Search found 771 matches

by zaplunken
Fri Nov 25, 2016 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Are cap gains taxed on tax free muni bonds when sold in a taxable accout?
Replies: 8
Views: 543

Re: Are cap gains taxed on tax free muni bonds when sold in a taxable accout?

Thanks. I never considered the fund selling a bond and declaring a cap gain. Tax free isn't really all that tax free, sorta kinda somewhat tax free. :shock:
by zaplunken
Fri Nov 25, 2016 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Are cap gains taxed on tax free muni bonds when sold in a taxable accout?
Replies: 8
Views: 543

Re: Are cap gains taxed on tax free muni bonds when sold in a taxable accout?

Thanks. I am surprised. So these are good to shelter current income they produce but if or when you sell them then you may have a tax liability and if they grew over say a decade it may be a lot. I thought TFMB were to avoid taxes, all taxes, but I guess not.
by zaplunken
Fri Nov 25, 2016 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Are cap gains taxed on tax free muni bonds when sold in a taxable accout?
Replies: 8
Views: 543

Are cap gains taxed on tax free muni bonds when sold in a taxable accout?

Just curious. Say I held a tax free muni bond fund in a taxable account which is probably where they should be held but anyway. The interest they generate monthly or quarterly is tax free. When I sell them say they have a cap gain of $100 or $1,000 or $100,000. Is that cap gain also a tax free event...
by zaplunken
Tue Nov 01, 2016 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Will doing this hurt my FICO score?
Replies: 25
Views: 1848

Re: Will doing this hurt my FICO score?

Again thank you for your insights. I guess I had the FICO score way over blown but I do remember Amica telling me my score was excellent whenever I spoke to them so I just assumed it was the FICO and it was important. I didn't think I'd drop to the 600's but rather go back to 732 or 752, whichever i...
by zaplunken
Mon Oct 31, 2016 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Will doing this hurt my FICO score?
Replies: 25
Views: 1848

Re: Will doing this hurt my FICO score?

Interesting I thought the insurance companies checked your score when renewal came up in addition to a new customer.
by zaplunken
Mon Oct 31, 2016 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Will doing this hurt my FICO score?
Replies: 25
Views: 1848

Re: Will doing this hurt my FICO score?

There are things that are tied to your credit score for example insurance premiums, good FICO better rate, poor score you pay more.
by zaplunken
Sun Oct 30, 2016 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Will doing this hurt my FICO score?
Replies: 25
Views: 1848

Re: Will doing this hurt my FICO score?

Thank you folks, appreciate the info. I'll just forget the new card, my credit report is frozen at all 3 bureaus so that was a concern as to what one to unlock for them to approve a new card assuming that would be required and some require a fee in my state.
by zaplunken
Sun Oct 30, 2016 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Will doing this hurt my FICO score?
Replies: 25
Views: 1848

Re: Will doing this hurt my FICO score?

Geologist wrote:If you have the cash on hand, couldn't you write a check and then not use the credit cards at all?

WHAT! And forego 1.5% cash back on a $3k or $4k purchase! :wink: That's all the more reason to charge it. :beer
by zaplunken
Sun Oct 30, 2016 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Will doing this hurt my FICO score?
Replies: 25
Views: 1848

Re: Will doing this hurt my FICO score?

Paying it off before the statement is sent might be a problem as I have them pull my monthly payment from my checking account. So if they said my balance was $3k and I paid $2k I'm not sure they'd pull just $1k. I have had the $10k card since 11/2006 and the $5k card since 8/2014, never late on any ...
by zaplunken
Sun Oct 30, 2016 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Will doing this hurt my FICO score?
Replies: 25
Views: 1848

Will doing this hurt my FICO score?

The purpose of considering this is to protect/preserve my FICO score of 815 to 821 depending upon which place I check it but would charging 1 purchase across 3 credit cards actually hurt my FICO score? I'm now being forced into a Medicare Advantage plan for 2017 with a Tier 5 drug and the drug cover...
by zaplunken
Tue Oct 18, 2016 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting, sell when up or wait for it to go down?
Replies: 13
Views: 770

Re: Tax loss harvesting, sell when up or wait for it to go down?

The HEDJ cap gains were (is the correct term) non qualified. A small amount was not taxed but a large amount was taxed, maybe at 15%? All I know is I had to cough up $636 vs getting back maybe $50 or $100. Do you mean they were short term gains (<1 yr) so they were taxed at your marginal bracket? I...
by zaplunken
Tue Oct 18, 2016 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting, sell when up or wait for it to go down?
Replies: 13
Views: 770

Re: Tax loss harvesting, sell when up or wait for it to go down?

Do you get any benefit from having losses to cancel realized gains? 19% of SS taxable sounds like you might be in the nominal 15% tax bracket where long term capital gains would not be taxed anyway? Will that be the case this year? JW Sorry I really didn't answer you. Yes I'm in the 15% bracket in ...
by zaplunken
Tue Oct 18, 2016 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting, sell when up or wait for it to go down?
Replies: 13
Views: 770

Re: Tax loss harvesting, sell when up or wait for it to go down?

The HEDJ cap gains were (is the correct term) non qualified. A small amount was not taxed but a large amount was taxed, maybe at 15%? All I know is I had to cough up $636 vs getting back maybe $50 or $100. That was a shock. I had a taxable account back in the 2005 time frame and watched that go from...
by zaplunken
Tue Oct 18, 2016 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting, sell when up or wait for it to go down?
Replies: 13
Views: 770

Re: Tax loss harvesting, sell when up or wait for it to go down?

It is much better to have a gain (or less of a loss) on an investment than to have a loss, even if you can deduct that loss against your taxes. If you make $100 and pay 20% in taxes on the gain, you end up $80 ahead of where you started. If you lose $100 and get to write off the loss at a 20% tax r...
by zaplunken
Tue Oct 18, 2016 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting, sell when up or wait for it to go down?
Replies: 13
Views: 770

Tax loss harvesting, sell when up or wait for it to go down?

Here's what I am asking. In April 2015 I put $15k into Vanguard Developed Markets MF and $15k into Wisdom Tree Europe Hedged (HEDJ) ETF in my Vanguard taxable account. As of 10/15/16 each one is down $1,200 but on 2/16/16 the Dev Mkt fund was down $2,700 and HEDJ ETF was down $2,900. HEDJ generated ...
by zaplunken
Mon Sep 05, 2016 5:00 pm
Forum: Personal Consumer Issues
Topic: Recommend Ad Blockers
Replies: 56
Views: 4190

Re: Recommend Ad Blockers

I use AdBlock Plus on Firefox. I don't see anything annoying. Some sites have stuff moving and changing not ads as much as content off to the side or the top. If it is bad I click on the Enter Reader View icon at the far right in the address bar just before the Refresh icon. Not sure how I got this,...
by zaplunken
Sun Aug 28, 2016 3:08 pm
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 72
Views: 5093

Re: Passwords

When you highlight an entry in KeePass, right-click on it. In the drop-down menu "Perform Auto-type" is the fourth item. Click on it and you should be cooking. (It seems that Ctr + V should do the same as well, but I have never done it that way.) Note that you may have to click on the &qu...
by zaplunken
Sun Aug 28, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 72
Views: 5093

Re: Passwords

I can recommend Keepas. It's free and has worked well for me. I just click on "open website" and then "autotype" to inject the username and password. What is Auto Type? I looked at all the menus without success, I read about it but I don't understand how to use it. I tried to op...
by zaplunken
Tue Aug 23, 2016 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 14349

Re: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]

hcj wrote:I just logged in and it says I have to change my password every six months. Was that always the case or is this new? What a PITA.

Been like that for at least 4 years. Medicare is worse, try every 45 days! :oops:
by zaplunken
Tue Aug 16, 2016 9:41 am
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 14349

Re: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]

“Unfortunately, not all of America's seniors have cell phones that are capable of receiving text messages and we are concerned that the new authentication requirement will remain that millions of American will find themselves cut off from this convenient avenue of service delivery,” Mr. Richtman sa...
by zaplunken
Sun Aug 14, 2016 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover IRA to Roth conversion, how to pay tax and have 100% of it go to my Roth?
Replies: 30
Views: 2056

Re: Rollover IRA to Roth conversion, how to pay tax and have 100% of it go to my Roth?

1. Vanguard will not withhold taxes unless you tell them to withhold taxes, so don't tell them to withhold taxes. 2. Make a tax payment separately. I used the IRS DirectPay online feature to pay directly from my checking account by ACH transfer. You can pay anytime, but should pay by certain deadli...
by zaplunken
Sun Aug 14, 2016 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover IRA to Roth conversion, how to pay tax and have 100% of it go to my Roth?
Replies: 30
Views: 2056

Re: Rollover IRA to Roth conversion, how to pay tax and have 100% of it go to my Roth?

Thank you, this seems pretty easy. I will find out Wednesday whether it is in my best interest to do this or just wait. I know taxes are due whether over the next 5 years or starting in 2021. The questions are does it make sense to do the conversions because it will save me in taxes by drawing down ...
by zaplunken
Sun Aug 14, 2016 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover IRA to Roth conversion, how to pay tax and have 100% of it go to my Roth?
Replies: 30
Views: 2056

Rollover IRA to Roth conversion, how to pay tax and have 100% of it go to my Roth?

I don't understand how this works. My goal is to reduce my RMDs in 5 years. Say I take a distribution (and stay in the 15% tax bracket not that this should matter) from my Vanguard Rollover IRA and want to do a Roth conversion putting 100% of the distribution into my Vanguard Roth account. I have th...
by zaplunken
Sat Aug 06, 2016 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 14349

Re: SSA MANDATORY cell phone based multifactor authentication

Took 60 Seconds to have text sent. Good To Go. I like the new security feature :sharebeer It's not a security feature, since it adds no security. This is what I am wondering. I have not added 2FA to my Vanguard login but now that I have a Google Voice number I guess I could. (No cell phone. Tried i...
by zaplunken
Tue Aug 02, 2016 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 14349

Re: SSA MANDATORY cell phone based multifactor authentication

So the process worked, sort of! I have to admit it was pretty simple but I did a lot of reading at Google Voice to try to sort out privacy, settings et al so it took some time. I just tried it at 9:36 and never got a security code so at 9:52 I asked for another and it never came either. I was monito...
by zaplunken
Tue Aug 02, 2016 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 14349

Re: SSA MANDATORY cell phone based multifactor authentication

zaplunken - Go to Settings (gear-wheel icon in upper right of Google Voice) to edit your options and substitute a different email account. GL I've tried that and that is what my prior post was describing/asking. I think you select an email account to receive emails and voice mails, I don't think yo...
by zaplunken
Tue Aug 02, 2016 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 14349

Re: SSA MANDATORY cell phone based multifactor authentication

Am I correct in assuming that email account can have a Google Voice feature (for lack of a better term) that will receive text messages? If yes then could those text messages be forwarded by Google to a different email account like Outlook.com which I use all day (was called Hotmail but they change...
by zaplunken
Tue Aug 02, 2016 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 14349

Re: SSA MANDATORY cell phone based multifactor authentication

I have a question or 2. I have a Google email account I use for YouTube and nothing else. Am I correct in assuming that email account can have a Google Voice feature (for lack of a better term) that will receive text messages? If yes then could those text messages be forwarded by Google to a differe...
by zaplunken
Mon Aug 01, 2016 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 14349

Re: SSA MANDATORY cell phone based multifactor authentication

This is insane! I use Vanguard's 2FA by receiving a call to my landline cuz I don't have a cell phone so I can't get a text, SSA should do the same. My only hope would be a Google phone but I have no idea how to do that. I am receiving SS and it's direct deposit, why do I need to communicate with th...
by zaplunken
Sat Jul 23, 2016 11:37 am
Forum: Personal Consumer Issues
Topic: Good Deal on a Pocket Pistol
Replies: 124
Views: 11065

Re: Good Deal on a Pocket Pistol

There were issues with the CXP-1, the CXP-2 is a much better gun. This pistol is not designed for +P rounds, the OP didn't say he was shooting SP or +P but if it was +P I doubt he'd admit he made a near fatal mistake. It is an interesting discussion and I have read tons of these Ford vs Chevy or Sig...
by zaplunken
Fri Jul 22, 2016 9:01 pm
Forum: Personal Consumer Issues
Topic: Good Deal on a Pocket Pistol
Replies: 124
Views: 11065

Re: Good Deal on a Pocket Pistol

Boy everyone wants/loves a .380 Auto. While I wouldn't want to be shot by even a .22, a .380 is marginally powerful and with heavier clothing in winter perhaps not even that. 9 mm is the smallest I'd consider for a self defense firearm or possibly a .38 Special with +P ammo. The pros with .380 are i...
by zaplunken
Fri Jul 22, 2016 7:59 pm
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 72
Views: 5093

Re: Passwords

I can recommend Keepas. It's free and has worked well for me. I just click on "open website" and then "autotype" to inject the username and password. That's nice, I have used KeePass for 3 or 4 years on a desktop pc. I was aware of the alt a to do this but most sites won't accep...
by zaplunken
Wed Jun 08, 2016 8:19 pm
Forum: Personal Consumer Issues
Topic: Bulk handgun ammo 9x18 mm
Replies: 23
Views: 2657

Re: Bulk handgun ammo 9x18 mm

Be wary of Freedom Munitions remanufactured. I had the same issues as a previous poster with 5.56. Had to resort to the "mortar method". Since you and batpot mentioned this, I recall a guy in a pistol course several days ago having multiple failures to fire with 9mm Freedom Munitions ammo...
by zaplunken
Tue Jun 07, 2016 8:03 pm
Forum: Personal Consumer Issues
Topic: Bulk handgun ammo 9x18 mm
Replies: 23
Views: 2657

Re: Bulk handgun ammo 9x18 mm

Targetsportsusa.com currently has 9MM Makarov at 26 cents a round. Right in line with the Buds price. I love Targetsports because on lot of bulk ammo the price is super cheap - AND - shipping is free. Makes it a no brainer sometimes. I shoot 40 S&W and can get it from them for 25 - 26 cents a r...
by zaplunken
Sun Jun 05, 2016 7:05 pm
Forum: Personal Consumer Issues
Topic: Gotham Steel Ceramic fry pan
Replies: 17
Views: 2099

Re: Gotham Steel Ceramic fry pan

I have a Revereware fry pan that I burned oil in a few years sgo and I can't remove 1 speck of it so steel copper bottom pans are not always easy or possible to clean. Burned oil can be quite tough, sculptors use it to give permanent black patinas to metal sculptures. Steel wool will remove it. -- ...
by zaplunken
Sun Jun 05, 2016 8:03 am
Forum: Personal Consumer Issues
Topic: Gotham Steel Ceramic fry pan
Replies: 17
Views: 2099

Re: Gotham Steel Ceramic fry pan

I just typed a reply and it never appeared. I have a Revereware fry pan that I burned oil in a few years sgo and I can't remove 1 speck of it so steel copper bottom pans are not always easy or possible to clean. I have an old (probably form the 30's) 9 or 10" cast iron pan but seldom use it. It...
by zaplunken
Fri Jun 03, 2016 10:03 am
Forum: Personal Consumer Issues
Topic: Gotham Steel Ceramic fry pan
Replies: 17
Views: 2099

Gotham Steel Ceramic fry pan

I did a search a couple of days ago and didn't really fun anything specific to the Gotham Steel (GS) ceramic titanium frying pan. I have watched the 30 minute infomercial on TV and read about it at the website and it looks like good alternative to Teflon. I checked Walmart and they have the 9 1/2&qu...
by zaplunken
Fri Feb 26, 2016 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Maybe this isn't tax efficient enough to be in a taxable account?
Replies: 8
Views: 609

Re: Maybe this isn't tax efficient enough to be in a taxable account?

Thanks, I am aware of the $3k yearly limit but the ability to keep using the loss year after year until it is used up. My taxes have always been very simple, the addition of a taxable account has muddied the waters. In 5 years RMDs will really muddy the waters!!!!! :D
by zaplunken
Fri Feb 26, 2016 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Maybe this isn't tax efficient enough to be in a taxable account?
Replies: 8
Views: 609

Re: Maybe this isn't tax efficient enough to be in a taxable account?

Ah I see so it does matter. So don't buy HEDJ until 30 days have passed that way I can use the loss against any taxable income. Thank you!
by zaplunken
Fri Feb 26, 2016 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Maybe this isn't tax efficient enough to be in a taxable account?
Replies: 8
Views: 609

Re: Maybe this isn't tax efficient enough to be in a taxable account?

Thank you Livesoft, I appreciate your feed back! That wash sale rule, I'd have fallen afoul of that for sure but since the losses in HEDJ can be applied to my pension then it shouldn't matter should it?
by zaplunken
Fri Feb 26, 2016 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Maybe this isn't tax efficient enough to be in a taxable account?
Replies: 8
Views: 609

Re: Maybe this isn't tax efficient enough to be in a taxable account?

Do not buy HEDJ (or anything) for a loss and buy it in an IRA unless you wait at least AFTER 30 days from the sale. Otherwise this would create a so-called wash sale and you would not be allowed to use the loss on your tax return. In your situation, I would have sold HEDJ for a loss in December 201...
by zaplunken
Fri Feb 26, 2016 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Maybe this isn't tax efficient enough to be in a taxable account?
Replies: 8
Views: 609

Maybe this isn't tax efficient enough to be in a taxable account?

This is the 1st time I had an account outside my 401k, rollover IRA or Roth so now I find myself dealing with taxable income and while I know cap gains and dividends are taxable this ETF may not be tax efficient enough to hold in a taxable account. I bought The Wisdom Tree Europe Hedged ETF (HEDJ) i...
by zaplunken
Mon Feb 15, 2016 4:24 pm
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 159
Views: 15875

Re: Guns for hunting/defense

What about me? Wrist/hand impairment makes 9mm semi-auto pistol (the Glock I craved) impossible. But the 5-shot revolver worries me if I get in a situation where I have to fire all 5 and re-load. For someone like me who lacks manual dexterity to work the slide on 9mm semi, what would be the next be...
by zaplunken
Mon Feb 15, 2016 4:07 pm
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 159
Views: 15875

Re: Guns for hunting/defense

The vast majority of threads here are of no interest to me (though I may read some of them) and therefore I don't go into them and ask why would anyone want to do X or buy X or go to X etc. Why is it some people have to come to firearms threads and post their dislike of firearms? No one forces you t...
by zaplunken
Sun Jan 17, 2016 7:51 pm
Forum: Personal Consumer Issues
Topic: safe inexpensive secure password site
Replies: 31
Views: 2582

Re: safe inexpensive secure password site

Not only would I not store passwords in the cloud I don't keep my password safe on my c drive. My KeePass safe is on a thumb drive and I have it on 2 other thumb drives for backup cuz 2 is 1 and 1 is none so I have 3. :D
by zaplunken
Sat Jan 02, 2016 3:24 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri's Blog
Replies: 10
Views: 2595

Re: Rick Ferri looking to internationalize his portfolio

I do not mean to hijack this thread, I was directed to this when I created a new thread asking what happened to Rick's blog. I read through the last dozen or so posts but it is not clear to me if Rick has a blog anymore. Can someone tell me if Rick still has a blog at a new place and if so what's th...
by zaplunken
Sat Jan 02, 2016 2:55 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri's Blog
Replies: 10
Views: 2595

Re: Rick Ferri's Blog

Thank you I'll check that out.
by zaplunken
Sat Jan 02, 2016 2:38 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri's Blog
Replies: 10
Views: 2595

Rick Ferri's Blog

I have Rick's blog as an RSS feed and there has been nothing new for many weeks. Now I'm get this message " This feed from feeds.feedburner.com couldn't be loaded right now. You can try again, but if it still does not work you may wish to remove this feed. " instead of any older posts that...
by zaplunken
Tue Jul 28, 2015 1:54 pm
Forum: Personal Consumer Issues
Topic: Gardening 2015 pt 2
Replies: 48
Views: 6493

Re: Gardening 2015 pt 2

My seed garlic last fall was rather small and it produced rather small garlic. My plan this year is to use some of the larger garlic, but purchase from a garlic producer for some really good stuff. I did plant the "on sale" plants...about 75 onion transplants, 4 kolorabi, 4 cauliflower, a...
by zaplunken
Sun Jul 12, 2015 2:44 pm
Forum: Personal Consumer Issues
Topic: What antivirus software?
Replies: 47
Views: 4674

Re: What antivirus software?

My ISP does offer free AV software (Charter) but I don't know what it is. I have to believe that you get what you pay for so free, while good, may not be as robust as what you pay for.

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