personal Finance (Not Investing)
Topic: How old can you be and retire early?
Replies: 56
Views: 3702

Re: How old can you be and retire early?

"early" to me is significantly prior to the age you originally planned. If you never had a plan, you can't retire early.
by Sidney
Tue Dec 22, 2015 12:37 am
Forum: Investing - Theory, News & General
Topic: Why do we like dividends?
Replies: 159
Views: 16044

Re: Why do we like dividends?

goldendad wrote:Once the company pays you the dividend it is very difficult for them to spend it on corporate jets and meetings in Aspen and Hawaii.

They borrow money for those. That way they can pay the dividend and have their junkets.
by Sidney
Sat Dec 19, 2015 5:24 pm
Forum: Investing - Theory, News & General
Topic: Developed Markets Index fund dividend down ~24%
Replies: 14
Views: 1839

Re: Developed Markets Index fund dividend down ~24%

IMO what you are revealing is a flaw in the "withdraw only dividends" strategy.
by Sidney
Sat Dec 19, 2015 3:42 pm
Forum: Personal Consumer Issues
Topic: How to clean a Karastan rug
Replies: 17
Views: 1406

Re: How to clean a Karastan rug

Church Lady wrote:Hi Sidney, most people would tell you not to put more into repairing a car than it is worth. Maybe carpets are the same way.

Maybe it is worth a lot more than you paid. The real key is whether the professional cleaning is worth the $30.
by Sidney
Sat Dec 19, 2015 3:03 pm
Forum: Personal Consumer Issues
Topic: How to clean a Karastan rug
Replies: 17
Views: 1406

Re: How to clean a Karastan rug

I don't understand the relationship between what you paid and whether it should be professionally cleaned.
by Sidney
Fri Dec 11, 2015 4:54 pm
Forum: Investing - Theory, News & General
Topic: Much better approach than traditional AA ratios if you have enough?
Replies: 39
Views: 3854

Re: Much better approach than traditional AA ratios if you have enough?

jjface wrote:I would imagine that most people would retire long before they had so much play money

Not uncommon that a windfall (inheritance) occurs near or even after retirement.
by Sidney
Fri Dec 11, 2015 2:51 pm
Forum: Investing - Theory, News & General
Topic: VG year-end distributions for MFs and ETFs
Replies: 6
Views: 530

Re: VG year-end distributions for MFs and ETFs

Some pretty good CG slaps from some of the managed funds.
by Sidney
Wed Dec 02, 2015 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Reducing taxable income for this year
Replies: 14
Views: 1250

Re: Reducing taxable income for this year

vivekian123 wrote:- Is a DAF still effective for smaller contribution amounts? lets say I don't want to cross $1K.
IMO, no. Main value for DAFs for me are (1) Tax rate arbitrage (2) donating appreciated securities and (3) making anonymous donations.
by Sidney
Tue Dec 01, 2015 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 319
Views: 30342

Re: Vanguard TurboTax - Not Available 2015?

I've gotten used to the discounted TT from Vanguard. I'd like to use the desktop version, but I'm flexible when/where I buy it. Any collective wisdom on when Intuit historically has discounts and via which channel? Amazon and Costco are obvious choices ... but I recently received "trial" ...
by Sidney
Tue Dec 01, 2015 5:42 pm
Forum: Personal Consumer Issues
Topic: Boglehead cell phone strategy
Replies: 143
Views: 14109

Re: Boglehead cell phone strategy

BW1985 wrote:
livesoft wrote:1. Ask for one for Christmas from your kids.
2. Have your kids put your phone on their family plan.


1. I don't have kids
2. See #1

Ask for one from livesoft's kids.
by Sidney
Sun Nov 22, 2015 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Is W-2 the sole requirement of buying a Roth
Replies: 16
Views: 1183

Re: Is W-2 the sole requirement of buying a Roth

IMO, f she isn't currently working, she isn't being compensated. If it is to purchase insurance, it is more of a reimbursement. I could be wrong. Ask the IRS if you really want a definitive answer.
by Sidney
Tue Nov 17, 2015 3:06 pm
Forum: Personal Consumer Issues
Topic: What Happened to IE?
Replies: 7
Views: 1253

Re: What Happened to IE?

You should be able to go into settings and change your start page to whatever URL you want.
by Sidney
Mon Nov 16, 2015 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP Deductible Met, how to benefit
Replies: 12
Views: 878

Re: HDHP Deductible Met, how to benefit

mhalley wrote:A colonoscopy would be no fun because they knock you out for it.

Actually, that's the fun part. The prep is the un-fun part.
by Sidney
Sun Nov 15, 2015 11:05 am
Forum: Investing - Theory, News & General
Topic: "Why Have TIPS Been Such Poor Performers?"
Replies: 13
Views: 2283

Re: "Why Have TIPS Been Such Poor Performers?"

But just because something has not done well recently does not negate the reason for owning it in the first place. Life insurance is a classic example. Despite the fact that your survivors may not have won the lottery from your demise, you may still choose to purchase life insurance if the need exi...
by Sidney
Sat Nov 14, 2015 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Shady behavior by Fidelity...sneaking sector funds into target date funds.
Replies: 35
Views: 3219

Re: Shady behavior by Fidelity...sneaking sector funds into target date funds.

If you aren't happy with the investments can you roll the 457 over to an IRA?
by Sidney
Sat Nov 14, 2015 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Shady behavior by Fidelity...sneaking sector funds into target date funds.
Replies: 35
Views: 3219

Re: Shady behavior by Fidelity...sneaking sector funds into target date funds.

Normally account holders are notified in advance of changes to a fund. Did you get a notification?
by Sidney
Sun Nov 08, 2015 4:57 pm
Forum: Investing - Theory, News & General
Topic: Why the heck not market-time TIPS?
Replies: 29
Views: 3301

Re: Why the heck not market-time TIPS?

This is approximately what Larry Swedroe suggests. Switch between short nominals and long TIPS based on current yields. I have done this with some exception -- I still hold a bit of long Tips. Most buys were near 3% real and I sold off most when the yield dropped below 1% (I did keep one layer, can'...
by Sidney
Sat Nov 07, 2015 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Expenses and Impact on Taxes
Replies: 12
Views: 500

Re: Expenses and Impact on Taxes

Hard to get rich spending a dollar to save 40 cents -- although I have seen some people try. Good point! I don't think the tax planner we met with was trying to say throw money away on wasteful things we don't need. I think the point he was driving home was that if there were expenses that we were ...
by Sidney
Sat Nov 07, 2015 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Expenses and Impact on Taxes
Replies: 12
Views: 500

Re: Expenses and Impact on Taxes

Hard to get rich spending a dollar to save 40 cents -- although I have seen some people try.
by Sidney
Fri Nov 06, 2015 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Munis
Replies: 10
Views: 913

Re: Munis

ogd wrote:The proposition that "I will become my own bond manager so I don't have to look at the market value of my bonds" never made much sense to me.


This is cheaper

Image

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