Search found 38 matches

by fabdog
Mon Jan 04, 2016 8:06 pm
Forum: Personal Consumer Issues
Topic: Credit card fraud - what happens with refunds to that card?
Replies: 4
Views: 367

Re: Credit card fraud - what happens with refunds to that card?

That has been my experience in the past, both with Citi and other card vendors. Also any pending charges that were valid will "flow thru" to your new card

Mike
by fabdog
Wed Dec 30, 2015 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need a CPA for my taxes (personal not business)?
Replies: 27
Views: 1796

Re: Do I need a CPA for my taxes (personal not business)?

[/quote]

Isn't CPA = tax professional? Or are there other places to get in person help (besides a CPA)?[/quote]

CPA is certainly an option, and a tax professional. Just seems like overkill for the situation you described

Mike
by fabdog
Wed Dec 30, 2015 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need a CPA for my taxes (personal not business)?
Replies: 27
Views: 1796

Re: Do I need a CPA for my taxes (personal not business)?

not clear you need a CPA, a knowledgeable tax professional should be able to sort thru your 2014 issues and get the right forms done. So a CPA or an enrolled agent (who can practice before the IRS) should be able to help you out. You could also ask friends if they know someone local with solid skill...
by fabdog
Tue Dec 22, 2015 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bogleheads Buying I-Bonds 2016?
Replies: 73
Views: 7982

Re: Are Bogleheads Buying I-Bonds 2016?

I figure that, currently at 0.1%, you might as well wait. It's a pretty low risk gamble (other than the time lost). In addition to the time, there is space. With the yearly limits once it's gone it's gone. So if someone skips 2015 and then decides it's a great choice, you lost that years $10K (whic...
by fabdog
Sun Dec 20, 2015 2:02 pm
Forum: Investing - Theory, News & General
Topic: Finding a good tax-loss pair for individual stock
Replies: 2
Views: 227

Re: Finding a good tax-loss pair for individual stock

Well, NOV has taken a beating this year, and as folks look for TLH down the stretch here it might take even more punishment. If you really want to have a position in Oil services you could look at Baker Hughes, Halliburton, or Weatherford But then you have the Baker Hughes/Halliburton merger activit...
by fabdog
Mon Dec 14, 2015 2:05 pm
Forum: Personal Consumer Issues
Topic: Buy a Bosch dishwasher on Amazon?
Replies: 25
Views: 1752

Re: Buy a Bosch dishwasher on Amazon?

Some of the model differences are how the handle is placed on the outside (recessed or not) as well as the interior. This was our second Bosch (needed one for our new house) and we went with this one SHP65T55UC I'd recommend Lowe's or Best Buy (Best Buy will price match). Go by and see what they hav...
by fabdog
Sun Dec 13, 2015 5:34 pm
Forum: Personal Consumer Issues
Topic: Need recommendations for 4WD/AWD vehicle
Replies: 56
Views: 3804

Re: Need recommendations for 4WD/AWD vehicle

I have a Volvo XC60 with AWD. Great ground clearance, and it got me out of my driveway and out to the main roads many mornings when the plows hadn't arrived. All the scheduled maintenance was covered thru 60K miles and they even covered brakes when those needed work. It's been a good car As others n...
by fabdog
Sun Dec 13, 2015 5:18 pm
Forum: Personal Consumer Issues
Topic: Need recommendations for 4WD/AWD vehicle
Replies: 56
Views: 3804

Re: Need recommendations for 4WD/AWD vehicle

I have a Volvo XC60 with AWD. Great ground clearance, and it got me out of my driveway and out to the main roads many mornings when the plows hadn't arrived. All the scheduled maintenance was covered thru 60K miles and they even covered brakes when those needed work. It's been a good car As others n...
by fabdog
Thu Dec 10, 2015 8:11 pm
Forum: Investing - Theory, News & General
Topic: [Third Avenue liquidates its high-yield bond fund]
Replies: 130
Views: 7990

Re: Mutual fund stops redemptions - now in liquidation

This is wildly contagious and I predict at a minimum all other 3rd Ave funds are done.


I'd be interested in your thoughts on why this liquidation of the high yield fund where they were into very illiquid bonds would transfers into the other funds they have which hold stocks?

Mike
by fabdog
Thu Dec 10, 2015 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Investment option for Cash - an Annuity?
Replies: 5
Views: 460

Re: HSA Investment option for Cash - an Annuity?

the name is unfortunate. Let us know if you get a prospectus but it certainly sounds like the "stable" funds in 401K's (which it references) the fund in my 401K (and SERP plan for deferred comp) is called the stable value option. There are no withdrawal fees, but I expect in a big crunch l...
by fabdog
Mon Dec 07, 2015 9:42 am
Forum: Personal Consumer Issues
Topic: exterior timer for Christmas lights
Replies: 10
Views: 587

Re: exterior timer for Christmas lights

We have used this for several years... it's easy to set up, and you control the time(s) for on/off in 15 minute intervals. Has two outlets which helps in my setup

http://www.amazon.com/GE-24-Hour-Outdoo ... B0032UDDRM

Mike
by fabdog
Mon Dec 07, 2015 9:39 am
Forum: Personal Consumer Issues
Topic: Just on The Great Courses
Replies: 14
Views: 1041

Re: Just on The Great Courses

One has to wait for the sales as the list prices of these courses are often forbidding. But the quality so far has been high. Our local library has a large collection of the Great Courses available for checkout. I can't say if they have everyone, but you may want to check to see if your local libra...
by fabdog
Wed Dec 02, 2015 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Tax prep software, 4 user license
Replies: 15
Views: 1027

Re: Tax prep software, 4 user license

Actually, with turbo tax (not as familiar with the others) you can efile up to 5 federal returns for free. You have to pay for state efiles, so printing and mailing works for that

Mike
by fabdog
Mon Nov 30, 2015 3:21 pm
Forum: Personal Consumer Issues
Topic: Turbo Tax Deluxe status w/ schedules
Replies: 15
Views: 1553

Re: Turbo Tax Deluxe status w/ schedules

1. Will Deluxe allow one to download from vendor's the 1099-B forms, so that one does not have to type the information in? Yes, it offered that up first, but since none of my 1099's are ready I went for Manual Entry. 2. When you wrote "manually entered", was that in the EasyStep or in the ...
by fabdog
Mon Nov 30, 2015 2:29 pm
Forum: Personal Consumer Issues
Topic: Turbo Tax Deluxe status w/ schedules
Replies: 15
Views: 1553

Re: Turbo Tax Deluxe status w/ schedules

Intuit sent an email earlier this year indicating they had strong customer feedback about last years change and were going back to the previous setup. I have downloaded my TT Deluxe for 2015. I went into the software and manually entered a capital gainstransaction which the software handled (it did ...
by fabdog
Sun Nov 08, 2015 10:22 am
Forum: Personal Finance (Not Investing)
Topic: a new analogy
Replies: 4
Views: 739

Re: a new analogy

You're right, it's amazing to sit and watch them have at it. I won't be buying any of that, and hopefully my questions planted some seeds among some of the other folks there to ask a few more questions.

I have managed to avoid the time share pitches :D

Mike
by fabdog
Thu Oct 29, 2015 11:39 am
Forum: Personal Finance (Not Investing)
Topic: a new analogy
Replies: 4
Views: 739

a new analogy

Always interesting to hear a new spin from someone trying to make annuities look good. Our local continuing ed association had a session on "understanding annuities" so I went by to see how it would get pitched. Started positive, person represented themselves as fee only planner, went thru...
by fabdog
Wed Oct 21, 2015 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Chase no longer works with Quicken?
Replies: 19
Views: 5566

Re: Chase no longer works with Quicken?

I had a similar issue a couple of months back where all my credit card downloads stopped working. With Chase, I searched online and found references to something called direct connect that you need to activate. You can call them to activate it but I recall doing mine online. I believe it was under c...
by fabdog
Sun Oct 18, 2015 3:59 pm
Forum: Investing - Theory, News & General
Topic: What did you learn at Bogleheads 15
Replies: 37
Views: 4513

Re: What did you learn at Bogleheads 15

I thought the Gus Sauter presentation on thinking about future market returns was excellent and a nice walk thru recent history. His walk thru demographics and how that helps explain some of the current economic issues around spending, growth, and household wealth was well done. He put existing data...
by fabdog
Sun Oct 04, 2015 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Indexed Deferred Income Annuities
Replies: 7
Views: 525

Re: Indexed Deferred Income Annuities

The deferred income annuity that is referenced, I believe, is the type that someone would buy at one age, and then have the income stream kick in at 85 or so. There has been a lot of publicity as recently the rules have changed so you can buy them with 401K money. They are not as complex as the vari...
by fabdog
Mon Aug 17, 2015 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Funding our living trusts?
Replies: 16
Views: 1439

Re: Funding our living trusts?

We had a similar situation when we lived in Massachusetts, with each of us having a separate trust that assets could go to at death to address the MA $1 million estate limit. These trusts were not funded. However, we also had created a living revocable trust to hold our current assets vs the approac...
by fabdog
Mon Apr 20, 2015 4:52 pm
Forum: Personal Consumer Issues
Topic: Neighbor is hoarder, piling garbage outside, collecting vans
Replies: 32
Views: 5528

Re: Neighbor is hoarder, piling garbage outside, collecting

Best bet is the homeowners association if that exists for your neighborhood. Failing that, or in conjunction, what are the ordinances for your city? they should have an online form you can use to file a complaint

Mike
by fabdog
Wed Apr 15, 2015 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Accelerated RSU vesting, FICA taxes
Replies: 4
Views: 783

Re: Accelerated RSU vesting, FICA taxes

I was introduced to this pleasant quirk in the rules last year. The age at which it applies is when, based on your company's policy, you would no longer be "at risk" of losing the RSU's if you left. In my particular case, our company policy is you are "retirement eligible" when a...
by fabdog
Wed Apr 08, 2015 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: making the switch to Ally Bank
Replies: 51
Views: 5809

Re: making the switch to Ally Bank

Was in exactly the same space with Wells Fargo. the "enhanced rate" on the money market with PMA at .1% is just not competitive. So set up the online savings with Ally, very painless, and no issues so far. No same day funds movement but hasn't been a cash flow issue at all

Mike
by fabdog
Wed Feb 11, 2015 9:02 am
Forum: Personal Finance (Not Investing)
Topic: OT - I Bond Registration Question
Replies: 4
Views: 1143

Re: OT - I Bond Registration Question

I recently opened a trust and registered it on treasury direct. Can I just goto my individual treasury account and use "transfer securities" link to move the ibonds from my individual account to trust account. When I do that I get a prompt to to fill the form 5511 Not sure how it is diffe...
by fabdog
Wed Feb 04, 2015 12:18 pm
Forum: Investing - Theory, News & General
Topic: Why no talk about investing in Timber?
Replies: 14
Views: 1560

Re: Why no talk about investing in Timber?

other ways to play are publicly traded Plum Creek Timber (PCL) and Pope Resources (POPE)

Pope is a partnership and thin trading volume, a small well run company.

PCL is larger and has structured as a REIT

Mike
by fabdog
Tue Jan 27, 2015 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Do you respond to recruiters contacting you?
Replies: 27
Views: 2421

Re: Do you respond to recruiters contacting you?

It's always interesting to see what's out there. I get a lot of these where there is no obvious fit and I don't know anyone who would be interested, but there have been a few that were interesting and we actually got into discussions, even though in the end I stayed put. In one case I was contacted ...
by fabdog
Mon Dec 29, 2014 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Bucket question
Replies: 23
Views: 2592

Re: Bucket question

Fabdog, what is your intended withdrawal from the total portfolio? what is your asset allocation? How much in taxable accounts? Paul Thanks again for all the thoughtful answers. to answer the specific questions above I don't intend to take any distributions from the rest of the portfolio, so I just...
by fabdog
Sat Dec 27, 2014 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Bucket question
Replies: 23
Views: 2592

Re: Bucket question

Thanks for the quick responses. A couple of things I should have been more clear on rather than assuming the deferred comp plan can be invested in a wide range of funds, and even after distribution begins, those gains/losses would be credited to the account. So in year 1, I get 10% of the balance......
by fabdog
Sat Dec 27, 2014 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Bucket question
Replies: 23
Views: 2592

Bucket question

I will be retiring next year at age 56. I have a nice portfolio ~$5 million, with an asset allocation I am comfortable with and low cost funds. My question is how to treat my deferred compensation plan. It has ~$750K in it, and when I retire, will be paid out over the course of the next 10 years. Th...
by fabdog
Sun Dec 14, 2014 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: VSEAX JPMorgan Small Cap?
Replies: 3
Views: 302

Re: VSEAX JPMorgan Small Cap?

end of year distributions. $4.86/share... so NAV went down but you should have more shares

Mike
by fabdog
Mon Jul 21, 2014 6:25 pm
Forum: Personal Consumer Issues
Topic: What about the 2015 Volvo XC60?
Replies: 6
Views: 1004

Re: What about the 2015 Volvo XC60?

I have a 2011 Volvo XC60. Bought it when I lived in MA for the AWD and ground clearance, and reliability. Have been very happy with it, even though I've moved out of the snow belt, and still driving it. Have ~50K miles on it with no issues

Mike
by fabdog
Thu Apr 24, 2014 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Tell Me I'm Stupid To Consider Quitting My Job and Moving
Replies: 157
Views: 38792

Re: Tell Me I'm Stupid To Consider Quitting My Job and Movin

I was overseas for 7 years in 3 countries. It was quite a change coming back to the US as we landed in a different location than the one we left (and didn't like the location at all). My advice would be to stick it out for the year, take some vacation, and make plans to transition next year. You may...
by fabdog
Sun Apr 13, 2014 9:47 am
Forum: Investing - Help with Personal Investments
Topic: How Are Catch Up Contributions Made?
Replies: 15
Views: 2051

Re: How Are Catch Up Contributions Made?

in my 401K, there is a separate contribution amount for the catch ups... and they don't start taking it out until you have hit the $17.5K So check your plan, but as you noted, you have to hit the max standard contribution before it kicks in. you can have a large, smaller, or identical withdrawal per...
by fabdog
Mon Aug 26, 2013 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Medallion Signature Guarantee
Replies: 41
Views: 6431

Re: Medallion Signature Guarantee

as a previous poster mentioned... get them to sign you up for the "my voice is my password" program. I wasn't aware they had this service till I needed Medallion to change account registration. my credit union wouldn't do it (too much money). When I called Vanguard back and said I guessed ...
by fabdog
Fri Mar 15, 2013 12:46 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Quicken
Replies: 41
Views: 29645

Re: Alternatives to Quicken

I run the Apple provided bootcamp software on my Mac... you need a windows license to go with it... but then you boot up in Windows when you need it, otherwise into Mac

this has been a great solution for me

Mike
by fabdog
Tue Mar 05, 2013 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: 2012 Backdoor Roth Turbo Tax issues
Replies: 2
Views: 375

Re: 2012 Backdoor Roth Turbo Tax issues

you can use the interview... first do the non deductible IRA... then tell it you did the Roth conversion.

that should settle it out

Mike
by fabdog
Tue Jan 29, 2013 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Which 529 plan?
Replies: 22
Views: 2641

Re: Which 529 plan?

For our grandson we started in the Utah plan until we got to $3K, then moved to the NV plan. Utah has no minimum and all Vanguard funds but does charge a small administrative fee on assets, and there is a separate fee for maintenance which can be avoided by getting statements online

Mike

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