Search found 1324 matches

by island
Sun May 01, 2016 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: In-Law's Sketchy Investment Advice
Replies: 13
Views: 1212

Re: In-Law's Sketchy Investment Advice

What the heck? What happened to the original post?
by island
Sun May 01, 2016 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: In-Law's Sketchy Investment Advice
Replies: 13
Views: 1212

Re: In-Law's Sketchy Investment Advice

Some type of flow thru limited partnership deal perhaps? Did they buy it from a financial advisor? Private non traded REIT and oil gas investments with guaranteed returns are some of the things we've been pitched in the past, but never gave it more than a skim because sounded too good to be true and...
by island
Sat Apr 30, 2016 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Want a new vehicle, but can't "justify" spending?
Replies: 36
Views: 3396

Re: Want a new vehicle, but can't "justify" spending?

If you can afford it, still live well within your means and it better suits your lifestyle and provide years of enjoyment, then go for it. Must every spend be "justified"? There are things I scrimp on and others I splurge for. Balance....and of course I still make sure I've worked every an...
by island
Tue Apr 26, 2016 8:25 pm
Forum: Personal Consumer Issues
Topic: BH Way of Landscaping?
Replies: 42
Views: 3286

Re: BH Way of Landscaping?

PlayingLife wrote:
Lol good luck with your dandelion crop....I have purple violets pouring in from the woods and it's made for some great macro photography.

I live in zone 6A!


I love violets and would cherish those intruders!
Please share one of your photos.
by island
Mon Apr 25, 2016 7:36 pm
Forum: Investing - Theory, News & General
Topic: Social Security loopholes closed
Replies: 19
Views: 2479

Re: Social Security loopholes closed

abuss368 wrote:
sunspotzsz wrote:they are closing the backdoor roth as well


I did not hear this one. Do you have a source?

Yes, please do tell.
by island
Mon Apr 25, 2016 7:27 pm
Forum: Personal Consumer Issues
Topic: U. of Michigan, Indiana U. college visits
Replies: 21
Views: 1570

Re: U. of Michigan, Indiana U. college visits

Try tripadvisor.com or chowhound.com
by island
Mon Apr 25, 2016 1:22 am
Forum: Personal Finance (Not Investing)
Topic: Online pharmacies
Replies: 5
Views: 671

Re: Online pharmacies

Wow 3K month! I feel for you.
Have you tried blinkhealth.com ? Saw a piece on the news about it, but haven't used it myself.
Good luck.
by island
Sun Apr 24, 2016 2:23 pm
Forum: Personal Consumer Issues
Topic: Pop up ads driving me nuts! Please help
Replies: 33
Views: 1946

Re: Pop up ads driving me nuts! Please help

Thanks everyone for the info and taking the time to post. I downloaded and ran the free Malwarebytes scan and it didn't find anything. Windows Defender is on. I'm working thru some of the other suggestions and thanks to those who mentioned Edge not supporting extensions. I'Ve gotten messages about t...
by island
Sun Apr 24, 2016 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Company without 401k match. Should I even join them? High Salary
Replies: 19
Views: 1875

Re: Company without 401k match. Should I even join them? High Salary

I don't think plans can do it this way anymore. Another factor is the form of the match. My first employer matched up to 6% of salary. Sounds great, right? It wasn't. It was in the form of company stock which was like a dead fish. Over the 15 years I worked for that employer it was flat. And this w...
by island
Fri Apr 22, 2016 1:22 pm
Forum: Personal Consumer Issues
Topic: Pop up ads driving me nuts! Please help
Replies: 33
Views: 1946

Re: Pop up ads driving me nuts! Please help

Thanks for the chromebook info, but not interested in dumping my PC at this point, just trying to learn how to control the pop ups. Millions of others must be accomplishing it and I'd like in on that. An opportunity to learn something at least. :confused
Thanks.
by island
Fri Apr 22, 2016 12:28 pm
Forum: Personal Consumer Issues
Topic: Pop up ads driving me nuts! Please help
Replies: 33
Views: 1946

Pop up ads driving me nuts! Please help

Yes pop up ads on my computer and IPad are driving me nuts, especially the persistent Ad Choice ones! I have an HP Pavilion recently upgraded to Windows 10 and Edge. It actually works much better with the upgrade. Prior to that I was about to trash this fairly new computer because websites repeatedl...
by island
Sun Apr 17, 2016 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Goodbye College Loan!
Replies: 12
Views: 927

Re: Goodbye College Loan!

Yea!
Ahh yes I remember student loans, taking about 10 years to pay them off and how happy I felt the day I mailed my last payment.....I also felt old! Ha. :D

Seriously though, congrats!
by island
Sun Apr 17, 2016 5:34 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 526
Views: 57291

Re: Free Windows 10 Upgrade, Yes or No?

I love Windows 10! I was about to give up on my HP Pavillion computer that's only a few years old. Websites were slow to load, kept freezing, crashing, reloading. Last year kept freezing while using Turbo Tax. Control Alt Delete keys saw a lot of action. Had Windows 8 which I hated. The stupid tiles...
by island
Sun Apr 17, 2016 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Refund (Where Did It Go)
Replies: 21
Views: 1221

Re: Tax Refund (Where Did It Go)

Haven't gotten the checks yet, but due back about 4200 Fed, 850 State. No exotic plans and no debt other than paying off what's on credit card for the month. So will go to routine bills, savings or investments.
by island
Sun Apr 17, 2016 2:40 pm
Forum: Forum Issues and Administration
Topic: How about a buy/sell (personal goods) forum?
Replies: 27
Views: 2071

Re: How about a buy/sell forum?

I am not talking about buying/selling securities, funds, shares etc. I am talking about personal goods. For example, someone might be looking to buy or sell an iPhone on that forum. I took it the way you meant it, but so far I'm in the minority. I'd suggest updating your OP and thread title (adding...
by island
Fri Apr 15, 2016 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: [Tax filing mistakes made by your CPA (or yourself)]
Replies: 69
Views: 3978

Re: [Tax filing mistakes made by your CPA (or yourself)]

Most of mine are fat-finger mistakes. I do a hundred or so returns per year so I find it better to let my return "age" for a while and go back to it after the season is well past. Then I fix anything, have my spouse check my work and file it in late summer/early fall. You mean file a late...
by island
Fri Apr 15, 2016 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: SWAN: Using absolute dollar amount instead of percentage to manage risk
Replies: 27
Views: 2195

Re: SWAN: Using absolute dollar amount instead of percentage to manage risk

Also what is it about this method that makes it easier to sleep at night? I'm always up for more of that feeling! :happy Thanks I assume anything invested in equities can lose 40% in value, admittedly an arbitrary number , so if my maximum invested in equities is $500,000 I figure the maximum I can...
by island
Fri Apr 15, 2016 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: [Tax filing mistakes made by your CPA (or yourself)]
Replies: 69
Views: 3978

Re: How often does your CPA screw up your taxes?

I hired a CPA as I had some rentals in Johannesburg. What a pain to files two different sets of returns with different tax structures. I sold the rentals. Since then I got lazy and let my CPA do my taxes. As I'm close to retiring, I decided to do my taxes manually to see what I was doing. I also bo...
by island
Fri Apr 15, 2016 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: SWAN: Using absolute dollar amount instead of percentage to manage risk
Replies: 27
Views: 2195

Re: SWAN: Using absolute dollar amount instead of percentage to manage risk

Also what is it about this method that makes it easier to sleep at night? I'm always up for more of that feeling! :happy Thanks I assume anything invested in equities can lose 40% in value, admittedly an arbitrary number , so if my maximum invested in equities is $500,000 I figure the maximum I can...
by island
Fri Apr 15, 2016 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: SWAN: Using absolute dollar amount instead of percentage to manage risk
Replies: 27
Views: 2195

Re: SWAN: Using absolute dollar amount instead of percentage to manage risk

Can you please share how you determine what your absolute dollar amount should be, the factors, "rules", and secret sauce that goes into your recipe?
Also what is it about this method that makes it easier to sleep at night? I'm always up for more of that feeling! :happy

Thanks
by island
Fri Apr 15, 2016 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: [Tax filing mistakes made by your CPA (or yourself)]
Replies: 69
Views: 3978

Re: How often does your CPA screw up your taxes?

Interesting thread. My tax situation is fairly simple so have never used a tax pro and most people I know that do seem to be in the just sign and file camp. What type of tax software do the tax pros use, something more exotic than what's available to us average schmos? For those of you who use a tax...
by island
Thu Apr 14, 2016 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Am I saving too much cash?
Replies: 21
Views: 2131

Re: Am I saving too much cash?

Another one here wondering why you partially financed the car?
Don't Bogart the cash; pay off the car! :twisted:
by island
Mon Apr 11, 2016 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Schedule D. Turbo Tax Deluxe or Premier?
Replies: 4
Views: 532

Re: Schedule D. Turbo Tax Deluxe or Premier?

Thanks. Yes did the upgrade. Thanks for the replies.
by island
Sun Apr 10, 2016 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule D. Turbo Tax Deluxe or Premier?
Replies: 4
Views: 532

Schedule D. Turbo Tax Deluxe or Premier?

I'm doing my 2015 taxes with Turbo Tax online version, started with Deluxe. 2015 was the first year I ever sold any of my investments, a small portion of Vanguard funds in our joint taxable account for first TLH, so it's first time I'm using the forms, schedules and portion of Turbo Tax that's neces...
by island
Mon Mar 28, 2016 9:06 pm
Forum: Personal Consumer Issues
Topic: Low flow shower head?
Replies: 32
Views: 2286

Re: Low flow shower head?

HoopDiddyDiddy wrote:Replaced all of mine with units from http://www.highpressureshowerheads.com/ and have been thrilled.


Which ones did you use? Thanks.
by island
Sun Mar 27, 2016 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Your first $100k
Replies: 52
Views: 7819

Re: Your first $100k

Oh wow, no clue. Just maxed my 401k soon as was able and let it do it's thing. Didn't really pay much attention. That would be like watching grass grow and I was too busy living life. In 50's now and that strategy, or lack of it, has worked well.
by island
Sat Mar 26, 2016 3:50 pm
Forum: Personal Consumer Issues
Topic: Black formal shoes with sneaker like support
Replies: 56
Views: 4537

Re: Black formal shoes with sneaker like support

Not sure how formal you're talking or what you mean by sneaker like support, but my husband likes Mephisto. Most comfortable he's found when has to wear a suit, especially if traveling for a meeting and on his feet for hours.
by island
Sun Mar 20, 2016 5:48 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1559
Views: 317713

Re: What Movie Have You Recently Watched?

Whiskey Tango Foxtrot with Tina Fey. Enjoyed it.
by island
Sun Mar 20, 2016 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: RJF to Vanguard - Selling all my Mutual Funds
Replies: 15
Views: 1147

Re: RJF to Vanguard - Selling all my Mutual Funds

Wow, 2%. Is that because it's in a trust and /or settling an estate? Yes to trust, that doesn't seem to be the OP issue. I did have some commissions that were pretty steep at EJ when I pulled over a taxable inherited account last year so I was able to transfer in kind and then liquidate the funds i...
by island
Sun Mar 20, 2016 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: RJF to Vanguard - Selling all my Mutual Funds
Replies: 15
Views: 1147

Re: RJF to Vanguard - Selling all my Mutual Funds

I'm always curious when I read posts like this.. Why not sell the funds before you leave RJ and then start fresh by reinvesting thet money at Vanguard? Have you checked if there are fees to do so at RJ or Vanguard? Are you paying RJ an annual fee? Use caution about selling on RJ side. I've been wor...
by island
Sun Mar 20, 2016 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: RJF to Vanguard - Selling all my Mutual Funds
Replies: 15
Views: 1147

Re: RJF to Vanguard - Selling all my Mutual Funds

radiowave wrote:One more item to consider is cost basis when you bring over the funds. The consensus of the forum is use Specific ID (that will identify the date and costs of each group of purchases in each fund).


And if you reinvest dividends and cap gains, stop doing that.
by island
Sun Mar 20, 2016 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 9891

Re: Early Retirees - What triggered you to retire?

If you're wondering, no I do not like my job. Or I should say the job changed so much I can no longer tolerate it. Management has gone out of their way to make work difficult for me. However, I am good at the job and it does pay well. I'm just adding to the savings pile of which I already have more...
by island
Sun Mar 20, 2016 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: RJF to Vanguard - Selling all my Mutual Funds
Replies: 15
Views: 1147

Re: RJF to Vanguard - Selling all my Mutual Funds

I'm always curious when I read posts like this.. Why not sell the funds before you leave RJ and then start fresh by reinvesting thet money at Vanguard? Have you checked if there are fees to do so at RJ or Vanguard? Are you paying RJ an annual fee? The reason I ask is I have American Funds owned sinc...
by island
Sat Mar 12, 2016 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: New (bad) 401k. Need advice on funds and asset location
Replies: 25
Views: 2000

Re: New (bad) 401k. Need advice on funds and asset location

Where did the ER numbers come from? For instance I looked up (Morningstar and fund websites) the Washingtion Mutual RWMFX and the ER for this share category is .34, but your list it as .89. Fidelity Advisor Total Bond FEPIX is .50, but you list .85. I'm guessing the other funds have a padded expens...
by island
Sat Mar 12, 2016 11:50 am
Forum: Investing - Help with Personal Investments
Topic: New (bad) 401k. Need advice on funds and asset location
Replies: 25
Views: 2000

Re: New (bad) 401k. Need advice on funds and asset location

Where did the ER numbers come from? For instance I looked up (Morningstar and fund websites) the Washingtion Mutual RWMFX and the ER for this share category is .34, but your list it as .89. Fidelity Advisor Total Bond FEPIX is .50, but you list .85. I'm guessing the other funds have a padded expense...
by island
Sat Mar 12, 2016 11:17 am
Forum: Investing - Help with Personal Investments
Topic: I used to have a handle on things...
Replies: 6
Views: 1517

Re: I used to have a handle on things...

If you both have decent funds in your 401Ks why not roll the IRAs into the 401Ks for both of you? Do both plans allow that?
by island
Mon Mar 07, 2016 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: A Lost Engineer [Which masters program to pursue?]
Replies: 20
Views: 2735

Re: A Lost Engineer

Another avenue to make yourself more marketable is to pursue obtaining your Professional Engineer (P.E.) license. I have a BSEE and MSEE but my P.E. license has opened up the most opportunities for me! :sharebeer My brother would agree. BS and MS in civil engineering, another BS in business, but it...
by island
Sun Mar 06, 2016 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Any Turbo Tax Deluxe or Premum deals out there?
Replies: 20
Views: 1707

Re: Any Turbo Tax Deluxe or Premum deals out there?

There is a 50% off Federal deal on now. I bought online Premier for $27.49 and online State for $36.99 (total $64.48). It's a far cry from the $0.00 I used to pay but for now I divide $64.48 by the number of years I didn't have to pay and it's not so bad. Can you please tell me where you found that...
by island
Wed Mar 02, 2016 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer of ROTH IRA funds from Americanfunds to Vanguard
Replies: 6
Views: 373

Re: Transfer of ROTH IRA funds from Americanfunds to Vanguard

My Husband had an IRA at American Funds that was rolled over from an employer 401K. Several years later he rolled that AF IRA into his current 401K with Fidelity to clear the way to do annual backdoor Roths. I don't remember the details of how it got in there, but there was no fee to make the move f...
by island
Mon Feb 29, 2016 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: still getting paid by previous employer after leaving
Replies: 8
Views: 1654

Re: still getting paid by previous employer after leaving

Oh yes, phone calls (HR--voicemail) have been done too. Manager not really of help. I wanted to have a paper trail after that. Are you saying you contacted your manager and s/he did nothing? Mine would be sweating bullets about something like this! Crazy. Just curious, what field do you work in tha...
by island
Mon Feb 29, 2016 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: still getting paid by previous employer after leaving
Replies: 8
Views: 1654

Re: still getting paid by previous employer after leaving

Why not try a phone call ASAP to former manager and HR? That would have been the first thing I would have done soon as the check I didn't earn showed up.
by island
Sun Feb 28, 2016 8:54 pm
Forum: Personal Consumer Issues
Topic: Another frugality question
Replies: 35
Views: 4022

Re: Another frugality question

I buy the color, style, etc I want.
by island
Sun Feb 28, 2016 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: A real doozy - The folks at Vanguard couldn't answer...
Replies: 9
Views: 2856

Re: A real doozy - The folks at Vanguard couldn't answer...

if you have a good 401K, great! Roll the traditional IRA into that which will clear the way for doing backdoor ROTH conversions and max them both out. Keep your ROTH IRA where it is. My husband was in a similar situation a few years ago. Just heard about the Backdoor ROTH when we discovered this sit...
by island
Sun Feb 28, 2016 8:16 pm
Forum: Personal Consumer Issues
Topic: Seeking advice on neighbor issue
Replies: 36
Views: 3134

Re: Seeking advice on neighbor issue

I feel your pain. I have a neighbor on one side and like you only about 10' separates our homes and he too uses his side yard to store stuff or as a temporary dumping ground. Fortunately we're separated by a fence, but he's piled up things that were higher than the fence and that bugs me. Obviously ...
by island
Sun Feb 28, 2016 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Any Turbo Tax Deluxe or Premum deals out there?
Replies: 20
Views: 1707

Re: Any Turbo Tax Deluxe or Premum deals out there?

Thanks everyone! Will check out the Fidelity and PenFed options.
by island
Sun Feb 28, 2016 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Quit my job, help me verify this plan of action
Replies: 11
Views: 1662

Re: Quit my job, help me verify this plan of action

Why not leave the old 401K where it is? Then you won't be creating an IRA to get in the way of doing Backdoor Roth conversions when or if your income exceeds the limit for a traditional Roth. I don't know the income limit at the moment.
by island
Sat Feb 27, 2016 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Any Turbo Tax Deluxe or Premum deals out there?
Replies: 20
Views: 1707

Re: Any Turbo Tax Deluxe or Premum deals out there?

BigJohn wrote:I think you'll find your answer here https://www.bogleheads.org/forum/viewtopic.php?p=2703795


Wage thru 7 pages of moaning over the loss of the freebie? Hmmmm.
I'm hoping someone has a quick and current answer to my direct question. Thanks.
by island
Sat Feb 27, 2016 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Any Turbo Tax Deluxe or Premum deals out there?
Replies: 20
Views: 1707

Any Turbo Tax Deluxe or Premum deals out there?

I need Turbo Tax Deluxe (maybe Premium), the online version. Has anyone found a good price or discount for Fed and State? Got the Vanguard freebie past couple of years, but they no longer have that.
Thank you.
by island
Sat Feb 27, 2016 3:36 am
Forum: Personal Finance (Not Investing)
Topic: Citibank wants tax returns for a credit card???
Replies: 50
Views: 5952

Re: Citibank wants tax returns for a credit card???

Just got that card. No problems. No request for tax returns.
by island
Fri Feb 26, 2016 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Non-covered shares: Terrible customer service at Vanguard
Replies: 10
Views: 1345

Re: Non-covered shares: Terrible customer service at Vanguard

I am saying that confirmation has never been an issue that I have ever worried about. In the old days, my brokers would send a trade confirmation with the words "Versus Purchase MM/DD/YYYY" on it. I don't even look at trade confirmations anymore. Actually, I don't even look at statements,...

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