Bogleheads.org

Teetlebaum

I just got this email today: You'll soon receive an email from us asking you to transition your current Vanguard account to a Vanguard Brokerage Account at no additional cost. We're transitioning most of our accounts to the new account structure to significantly streamline our operations and help us...

Teetlebaum

I believe I've finished preparing my 2016 return (it's asking me whether I want to e-file), but when I start up my H & R Block software, it tells me that "not all federal forms are final", and that they expect an update Feb. 9. I recall from last year I kept seeing repeated notices about updates but...

Teetlebaum

What kind of oatmeal do you use in haggis? I'm guessing steel cut.

Teetlebaum

Just now on Amazon I saw that:
H&R Block 2015 Deluxe + State Tax Software + Refund Bonus Offer - Windows Download has decreased from $29.99 to $19.99

Teetlebaum

So maybe I should start taking distributions now, as presumably I'll have to withdraw even more later? Distributions? No. Roth conversions? Probably. Will you have SS income as well? Do some projecting to see what tax rates might be applied to your actual RMDs 8+ years from now. And remember that y...

Teetlebaum

Dutch wrote:Retire earlier?

I should've explained that I retired (early) four years ago and moved from IL to CA.

Teetlebaum

This is regarding a State of Illinois 457(b) Deferred Compensation Plan. (edit: I retired early four years ago and moved from IL to CA.) Although the age of mandatory distributions is 8 years away for me, I've just run the numbers on H&R Block, and if I had taken a 1/27.4 distribution in 2015, accor...

Teetlebaum

I dropped TurboTax and switched to H&R Block downloaded from Amazon, but I'm a bit disappointed. I liked the interface on the online TT I had been using better. For one thing, I sometimes highlight technical terms I don't understand and look them up on the web. The downloaded H&R doesn't allow me to...

Teetlebaum

I actually already had experience with two other agencies in the last couple of months. What I did in one case was to offer to pay one insurance-negotiated rate of $200 in two installments (that agency was highly unsympathetic), and in another to pay the insurance-negotiated rate $300 in full (this ...

Teetlebaum

WindycityDDS7 wrote:Is this for medical or dental?

This is for medical.

Teetlebaum

I'm one of the unfortunates whose health insurance is with the state of Illinois, which is currently not paying the insurer. This means the insurer is not paying providers, some of whom are starting to demand patients pay not only what the insurer bargained, but the full amount. In one case, that me...

Teetlebaum

livesoft wrote:A problem with Form 1116 with any of the programs that I have used AND with reading the IRS instructions and publications on filling it out is that no one will know if it is absolutely correctly filled out including the IRS.

I don't know whether to laugh or cry.

Teetlebaum

I want to wire US$100,000 to a relative abroad, and I've already transferred it from Vanguard to my local bank. However, my bank has a limit on wires of $50,000 at a time, so I'm thinking of splitting the sum into two wires of $50,000. My question: should I be worried about my Uncle Sammy deciding t...

Teetlebaum

I got a Seiko Men's SNKL09 Automatic Stainless Steel Watch on Amazon awhile ago for about $60. I love it, but it gains a minute every couple of days.

Teetlebaum

What about fitting? I always have to get my frames adjusted so they'll fit right. I guess either most fans of online glasses either don't have this problem or manage to do it themselves?

Teetlebaum

Spouse is in hospice with limited time left.

All our property (mutual funds, bank accounts, car, house) is jointly held.

Will we need probate?

(edited to add) We reside in California.

Teetlebaum

"The Man in the White Suit" with Alec Guinness and Joan Greenwood (love her voice!). I wish someone had brought up the candlemakers' petition, though.

Teetlebaum

My previous bikes were WalMart bikes, but under the influence of wealthy bogleheads, I've spent the princely sum of $500 on a mountain bike. I don't live in a particularly high crime area, but say I want to occasionally park my bike for half an hour at Walmart, how much is reasonable to spend on a l...

Teetlebaum

American Failure: The 401(k) is hailed as the future, but it’s horribly flawed. A select few firms are trying to change that. Nearly 100 million people in America belong to a defined contribution (DC) plan. More than 80% of plan sponsors doubt their employees’ ability to manage their incomes once r...

Teetlebaum

We've been using the Nutri Cups that come with the Ninja 1500W Blender. The cups worked great, but after several months of use, the big one sometimes starts to work itself loose of the motor attachment while in use, and has to be held on by hand. This would not be an issue with the blender, which at...

Teetlebaum

My 457 defaulted me into the target date. The article didn't mention this, but I assume the participants can choose other funds and also to opt out of the plan entirely. This is simply changing the default. Is this true? Yes, this changes the default but participants can change back to their prefer...

Teetlebaum

Illinois 457 plan sets auto re-enrollment The Illinois State Board of Investment is automatically re-enrolling all 52,000 participants in the $4.1 billion Illinois State Employees' 457 Deferred Compensation Plan, Springfield, driving members out of the most popular investment option in the process....

Teetlebaum

Like many "idea" SF writers, Dick had trouble with longer forms, but novels were where the money was. A lot of his novels are pretty bad, but usually in interesting ways and brilliant in places. In contrast, some of the short stories, like We Can Remember It For You Wholesale, seem perfectly crafte...

Teetlebaum

Here's a recent list of recommendations by one "Henry".

Teetlebaum

Can we believe self-reported data? Here's something from Diner Beware : One researcher who studies tipping found that if servers had blond hair [10] or crouched next to customers [11] while taking orders, they got bigger tips. Finally, when female servers drew a smiley face on bills, tips increased ...

Teetlebaum

Since wood doesn't last, and vinyl looks cheesy, I suggest some nice Western U.S. Vernacular Architecture.

Teetlebaum

Those who wish are allowed to keep managing their own portfolios in the handful of other funds on offer, but investors in the Vanguard Institutional Index Fund and the Vanguard Total Bond Market Index Fund will see their share classes changed from Institutional to Institutional Plus. That means the...

Teetlebaum

Those who have Deferred Compensation accounts with the state of Illinois have recently been informed that the "Illinois State Board of Investment (ISBI) is making several investment enhancements to the [State of Illinois Deferred Compensation Plan] in the coming months." I'm not sure whether it's th...

Teetlebaum

nimo956 wrote: Tarkovsky:
Andrei Rublev
Stalker
(every film of his is really a masterpiece though)

Tarkovsky Films Now Free Online

Teetlebaum

A subscription to Ancestry costs $30 a month (more or less depending on how long you commit) for the U.S. edition. The world-wide edition is more. Access to Ancestry is free at most public libraries in the U.S. and all Family History Centers. That free access lets you view all the information in th...

Teetlebaum

The estimate was for a black chain-link fence... I've got an old-style chain-link fence on one side of my property. Although there's no nearby neighbor on that side, and it's nice that I can see through it, I'm otherwise not that fond of it. Still, I can always pretend I care about historic preserv...

Teetlebaum

The Tony Bennett CD with LGG is a really great listen if you like standards. I gave it a try after a recommendation but I found most of it unlistenable owing to the too-great difference in quality between Bennett and Gaga. I like some of Lady Gaga's stuff, but I also listen/download a lot of earlie...

Teetlebaum

A certain state's board of investment has sent a form letter to those invested in deferred compensation (457) plans, informing us of their concern over the outsized allocation of assets to the small-cap growth option, informing us that heavy allocation to small-cap stocks exposes investors to signif...

Teetlebaum

One thing I discovered with TaxAct this year is that it was able to import my information from last year's return filed with TurboTax by reading the pdf copy of my return stored on my computer. Pretty handy. I gave TaxAct a try but it would not import my taxes from last year (&%#@$%*#$*@!!!), and w...

Teetlebaum

For one, I periodically buy 3 months of time (60 minutes @ 90 service days), but use it so rarely I currently have 1200 minutes. If you buy the minutes through the tracfone web site then sometime during the checkout they offer a chance to buy a years service (but no minutes) for $50. Combining this...

Teetlebaum

gkaplan wrote:
Teetlebaum wrote:I'll wait till we get there to decide.
You do realize that you reopened a thread whose most recent post was six and half years prior, do you not?

Yes.

Teetlebaum

I'll wait till we get there to decide.

Teetlebaum

parigi723 wrote:Do you have an Emergency Road Service?

Nope. I don't drive a lot, but enough that I might need it. I've decided to rely on a combination of my Garmin to check for the numbers of nearby wreckers and call them on my dumb tracfone. I'll save the annual fee.

Teetlebaum

I think it's a great idea to try and I agree that the younger people are, the easier it is to learn a language. However, it seems to be difficult in practice. My parents were Americans who taught French and originally envisaged speaking French at home, or alternating between French & English, but en...

Teetlebaum

Out of the Past. 1947 classic noir with Robert Mitchum, Krik Douglas and Jane Greer- considered by many one of the best noirs ever. Great 40s dialogue and cigarette smoking styles throughout.... I was at the edge of my seat until the ending, which was a bit of a "Then they all got run over by a tru...

Teetlebaum

Flying Down to Rio Sumptuous and beautifully photographed, with high production values and several clever process scenes giving an unusually good impression of Rio de Janeiro, but the dancing on airplane wings is a bit contrived, and in the end the film is redeemed only by the fresh pairing of Ging...

Teetlebaum

anonforthis wrote:I talked to my husband again and he told me not to bring it up ever again. So I think it's final that's we are going to pay for it.

My condolences.

Teetlebaum

How can you keep the spirit of giving.... The spirit of giving or the spirit of "gimme"? A few years ago a local paper published "letters to Santa" that they had solicited from local kids. I believe this was as a service to the kids (and parents), but it was letter after letter starting with "I wan...

Teetlebaum

Ask Jack Bauer (or Vic Mackey).

Teetlebaum

I chose "flip phone". I actually have two tracphones. https://www.tracfone.com/static/common/images/phones/TFSAT105GP/small.gif For one, I periodically buy 3 months of time (60 minutes @ 90 service days), but use it so rarely I currently have 1200 minutes. (The other was for a visiting foreigner & I...

Teetlebaum

In California, it's apparently possible to do POD/TOD for virtually everything except for real estate. I ran across mentions of the Enhanced Life Estate Deed aka Lady Bird Deed, which seems to be pretty much the same thing as a TOD. Most of them point back to http://theonlinelawyer.blogspot.com/200...

Teetlebaum

dm200 wrote:A common caution is that alternate plans should be made in case the donation is not accepted

Well, we are made of meat.

Teetlebaum

If you have "das auto" I think you are getting ripped off. The manual for my car does recommend changing the spark plugs for my model at 40k mi., so I suppose the clerk was just going by the book, since it was was the 4th year. But he clearly knew I hadn't driven that much, and ought to know a litt...

Teetlebaum

I brought my new VW to the dealer for the first three "free" annual maintenances. Then recently I brought it in for the fourth annual maintenance, which I had to pay for. Although the clerk saw my car is fairly low mileage (21k), he pointed me to the recommended maintenance ($500), but cheaper less ...

Teetlebaum

I'm also a fan of "Stiff: The Curious Lives of Human Cadavers". Was it in her book that I read that medical students are required to treat the cadavers with respect? (If that's an issue with you.) While I had heard that anatomy was now learned via computer, it turns out I was misinformed: ...student...

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