Search found 1323 matches

by catdude
Sat Sep 23, 2017 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Need $$$; tap my taxable acct or my IRA?
Replies: 12
Views: 516

Re: Need $$$; tap my taxable acct or my IRA?

Here's something I just thought of. I need to pull out $20,000. If I take it from taxable, $10k is return of capital (not subject to tax), and the other $10k is LTCG, taxed at 0%. If I take $20K from my IRA, it's all taxed as ordinary income. I've got 10k space in the 15% bracket, so 10k gets taxed ...
by catdude
Sat Sep 23, 2017 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Need $$$; tap my taxable acct or my IRA?
Replies: 12
Views: 516

Re: Need $$$; tap my taxable acct or my IRA?

What percent of your assets are in a tax-deferred account? If under 20% I wouldn't worry about huge RMDs, but if 50% or more of your assets are in tax-deferred, those RMDs are going to surprise you when you are 70.5. In the latter case, it may be better to start bringing down the value of the tax-d...
by catdude
Sat Sep 23, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 47
Views: 2889

Re: Lifestyle Creep

The biggest single aspect of lifestyle creep I successfully avoided was buying more house than needed. The vast majority of my (former) colleagues own McMansions, near-McMansions or relatively high-end older houses. I bought a decent little house of a size that used to routinely and comfortably acc...
by catdude
Sat Sep 23, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Need $$$; tap my taxable acct or my IRA?
Replies: 12
Views: 516

Re: Need $$$; tap my taxable acct or my IRA?

I would definitely harvest the cap gains in the brokerage account. Can't do any better than 0% tax rate. You should probably be harvesting those gains anyway if you have space in the 15% tax bracket. aristotelian - I have 10k of available space every year in the 15% bracket (my pension income is ve...
by catdude
Sat Sep 23, 2017 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Need $$$; tap my taxable acct or my IRA?
Replies: 12
Views: 516

Re: Need $$$; tap my taxable acct or my IRA?

If your 10k CG doesn't bump you above the 15% tax bracket, there should be 0% tax on your CG. I would take it from taxable rather than IRA. Don't you have any emergency funds? I would try to have some available somehow. I do have emergency funds of about 28k, but would have to use all of those $$$ ...
by catdude
Sat Sep 23, 2017 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Need $$$; tap my taxable acct or my IRA?
Replies: 12
Views: 516

Need $$$; tap my taxable acct or my IRA?

Hi Bogleheads - As I mentioned in another thread, it looks like I'm going to be buying my niece's 2017 Ford Escape. KBB values it at $27.7K; I've got some cash on hand, but I'll need to draw down about $20K from my investments. The question is, should I take that from my taxable account or my tradit...
by catdude
Fri Sep 22, 2017 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 95
Views: 5319

Re: Age you retired

Retired at 55, exactly seven years ago. Retirement sure beats working!
by catdude
Sat Sep 16, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 311
Views: 16338

Re: Iphone X is $1000

wrongfunds wrote:
Sat Sep 16, 2017 11:53 am
SE for $150 is the best bang for your buck. Same processor as the 6s
Can you tell me where can I get unlocked SE for $150?
I don't know of a place selling the SE for $150, but Consumer Cellular is selling it for $160 ...

https://www.consumercellular.com/Products/821/Details
by catdude
Sat Sep 16, 2017 12:23 am
Forum: Personal Consumer Issues
Topic: Any Ford Escape drivers in Boglehead-land?
Replies: 23
Views: 2270

Re: Any Ford Escape drivers in Boglehead-land?

Hi, OP here. Thanks everyone for your thoughts. This is very helpful feedback. I think I will go ahead and buy the car, assuming that my niece follows thru on her plans to sell it. I'm looking forward to getting some 21st century technology...
by catdude
Fri Sep 15, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 115
Views: 7346

Re: Postal Service -- "informed delivery"

Looks useful. But...the FAQ has this sentence under how the method works: "Informed Delivery allows users to take action before important items reach their mailbox, while offering mailers an unprecedented opportunity to engage users through synchronized direct mail and digital marketing campaigns."...
by catdude
Fri Sep 15, 2017 2:03 am
Forum: Personal Consumer Issues
Topic: Any Ford Escape drivers in Boglehead-land?
Replies: 23
Views: 2270

Any Ford Escape drivers in Boglehead-land?

Y'all, My oldest niece and her fiancé are probably going to be re-locating to NY City soon. They'll likely need to sell their cars, and I'm interested in buying her 2017 Ford Escape. The winters here can be rugged (last winter certainly was) so I can use the Escape's AWD. And it's got 245 hp, which ...
by catdude
Wed Sep 13, 2017 1:07 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 311
Views: 16338

Re: Iphone X is $1000

randomizer wrote:
Tue Sep 12, 2017 5:09 pm
Nope. Nope. Nope.

IPhone SE is good enough for me.
Me too. Love the small form factor of the SE....
by catdude
Sat Sep 09, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 10837

Re: Anyone else freeze their credit score?

Yeah I froze mine yesterday. I'm 62 and retired and don't anticipate needing credit again. And if I do, I can always do an un-freeze. I had been meaning to freeze my credit for a long time, and this Equifax breach finally got me off the dime...
by catdude
Fri Sep 08, 2017 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 628
Views: 37150

Re: Equifax customer information leak

I too just froze my credit at all three bureaus. It's something I'd meant to do for awhile but procrastination got in the way. The Equifax hack got me moving... It took roughly 20 minutes online to do the freezes, and each one cost 10 bucks (the cost is set by state law, right?). Glad I finally got ...
by catdude
Wed Sep 06, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 23241

Re: Name something you had to have and now you regret purchasing it?

Amazon Echo +1 The only thing I used my Echo for was listening to internet radio. Plus one of my cats was in the habit of rubbing up against it and knocking it over. So I unplugged it and stuck it in the closet. I've replaced it with an old Logitech Squeezebox Boom -- it works just as well for list...
by catdude
Mon Sep 04, 2017 11:47 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 309
Views: 44799

Re: What is your favorite consumer product?

Long ago, when this thread was launched (actually two & a half years ago), several folks mentioned their fondness for Logitech squeezeboxes. They've long since been discontinued, sad to say, but I'm still using a couple of Squeezebox Booms to listen to internet radio. Pretty cool devices. I've still...
by catdude
Mon Aug 28, 2017 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Absolute noob when it comes to investing needs advice
Replies: 80
Views: 4597

Re: Absolute noob when it comes to investing needs advice

Hi, new here but more importantly new to investing. In fact, you likely won't find many people who know less about it than me. However, with some help from a friend and spending a few days reading online i've decided i want to invest in mutual funds. I'm 62, retired on a shoestring (mainly because ...
by catdude
Sun Aug 27, 2017 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Do people in the 15% tax bracket tax loss harvest?
Replies: 24
Views: 2129

Re: Do people in the 15% tax bracket tax loss harvest?

A lower tax bracket is mathematically impossible. if you are in the 15% bracket, your long term capital gains are taxed at 0. Hence, I would tax gain harvest if I was in the 15% tax bracket. Because your increasing your basis for free. Would you tax gain harvest in lieu of doing a Roth conversion? ...
by catdude
Tue Aug 22, 2017 9:43 pm
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 64
Views: 4754

Re: Eclipse Traffic: predictions vs reality?

Predictions for central Oregon were that we would have wall-to-wall traffic for several days prior to the eclipse. That didn't materialize. During those several days, I checked the ODOT cameras for Rt 97 periodically and saw nothing out of the ordinary. I kept wondering where all the traffic was. On...
by catdude
Mon Aug 21, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14541

Re: How far would you travel to see The Eclipse?

Walked to the front yard. Pretty underwhelming and was expecting it to be more. From what I see there is definitely two camps of people. Those that think it was awesome and those that yawn and go back to real life. In Portland you only got 99%. The difference is everything. Put it this way... a par...
by catdude
Mon Aug 21, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14541

Re: How far would you travel to see The Eclipse?

BTW, one of the things that struck me about the experience was the feeling I got in the 10 - 15 minute period before totality. It was like dusk, only it felt weird. It was quite eerie. Did anyone else get that feeling? I don't know if there was the same feeling post-totality -- by that time, I was o...
by catdude
Mon Aug 21, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14541

Re: How far would you travel to see The Eclipse?

It is worth it. Salem OR. +100 Just got back from a quick trip up to Redmond. Totality is pretty dang cool and awesome -- even 45 seconds of it, which is what I got. Redmond was on the very edge of totality. Many thanks to BH Nearing Destination for mentioning the ODOT TripCheck website -- I took a...
by catdude
Sun Aug 20, 2017 11:32 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 13337

Re: I own no international stocks. Can you guess why?

stemikger wrote:
Sun Aug 20, 2017 10:55 pm
Because you no longer own stocks?
That's my guess too....
by catdude
Sat Aug 19, 2017 12:26 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14541

Re: How far would you travel to see The Eclipse?

Gerry Here in central OR, we've had the whychus fire and the current "milli" fire (still nowhere near contained and over 3000 acres earlier this morning) which has caused a bit of problem with visibility-- we are relatively clear in our location in the totality path-- but should still have enough c...
by catdude
Wed Aug 16, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 115
Views: 7346

Re: Postal Service -- "informed delivery"

It still seems to me to be a solution in search of a problem. Now if someone can figure out who sends all that crap that ends up in my spam folder that is something I would be interested in. :D I agree. First of all, it won't tell you of any mail that was stolen before it got to the final post offi...
by catdude
Tue Aug 15, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 115
Views: 7346

Re: Postal Service -- "informed delivery"

Crazy website. I went to sign up and create an account. It says I already have an account. OK, great. Please send me my username. Can't do that, you have to create a new account. Ok fine. Sorry, can't create a new account, you already have one. *facepalm* :oops: Well, this IS the postal service we'...
by catdude
Tue Aug 15, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 115
Views: 7346

Re: Postal Service -- "informed delivery"

Atilla wrote:
Tue Aug 15, 2017 4:58 pm
Pervasive government surveillance turned into a consumer benefit!
Hi, OP here. I read somewhere that the USPS has actually been doing this kind of mail scanning since the 1990's. It's only recently that they developed this informed delivery service....
by catdude
Tue Aug 15, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 115
Views: 7346

Postal Service -- "informed delivery"

Hi Bogleheads - Just mentioning this FWIW... The U.S. Postal Service has a new service that I'm finding to be quite handy. A few months ago I signed up for "informed delivery". (I think it's still in beta test mode). Each morning I get an email showing me scanned images of my snail mail to be delive...
by catdude
Sat Aug 12, 2017 12:49 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14541

Re: How far would you travel to see The Eclipse?

I live 40 miles from Madras, which is smack dab in the middle of totality, and I'd love to make the trip, but I read in the paper a few days ago that officials are estimating that the trip up Route 97 will take SIX HOURS. Forget it!
by catdude
Fri Aug 11, 2017 1:15 am
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 6498

Re: What Percentage CASH are you?

6%. Not sure why but it has worked out that way. Just an emotional need to see a certain $ amount in cash. My wife is like that. She gets nervous if her savings account gets below a certain dollar amount. Its funny that she doesn't index for inflation. :) I'm like this too. I've got roughly 6.5% in...
by catdude
Thu Aug 10, 2017 12:46 am
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 85
Views: 5396

Re: Oregon road trip help

They need to clean their telescopes. :shock: No freeways in or near Madras. And traffic will be a complete nightmare in that area because it is one of the best places (and most hyped places) to see the eclipse. This is right. I'm in Bend, just down the road from Madras, and I'm not gonna brave the ...
by catdude
Tue Aug 08, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Any veterinarians that can quickly weigh in re: estimate?
Replies: 39
Views: 3819

Re: Any veterinarians that can quickly weigh in re: estimate?

Hi BogleFanGal - Just last week one of my cats needed to have some teeth extracted. I've got the bill right here. The total cost was $545... FWIW, here's a breakdown of the charges. You can compare this to the line-items on your estimate.... Buprenorphine $16 Tooth extraction - moderate 56 Suture pa...
by catdude
Mon Jul 17, 2017 1:32 am
Forum: Personal Consumer Issues
Topic: Apple iMac problem?
Replies: 49
Views: 3301

Re: Apple iMac problem?

I'd be hesitant about buying a Mac Mini because it has not been updated since 2014. The MacRumors buying guide lists it as 'Don't Buy '. https://buyersguide.macrumors.com/#Mac Perhaps that forum might help you with your question. Thanks for the heads-up. I think I'll sit tight for awhile and keep u...
by catdude
Sat Jul 15, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: Apple iMac problem?
Replies: 49
Views: 3301

Re: Apple iMac problem?

https://support.apple.com/en-us/HT204592 http://www.macworld.co.uk/how-to/mac/use-imac-display-as-monitor-for-another-mac-3596055/ I'd bring to apple store and test the setup before buying. Seems like you have to have the exact right cable. $500 for a new mac mini and you're in business... arsenalf...
by catdude
Fri Jul 14, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: To buy or not to buy... [a new car]
Replies: 43
Views: 4019

Re: To buy or not to buy...

rashad3000 wrote:We have no other debt, except for a 15-year mortgage at 0.125%.
Do you know where I can get one of these mortgages? :)
by catdude
Fri Jul 14, 2017 8:19 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 18274

Re: How are folks handling the unprecedented rise in the market ?

If this market rise is getting you all rattled you would have had a tough time in the 1980's and 90's. Water cooler discussions about which lousy "maximum capital gains" category funds were up only 50% last year......... Yes, to be honest, it does feel silly to be rattled when the market is rising....
by catdude
Fri Jul 14, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Apple iMac problem?
Replies: 49
Views: 3301

Re: Apple iMac problem?

I really have had no problems with either iMac - maybe you could just use the 21" monitor as display and buy a mac mini? arsenal fan - This is an intriguing idea. But is it possible to do this? What port on the iMac display would one use to hook up a mac mini? EDIT: I just checked the Apple website...
by catdude
Thu Jul 13, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Apple iMac problem?
Replies: 49
Views: 3301

Re: Apple iMac problem?

Y'all, I have an iMac with similar specs as GW208's (the OP). My browser is Safari and 98% of my usage is for web surfing and emailing. I get the beach ball fairly often... probably 3 or 4 times a week. Usually I can just move the cursor off of the Safari window, and onto the desktop, and the beach ...
by catdude
Thu Jul 13, 2017 1:13 am
Forum: Personal Consumer Issues
Topic: Best way to buy a iPAD
Replies: 13
Views: 1537

Re: Best way to buy a iPAD

.Check B&H Photo Video. They had a sale recently on iPads and I got the local Best Buy to match their price on a Mini 4.
by catdude
Thu Jul 13, 2017 1:05 am
Forum: Personal Finance (Not Investing)
Topic: Possible Relocation to Portland, OR
Replies: 26
Views: 2252

Re: Possible Relocation to Portland, OR

I need to agree with a couple of opinions posted up thread --

1. Powell's Bookstore is really great
2. Traffic in Portland-- especially at rush hour-- is horrible
by catdude
Wed Jul 12, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Personal loan to a family member
Replies: 114
Views: 7137

Re: Personal loan to a family member

OP, see my signature below. Twain may as well have been speaking of family relationships as well as friendships.
by catdude
Sun Jul 09, 2017 12:53 am
Forum: Personal Consumer Issues
Topic: Android phone, which one?
Replies: 16
Views: 1350

Re: Android phone, which one?

In the past I used the Moto G (3rd gen.) and Moto X. Both were really good phones, excellent value for the $$$. The Moto X has been supplanted by the Moto Z, which looks to be pretty dang cool...
by catdude
Fri Jul 07, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 14142

Re: Are you finding any good values at Amazon anymore?

Interesting enough, there are a few states that don't have a sales tax, but I wonder if they get their revenue through higher income taxes/property taxes. That's the story here in Oregon. There's no sales tax -- though there have been many attempts over the past few decades to impose one -- but the...
by catdude
Fri Jun 30, 2017 1:30 am
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6529

Re: Where to View Total Eclipse? - Kansas City

We originally had reservations near Madras, Oregon, but getting there was going to take too long and then... we read about the expected mobs and mobs and multi-hour traffic delays. The reason for that spot was the best likelihood for clear skies. I'm about 40 miles south of Madras, outside the zone...
by catdude
Thu Jun 29, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6529

Re: Where to View Total Eclipse? - Kansas City

We originally had reservations near Madras, Oregon, but getting there was going to take too long and then... we read about the expected mobs and mobs and multi-hour traffic delays. The reason for that spot was the best likelihood for clear skies. I'm about 40 miles south of Madras, outside the zone...
by catdude
Thu Jun 22, 2017 12:14 am
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 3995

Re: which IPAD?

Y'all, This is a very timely thread for me. Late last week I bought the standard iPad (32GB) for $299 at Best Buy (I got them to match B&H Photo Video's price). I got a great deal, but I'm finding it rather cumbersome compared to my old 16GB iPad Mini 4. I like that I can grip the Mini 4 with on...
by catdude
Mon Jun 19, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: Cancelled Cable TV Service Today... [Downsized cable service
Replies: 26
Views: 3087

Re: Cancelled Cable TV Service Today... [Downsized cable service

About six months ago I bought an OTA antenna and did a Sling free trial. Both of those worked just fine, so I called the local cable company and said I wanted to drop my TV service but keep my internet service. As I expected, I wound up in a negotiation with the rep. He moved me to a lower tier of T...
by catdude
Sat Jun 17, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: Metropcs iPhone SE $200
Replies: 42
Views: 3446

Re: Metropcs iPhone SE $200

CULater wrote:I'm assuming that all these deals being mentioned (Consumer Cellular, StraightTalk, etc.) mean the SE is locked to their service and must be unlocked to get away -- correct? How long are you married to the service before you can do that?


With consumer cellular you're locked in for six months.