Search found 904 matches

by Artful Dodger
Wed May 20, 2020 2:02 pm
Forum: Personal Consumer Issues
Topic: Apple iPad vs Notebook
Replies: 43
Views: 1944

Re: Apple iPad vs Notebook

I decided I will definitely go the iPad route but have a question. When they advertise "Verizon cellular" how is that different that just using my hot spot on my cell to download/watch a movie or browse the net? Also, a poster mentioned Amazon, Prime, Netflix, etc to download videos, I'm assuming t...
by Artful Dodger
Fri May 15, 2020 3:29 pm
Forum: Personal Consumer Issues
Topic: Secrets to a great lawn
Replies: 65
Views: 5181

Re: Secrets to a great lawn

We have a lot of trees and end up with some bare spots and thin areas due to that. I’m with the others who say cut your lawn high. We have a lawn service but you could probably do just as well with Scott’s and fewer applications. I give credit to the two above reasons for our weed free lawn. I’ve le...
by Artful Dodger
Thu Apr 23, 2020 9:43 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 605
Views: 31520

Re: What are you listening to now

Right now it is music from Pink . Amazing performer, I've been to two of her concerts. Well worth seeing her live. Much better than paying for someone who lipsyncs. A DD bought me the tickets for both concerts. Most recent one the granddaughters attended. They are so spoiled! They have attended so ...
by Artful Dodger
Sat Apr 18, 2020 9:07 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 605
Views: 31520

Re: What are you listening to now

JAZZISCOOL wrote:
Sat Apr 18, 2020 4:12 pm
Joe Bonamassa, guitar with Beth Hart, vocals.

"Don't Explain"

Hart is a powerful vocalist. She reminds me of Janis Joplin sometimes.
I have "Don't Explain". Great album. Saw Beth on her own at the Pageant in St. Lous a couple of years ago. Great show.
by Artful Dodger
Fri Apr 17, 2020 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP and FSA question
Replies: 6
Views: 276

Re: HDHP and FSA question

Yes.

One caveat. You can’t contribute (nor your employer) to a health savings account if you’re covered under a full service medical FSA at the same time.
by Artful Dodger
Sun Apr 12, 2020 11:34 am
Forum: Personal Finance (Not Investing)
Topic: When to take social security
Replies: 24
Views: 1794

Re: When to take social security

I assume you already are retired. Is that correct? Can you withdraw from your bonds while the equities are depressed and stick to your original plan? If not retired I would think twice about retiring at a time such as this. Not retired yet but wanted to avoid asking the second question - which is w...
by Artful Dodger
Wed Apr 08, 2020 12:52 pm
Forum: Investing - Theory, News & General
Topic: Investment Gems from "The Little Book of Common Sense Investing - 10th Anniversary Edition" A Gem
Replies: 15
Views: 1442

Re: Investment Gems from "The Little Book of Common Sense Investing - 10th Anniversary Edition" A Gem

Thanks for posting. I read this book in early 2013, then switched to index funds that summer. I gave the new edition to my older daughter this past Christmas.
by Artful Dodger
Mon Apr 06, 2020 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: How have Donor Advised Funds held up so far?
Replies: 26
Views: 1222

Re: How have Donor Advised Funds held up so far?

I set up our DAF to allow me to make a large charitable contribution the year prior to the new tax law taking effect. I figured we would use the QCD when my wife turned 70 in a few years, and the DAF would be a bridge. It has all worked as planned. I'm probably 50% equity / 50% bond and cash, so loo...
by Artful Dodger
Sun Apr 05, 2020 4:32 pm
Forum: Personal Consumer Issues
Topic: Masterclass vs Great courses?
Replies: 5
Views: 1027

Re: Masterclass vs Great courses?

I'm considering the Masterclass program right now. I've seen a number of positive reviews, specifically on the writing courses. Steve Martin has a course on comedy, as well. The all access plan gives you a year of content, and right now thru April 12, they have a buy one membership for $180, get one...
by Artful Dodger
Sat Apr 04, 2020 8:32 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 605
Views: 31520

Re: What are you listening to now

Two albums from 1972...

War - The World is A Ghetto

Fleetwood Mac - before Buckingham and Nicks - Bare Trees
by Artful Dodger
Mon Mar 30, 2020 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: how much cash do you keep at home?
Replies: 130
Views: 8594

Re: how much cash do you keep at home?

Some foreign cash from recent trips, mostly Euros and Mexican pesos - maybe $200 total. Change in jars, that I collect, then take to the bank once they fill up - maybe $50 - $75 Cash I carry - $100 - $200 We used to have some 1 oz gold maple leafs - I cashed in about a year ago. I suppose in case of...
by Artful Dodger
Sun Mar 29, 2020 11:34 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5431
Views: 1349287

Re: What Movie Have You Recently Watched?

Getting our Apple TV set up, and added HBO Go last night. We were looking for a comedy and settled on "An Ideal Husband", the 1999 English film based on Oscar Wilde's play. Julienne Moore and Rupert Everett both picked up Golden Globe nominations. Very enjoyable with Wilde's witty repartee throughout.
by Artful Dodger
Sat Mar 28, 2020 10:11 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 267
Views: 15507

Re: So what are you cooking

Tonight- Salmon on the grill Grilled cabbage with olive oil, lemon, s&p Mixed vegetables (frozen broccoli, corn, peas, spinach, fresh onion & carrots) Mashed potatoes- the real thing - potatoes skin left on, boiled, mashed, mixed with butter, cream, a little vegetable stock. Tomorrow for breakfast -...
by Artful Dodger
Sat Mar 28, 2020 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Pay fed tax now - or July 15?
Replies: 47
Views: 4248

Re: Pay fed tax now - or July 15?

I have a similar concern as OP, but owe less, around $2500. According to turbo tax I have a $69 under withholding penalty if paid 4/15.

I'm wondering if the penalty will go up if I delay past 4/15. Does anyone know?
by Artful Dodger
Sat Mar 28, 2020 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Pay fed tax now - or July 15?
Replies: 47
Views: 4248

Re: Pay fed tax now - or July 15?

I have a quick question. I already filed my federal return, and registered with EFTPS. When scheduling my payment for July 15th, I am presented with a "Tax type" menu, as follows, but my payment is just the regular 2019 tax, not the ones below. Does anyone know which one will apply? Thank you. Esti...
by Artful Dodger
Fri Mar 27, 2020 2:08 pm
Forum: Investing - Theory, News & General
Topic: How to avoid temptation of Stock Picking during market crash
Replies: 48
Views: 2824

Re: How to avoid temptation of Stock Picking during market crash

My wife has some individual stocks, and will ask me at times to make some purchases for her. (I make trips to the grocery store as well.) I went ahead and bought some Boeing for my account last Monday at $96, sold a third of the position yesterday at $178. If you know of any ways to avoid the tempta...
by Artful Dodger
Fri Mar 27, 2020 1:14 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 605
Views: 31520

Re: What are you listening to now

"Fantasia on a Theme By Thomas Tallis", a composition by Ralph Vaughn Williams. Possibly the most beautiful piece of music on the earth. Agreed. The Lark Ascending is equally beautiful. Thanks to both of you... :) Listening to right now. Very moving. Fantasia on a Theme by Thomas Tallis / Oundjian ...
by Artful Dodger
Fri Mar 27, 2020 1:08 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 605
Views: 31520

Re: What are you listening to now

Elsie Parker & The Poor People of Paris - "Elle se Souvient" My wife likes to shop at a place called Cheryl's Herbs in Maplewood, a St. Louis suburb. For some reason, they have a rack of CDs for sale, and a while back I picked up this CD which is a French language jazz album performed by a local St....
by Artful Dodger
Fri Mar 27, 2020 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Seek Mental Health Help, Negative Consequences and Adverse Actions in future Personal Finance matters?
Replies: 30
Views: 2036

Re: Seek Mental Health Help, Negative Consequences and Adverse Actions in future Personal Finance matters?

If going to a mental health provider would cause problems you'd be able to find articles in the news about insurance rates going up for people seeking mental health. I strongly suspect there are no such articles. Unless you are imagining some sort of social change that causes such a problem in the ...
by Artful Dodger
Fri Mar 27, 2020 11:50 am
Forum: Personal Consumer Issues
Topic: Is it ever worth purchasing an extended warranty for a vehicle?
Replies: 119
Views: 7678

Re: Is it ever worth purchasing an extended warranty for a vehicle?

When we bought our 2003 Audi off the lease i ponied up for the extended warranty, and it more than paid off - probably double what we paid. One other useful thing I learned was dealer shop prices were negotiable. I learned this when the bill charge for some service was around $2200, but the warrenty...
by Artful Dodger
Wed Mar 25, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 605
Views: 31520

Re: What are you listening to now

bearcub wrote:
Mon Mar 23, 2020 4:19 pm
Strange Days by the doors 1967. Feels like it today for sure.
Always loved that album. It was probably one of my first "serious" rock album purchases I think in 8th grade around the same time as Traffic's Mr. Fantasy
by Artful Dodger
Wed Mar 25, 2020 12:02 pm
Forum: Personal Consumer Issues
Topic: Chewy pet food delivery
Replies: 26
Views: 1958

Re: Chewy pet food delivery

Their usual delivery speed amazes me. I can order late Saturday, and will get Monday, Tuesday at the latest. I got the same warning. I think our last order took four business days.
by Artful Dodger
Mon Mar 23, 2020 10:56 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1907
Views: 207261

Re: [What TV Show Have You Recently Watched?]

We had been in a no Amazon l no Hulu period due to our BlueRay player no longer streaming these services. Just got an Apple TV, so back to all services plus those on their Apple TV service. Have been binging the second season of Jack Ryan, first three episodes of Mrs Maisel season 3, first episode o...
by Artful Dodger
Fri Mar 20, 2020 1:30 pm
Forum: Personal Consumer Issues
Topic: What Happens To Your Battery When Your Car Is Parked For Weeks?
Replies: 90
Views: 4727

Re: What Happens To Your Battery When Your Car Is Parked For Weeks?

Just start your car every couple of weeks. You could drive it around the block and park it again. I think this is what I would do. We spent three weeks in January on vacation in Mexico. Car was parked outside at the airport in St. Louis, and temps ranged from the teens to low 50s. No problems whats...
by Artful Dodger
Tue Mar 17, 2020 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Is my accountant wrong?
Replies: 4
Views: 639

Re: Is my accountant wrong?

Disco21 wrote:
Tue Mar 17, 2020 12:35 pm
I showed him the IRS document and he agrees now. Thanks!
Maybe you should send him a bill for continuing education. :P
by Artful Dodger
Tue Mar 17, 2020 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Is my accountant wrong?
Replies: 4
Views: 639

Re: Is my accountant wrong?

Wouldn't your W-2 reflect the contribution? He should just be using the box 1 reported wages for your filing?

But, yes, I agree with you. Everything I've read indicates the ability to use both accounts to increase your tax savings.
by Artful Dodger
Mon Mar 16, 2020 3:31 pm
Forum: Investing - Theory, News & General
Topic: Where My 100% Equities Peeps At?!?
Replies: 211
Views: 20893

Re: Where My 100% Equities Peeps At?!?

Hmmm

Oddly quiet here 30 minutes after the close and a 13% drop in the DOW.

8-)
by Artful Dodger
Fri Mar 13, 2020 8:47 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 605
Views: 31520

Re: What are you listening to now

The market is swinging wild, corona virus has got us down, so listening to James Taylor' s 1993 live album.

Oh yah, sweet baby James. 😊
by Artful Dodger
Thu Mar 12, 2020 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Timing of SS claiming in a down market
Replies: 21
Views: 1649

Re: Timing of SS claiming in a down market

As the higher earner in a married couple I have been planning on taking SS at the age of 70. However if the market is still significantly down 18 months from now I might consider claiming at the age of 68 to allow my portfolio more time to heal. I would be interested in any comments re the pros and...
by Artful Dodger
Thu Mar 12, 2020 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Refinancing home with the car loan added or not?
Replies: 9
Views: 572

Re: Refinancing home with the car loan added or not?

My calculation came in a little less with a 3.25% loan for 30 years at $1132. A 15 year loan at the same rate came in at $1827. You would likely get a lower rate with the 15, and you're still about at the same payment as you have now for your current loan, and you'll pay off thirteen years sooner. T...
by Artful Dodger
Mon Mar 09, 2020 10:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18785
Views: 2626389

Re: U.S. stocks in free fall

Well, that was a sock in the gut. :shock:
by Artful Dodger
Sun Mar 08, 2020 3:00 pm
Forum: Investing - Theory, News & General
Topic: Maximizing HSA Strategies
Replies: 65
Views: 3195

Re: Maximizing HSA Strategies

The major negative to building your HSA to a large balance is the tax treatment of the non-spouse beneficiary. The HSA funds are fully taxable at death. I think the idea of maximizing distributions from the HSA in early retirement makes the most sense. When I'm in retirement, and looking at minimizi...
by Artful Dodger
Sun Mar 08, 2020 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: House Reassessment
Replies: 13
Views: 934

Re: House Reassessment

Seven or eight years ago, I was seeing our real estate taxes going up regularly, and thought the tax office's evaluation of our home's worth way too high. A friend who had been on the board of review in the past told me to get an actual appraisal, and that would be the best way to get the taxes lowe...
by Artful Dodger
Sat Mar 07, 2020 8:53 am
Forum: Personal Consumer Issues
Topic: Staying Proficient on Windows PCs
Replies: 33
Views: 2136

Re: Staying Proficient on Windows PCs

You may want to take a look at Office 365, which is Microsoft's subscription-based service to their productivity tools. https://www.microsoft.com/en-us/p/office-365-personal/cfq7ttc0k5bf?activetab=pivot%3aoverviewtab This would allow for you to have the rights to download the latest desktop applica...
by Artful Dodger
Fri Mar 06, 2020 9:44 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 605
Views: 31520

Re: What are you listening to now

I'm listening to the Grateful Dead's concert at Barton Hall at Cornell University on May 8, 1977. This was released a couple of years ago as part of a May 77 boxed set that I didn't buy, but opted instead for just the May 8 Cornell concert, which was offered as an option. It is truly an outstanding ...
by Artful Dodger
Thu Mar 05, 2020 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: I forgot to pay a medical bill, now its gone to collections
Replies: 23
Views: 2559

Re: I forgot to pay a medical bill, now its gone to collections

I once had a situation where a Hospital failed to ever send a bill. The first I heard of it was from the collections agency. I just paid them the amount of the original bill and never heard any more about it. I'm sure they provided some type of receipt showing that I had settled the matter. I'm gue...
by Artful Dodger
Thu Mar 05, 2020 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Long term disability premiums included in highly compensated employee calculation?
Replies: 2
Views: 208

Re: Long term disability premiums included in highly compensated employee calculation?

I work with employers setting up benefit plans. One option they have is the tax treatment of the LTD benefit when an employee goes on claim. By far, most employers pay the benefit directly which means when the employee goes on claim, their benefit is taxable. It sounds to me like your employer takes...
by Artful Dodger
Wed Mar 04, 2020 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Owner FICA Tax deduction (S-Corp)?
Replies: 9
Views: 438

Re: Owner FICA Tax deduction (S-Corp)?

Line 2 is 36K, same as 5a & 5c (col 1). Your 401k deferral is from the wages paid to you. In addition, for the first quarter, your business may contribute an additional 25% of your $36K wages or $9000 towards your 401k. (Assuming this was included in your plan document, which i think would be pretty...
by Artful Dodger
Wed Mar 04, 2020 3:56 pm
Forum: Personal Investments
Topic: Fidelity Brokerage Account Good Faith Violation - How Serious?
Replies: 11
Views: 1850

Re: Fidelity Brokerage Account Good Faith Violation - How Serious?

My question is: Other than this "slap on the wrist" is there any long term negative effect on my account that you know of to acquiring a single good faith violation in one's brokerage account?

None that I know of. I think all firms have something similar and it is a SEC rule.
by Artful Dodger
Wed Mar 04, 2020 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Owner FICA Tax deduction (S-Corp)?
Replies: 9
Views: 438

Re: Owner FICA Tax deduction (S-Corp)?

I wonder the same as Elysium. Are you an S-Corp (1120S) or actually self employed (schedule C)? It almost seems the way you are asking, that you are consider yourself the later. There is nowhere to list anything about your 401k on the 941 filing, nor any need to. My total compensation is listed on l...
by Artful Dodger
Wed Mar 04, 2020 2:45 pm
Forum: Personal Consumer Issues
Topic: Refinance school loans
Replies: 0
Views: 228

Refinance school loans

Hello all, My daughter is looking to refinance some school loans she currently has in the 5-6% range. With the current drop in the 10 year and the fed funds rate, can we expect some lower rates in the market. For those who have been looking, what are you seeing? Any specific lenders you recommend? T...
by Artful Dodger
Wed Mar 04, 2020 9:21 am
Forum: Personal Consumer Issues
Topic: Help/Advice with Decluttering
Replies: 37
Views: 2747

Re: Help/Advice with Decluttering

[quote=setancre post_id=5063277 time=<a href="tel:1583289332">1583289332</a> user_id=22630] [quote=WilliamRice post_id=5063243 time=<a href="tel:1583288008">1583288008</a> user_id=15864] I’m wondering if anyone has had similar experiences with decluttering. I am currently trying to declutter my lif...
by Artful Dodger
Mon Mar 02, 2020 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Owner FICA Tax deduction (S-Corp)?
Replies: 9
Views: 438

Re: Owner FICA Tax deduction (S-Corp)?

The employer share is deducted as a tax payment. The employee share is included in the salary paid to you, deducted on the officer salary line.

As an edit, the employee share FICA is still included in your W-2, so reported as personal income.
by Artful Dodger
Mon Mar 02, 2020 4:21 pm
Forum: Personal Investments
Topic: Am I a Market Timer?
Replies: 28
Views: 1524

Re: Am I a Market Timer?

Peter Lynch, one of Fidelity's early star mutual fund managers did an analysis looking at buying at the highest price per year vs buying at the lowest price per year. I think you'll agree you won't be able to actually do this, but here is what he found. Lynch once conducted a study to determine whet...
by Artful Dodger
Mon Mar 02, 2020 3:50 pm
Forum: Personal Investments
Topic: Another Edward Jones and other Financial Advisor "Lessons to Share"
Replies: 80
Views: 9911

Re: Another Edward Jones and other Financial Advisor "Lessons to Share"

I posted this back in 2018 in response to some questions about Fisher Investments. In comparison to many of the posts above, their approach was simple - they bought individual stocks, so I was paying a 1.25% to 1.5% AUM fee plus a low cost stock trade fee. I didn't have to deal with all the propriet...
by Artful Dodger
Sun Mar 01, 2020 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Do you receive an annual declarations update on LTCI?
Replies: 5
Views: 324

Re: Do you receive an annual declarations update on LTCI?

You should be able to set up an account online login, and download a current statement of benefits.
by Artful Dodger
Sun Mar 01, 2020 7:45 pm
Forum: Personal Consumer Issues
Topic: Panera Coffee Subscription
Replies: 16
Views: 2161

Re: Panera Coffee Subscription

I love their food, though am not a big fan of their coffee.
by Artful Dodger
Sun Mar 01, 2020 2:06 pm
Forum: Personal Consumer Issues
Topic: Postponed travel due to Corona Virus. Am I am overreacting ?
Replies: 232
Views: 23920

Re: Postponed travel due to Corona Virus. Am I am overreacting ?

We had been planning a trip to southern Italy for late April and into May, but had not pulled the trigger on tickets. I was still planning to go when your thread started but getting more concerned. Friday CDC raised the threat level from 2 (exercise caution) to 3 (recommend only essential travel). T...
by Artful Dodger
Sun Mar 01, 2020 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Worth using a CPA for my taxes this year?
Replies: 39
Views: 2620

Re: Worth using a CPA for my taxes this year?

You say you believe the taxes were withheld for the
exercised options. Is this reflected in the return you have completed?

Plus, as noted above, depending on the amount of options, the marginal tax rate may be higher than that used for the withholding.
by Artful Dodger
Sat Feb 29, 2020 9:43 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 605
Views: 31520

Re: What are you listening to now

I was thinking of my deceased brother today, so I played some of his favorite music. Brought back memories of our time together when young. Bittersweet, for sure. Ferlin Husky (lots of gospel and country) The Everly Brothers And, played some music by the group DW and I saw in our first concert, Thr...