Search found 124 matches

by FireAway
Wed Dec 23, 2020 3:58 pm
Forum: Personal Consumer Issues
Topic: Password storage apps, recommendations?
Replies: 119
Views: 4993

Re: Password storage apps, recommendations?

I've used LastPass for many years. Free, works on most platforms, lots of great features. I recommend highly.
by FireAway
Fri Dec 18, 2020 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: College-Age Kids getting student loans when parent income too high
Replies: 133
Views: 7892

Re: College-Age Kids getting student loans when parent income too high

I feel OP is on track with his approach to making adult children responsible for their own education. Fronting them whatever money they 'need' creates a moral hazard in which the student has little or no penalty for bad choices. Having them pay their own way helps motivate them towards making the be...
by FireAway
Fri Dec 11, 2020 5:40 pm
Forum: Personal Investments
Topic: Most efficient/cheap way to harvest cap gains?
Replies: 2
Views: 344

Most efficient/cheap way to harvest cap gains?

I think I'd like to harvest some LTCG before the end of the year at 0% tax rate. But I don't want to divest from anything, so I plan to sell stock 'X' and then immediately buy it back. I'd like to avoid losing money on the spread, or on price change in the seconds between when I sell and buy. Is the...
by FireAway
Mon Nov 30, 2020 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2020 software offer
Replies: 372
Views: 26474

Re: H&R Block - download vs key card?

I usually get a CD-ROM, so that if I get a new computer and need access to old returns I can easily reinstall. This year HRB does not offer a CD_ROM, the choices are download or 'key card', where they mail you a physical key card (USB device, I'm guessing?) that allows you to download the software f...
by FireAway
Mon Nov 30, 2020 3:30 pm
Forum: Non-US Investing
Topic: [Austria] Too good to be true CD rate
Replies: 17
Views: 1904

Re: [Austria] Too good to be true CD rate

I know NOTHING AT ALL about Austrian banking. That said, I just invested some money in a US CD for 1.45% for 5 years. (I actually don't want to tie it up for this long, but the early withdrawal penalty is only 6 months of interest, which means even if I withdraw after 2yrs, say, the effective rate w...
by FireAway
Thu Sep 24, 2020 2:41 pm
Forum: Investing - Theory, News & General
Topic: I dont understand compound interest.
Replies: 47
Views: 4908

Re: I dont understand compound interest.

You guys missed the most important lesson from this word problem, which is: Invest in something which pays 8% year after year for the lifetime of your investment. :D :D :D
by FireAway
Tue Sep 22, 2020 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 857
Views: 112954

Re: Best CD rates thread

"Membership in East River Federal Credit Union is open to those who live, work, worship, or attend school, and businesses and legal entities located in Miner County or Lake County, South Dakota." If you aren't in those two counties, you can't have an account there. That's a red flag. I wo...
by FireAway
Mon Sep 21, 2020 2:33 pm
Forum: Personal Consumer Issues
Topic: Hauling Heavy Load in Trunk of Car: Advice, please.
Replies: 21
Views: 1112

Re: Hauling Heavy Load in Trunk of Car: Advice, please.

Yeah, that's not that much weight. But, I would place it as far forward in the trunk as possible - get it as close to the axle as you can. A heavy enough weight, far enough back, will unweight the front tires enough to reduce stearability/braking.
by FireAway
Sat Aug 29, 2020 3:04 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Tennessee
Replies: 116
Views: 13886

Re: Thoughts on Tennessee

Coincidentally, I had started looking into TN when this thread popped up. A recent article in Kiplinger's pointed to Knoxville as a good retirement town. One possibility I like about TN - I used to visit there for houseboating trips, in my youth - is the opportunity for waterfront living. Any recomm...
by FireAway
Sat Aug 29, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: Bee keeping
Replies: 64
Views: 3578

Re: Bee keeping

I've been told that the larger black bees in my garden are Orchard Bees - does that sound like your Orchard Mason bees? They're cool - but I have no idea where they're nesting. Mine look sorta like large houseflies. I wouldn't say they're large, for a bee. If they can't find holes to make nests in,...
by FireAway
Fri Aug 28, 2020 2:38 pm
Forum: Investing - Theory, News & General
Topic: Winklevoss: The Case for $500,000 Bitcoin
Replies: 349
Views: 24139

Re: Winklevoss: The Case for $500,000 Bitcoin

These chumps own enormous quantities of bitcoin. Of course they're bullish on it. Why would anyone value their opinion on this? This is just pump and dump. BTW, that doesn't mean I disbelieve that bitcoin could go way up. Just that these two are the last people I would look to for advice on this sub...
by FireAway
Fri Aug 28, 2020 2:33 pm
Forum: Personal Consumer Issues
Topic: Bee keeping
Replies: 64
Views: 3578

Re: Bee keeping

Anyone keep bumblebees? I've read they don't produce meaningful amounts of excess honey, but are useful with crops. I keep Orchard Mason bees now. These are a native bee, easy to keep (just need to set out nesting tubes in the spring, and optionally collect/clean them in the winter) and great polli...
by FireAway
Fri Aug 28, 2020 2:31 pm
Forum: Personal Consumer Issues
Topic: Bee keeping
Replies: 64
Views: 3578

Re: Bee keeping

My dad just retired and has been following a 'mentor beekeeper' along for a bit. Looks like he'll have his own soon enough. This being a boglehead forum, can someone put some color on the economics? Is this a passion/hobby (nothing wrong with that) or can it carry itself from selling the honey? I d...
by FireAway
Thu Aug 27, 2020 2:11 pm
Forum: Personal Consumer Issues
Topic: Bee keeping
Replies: 64
Views: 3578

Re: Bee keeping

I kept bees for several years, until my wife thought that keeping kids would be more fun and I ran out of time for beekeeping. It is an enjoyable hobby, and bees are simply fascinating. The challenge when I was in it was keeping the bees healthy - lots of mites and other things to fend off, and expe...
by FireAway
Tue Aug 25, 2020 6:40 pm
Forum: Personal Consumer Issues
Topic: Property line issue
Replies: 24
Views: 2002

Re: Property line issue

there was a thread just like this a few months back, in fact I thought this was the same thread initially (RV parked on someones property becoming a residence) Wasn't me. Also, it's not the RV I mind so much - eventually, that can and will go away - but a permanent structure is, well, permanent. Th...
by FireAway
Tue Aug 25, 2020 5:21 pm
Forum: Personal Consumer Issues
Topic: Property line issue
Replies: 24
Views: 2002

Property line issue

[Offensive language removed by admin LadyGeek] I live in the country, lots are about 20 acres out here. My neighbor moved in about a year ago. He put up an RV pad with septic connection and power, close to our shared property line, so that his parents could live on the property (That's illegal here...
by FireAway
Thu Aug 20, 2020 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 857
Views: 112954

Re: Best CD rates thread

I just finished my Barksdale signup, and can verify that it's open to family of active military (among others). Immediate family is usually defined as parents, spouse, siblings, children. So you should qualify. Did you see something that specifically said you can't? I didn't see a message saying &q...
by FireAway
Thu Aug 20, 2020 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 857
Views: 112954

Re: Best CD rates thread

Barksdale looks like a good option to consider now that their field of membership is extended to veterans. Thanks for the pointer. [...] Membership available to, among others, military and family of current or former military (much like Navy Federal). I qualified for NFCU since my son is active mil...
by FireAway
Mon Aug 17, 2020 2:25 pm
Forum: Investing - Theory, News & General
Topic: When to realize gains?
Replies: 5
Views: 543

Re: When to realize gains?

TwoIdenticalIndexes wrote: Mon Aug 17, 2020 1:29 pm I don't think realizing capital gains taxes require substantial changes to your asset allocation.
No, but changes to your asset allocation might well require realizing capital gains.
by FireAway
Mon Aug 10, 2020 3:18 pm
Forum: Personal Consumer Issues
Topic: Do not call
Replies: 25
Views: 3422

Re: Do not call

Have you tried Nomorobo? It's free. www.nomorobo.com I was getting robocalls every 15 minutes some mornings, driving me crazy. My landline carrier did not offer nomorobo, and wanted to charge a fee for caller ID (on top of what we already considered was too much money for simple landline service). ...
by FireAway
Sun Aug 09, 2020 7:09 pm
Forum: Personal Investments
Topic: I bonds for 2020
Replies: 17
Views: 2252

Re: I bonds for 2020

I am guessing that the reconciliation on the annual purchase limit comes with the tax return for the year of redemption. T Hmm, I redeemed some in 2019, and the tax software I used (H&RB) did not require any such reconciliation. It correctly handled the interest on the Federal vs State tax, and...
by FireAway
Sun Aug 09, 2020 5:34 pm
Forum: Personal Investments
Topic: I bonds for 2020
Replies: 17
Views: 2252

Re: I bonds for 2020

I thought the reply from TD was very clear....only $10k per SSN/EIN If the "other" entity(trust) is using an EIN other than your SSN, yes more I-Bonds are eligible. Frankly, I wouldn't trust an online or phone answer, if there's any question. I would go to a written source. CSRs can give ...
by FireAway
Thu Jul 16, 2020 2:26 pm
Forum: Personal Consumer Issues
Topic: Groupon During Pandemic
Replies: 11
Views: 702

Re: Groupon During Pandemic

Nobody forces companies to participate in Groupon. So why do they? To get people like you to try them out. So you're using it for exactly the purpose that the company wants you to. Why would you feel bad about it? More importantly, why would you care whether anyone disapproves?
by FireAway
Wed Jul 15, 2020 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Liability for Golf Ball Through Windshield
Replies: 93
Views: 6238

Re: Liability for Golf Ball Through Windshield

Because the standard for tort liability is negligence, not intentional conduct. It seems to me that if a golfer hits a ball into a car window when he knows that it is possible for his shots to leave the course and impact on an adjacent public roadway, then that is negligence. (Not to pick on the OP...
by FireAway
Thu Jul 09, 2020 3:26 pm
Forum: Personal Consumer Issues
Topic: Need advice for raspberry pi
Replies: 39
Views: 2963

Re: Need advice for raspberry pi

I think that if 'fun' is the goal then an Arduino may be a better choice. The pi is really just, well, a small computer, so if he wants to learn coding it's probably just as easy to do this on whatever other computer he has (assuming he has a laptop or a desktop computer already). With an Arduino, h...
by FireAway
Thu Jul 09, 2020 2:13 pm
Forum: Personal Consumer Issues
Topic: Need advice for raspberry pi
Replies: 39
Views: 2963

Re: Need advice for raspberry pi

I think the first question that needs to be answered is, why do you want to buy your kid a pi? Or, why does he want a pi? That will help determine the best fit for him (and it may not even be a pi...)
by FireAway
Tue Jul 07, 2020 2:18 pm
Forum: Investing - Theory, News & General
Topic: Help me understand this on real estate investing
Replies: 35
Views: 3288

Re: Help me understand this on real estate investing

Looking at the title of this thread, just understand he's talking about Real Estate anti-investing. He constantly refinances so that he IS NOT investing in it. Well, he still owns the house, and thus benefits/suffers from any appreciation/loss, so it is an investment. What he's doing is investing i...
by FireAway
Fri Jun 12, 2020 2:20 pm
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 298
Views: 43947

Re: Is there an "upvote" feature in the forums?

ronno2018 wrote: Fri Jun 12, 2020 1:55 pm
cheese_breath wrote: Fri Jun 12, 2020 1:45 pm I don't think that button exists.
It would be nice to have an upvote button to the right of the report and quote button.
+1
by FireAway
Fri May 15, 2020 2:05 pm
Forum: Personal Consumer Issues
Topic: Flag Pole Light
Replies: 16
Views: 1228

Re: Flag Pole Light

lthenderson wrote: Fri May 15, 2020 9:45 am In my experience, almost all solar lighting is temporary at best. The solar cells used to power the lights are low grade and wear out after a number of years
And the battery which gets cycled every day wears out even sooner than the cells.
I'm going with hardwired when I get around to it.
by FireAway
Wed Apr 29, 2020 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 857
Views: 112954

Re: Best CD rates thread

Thanks, hudson. BTW, although I use depositaccounts as well, I think rates are dropping so fast that that site can't keep up. For instance the PenAir 2-year shows as 1.9% on depositaccounts, but actually just 1.7% on PenAir.org. Noticed the same for many other institutions.
by FireAway
Wed Apr 29, 2020 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 857
Views: 112954

When/what is the bottom?

Most of my CD stash is in a 2 year duration ladder. Not sure what to do with the stuff that needs to be renewed now - lock in these low rates for another two years, or put it in shorter duration holdings (like high-yield savings, or my NavyFed "add at any time" cd maturing next July, which...
by FireAway
Tue Apr 21, 2020 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Increasing tax withholdings to avoid penalties
Replies: 11
Views: 540

Re: Increasing tax withholdings to avoid penalties

My situation may be different than yours, but I find paying qtrly estimated taxes easiest. I generally plan out my year in advance, so I know about how much income I'll have, how much tax I'll owe, and what my minimum "safe harbor" tax is. I divide that last number by 4 and send it in. It'...
by FireAway
Wed Apr 15, 2020 3:32 pm
Forum: Personal Investments
Topic: Avoid ST Cap Gains by going from VTSAX to VTI?
Replies: 10
Views: 447

Re: Avoid ST Cap Gains by going from VTSAX to VTI?

The IRS loves gains (because they're taxed), and hates losses. So in general it's impossible to see a gain and not have to claim it, but it's easy to have a loss and not be allowed to claim it. So, no, you can't avoid taxes on this gain - the best you could do is realize some offsetting losses.
by FireAway
Tue Apr 14, 2020 11:59 am
Forum: Investing - Theory, News & General
Topic: "Pumping" assets from IRA to Roth?
Replies: 5
Views: 569

"Pumping" assets from IRA to Roth?

I've got some bonds in my Roth (probably not best place), and some stock in my tIRA.  The bonds are holding value, but the stock is down.  So, I'm going to sell the bonds in my Roth, and use that money to buy stock.  On the flip side, in my tIRA, I'm going to sell the stock, and buy the bonds.  So, ...
by FireAway
Fri Apr 10, 2020 3:31 pm
Forum: Personal Consumer Issues
Topic: Outside of stocks, what else is a screaming good deal now?
Replies: 66
Views: 8024

Re: Outside of stocks, what else is a screaming good deal now?

I took 'outside of stocks' in the title to charitably assume the OP knows you can't really tell if lower stock prices make them a better buy I said 'outside of stocks' because I'm sure there are already countless threads on whether stocks are a good buy, and which stocks are a good buy, and I wante...
by FireAway
Fri Apr 10, 2020 10:47 am
Forum: Personal Consumer Issues
Topic: Outside of stocks, what else is a screaming good deal now?
Replies: 66
Views: 8024

Re: Outside of stocks, what else is a screaming good deal now?

Sandtrap wrote: Thu Apr 09, 2020 5:14 pm All in a days work at Quiet Haven RV Park and Lodge.
That was all oddly specific. :-)
by FireAway
Thu Apr 09, 2020 2:31 pm
Forum: Personal Consumer Issues
Topic: Outside of stocks, what else is a screaming good deal now?
Replies: 66
Views: 8024

Re: Outside of stocks, what else is a screaming good deal now?

Where do you find deals like the ones you describe? For things like laundromats and car washes do you just look for "for sale" signs or is there some kind of website where these things are listed? businessbroker.net, etc. There are website listing these just as there are for residential p...
by FireAway
Wed Apr 08, 2020 2:44 pm
Forum: Personal Consumer Issues
Topic: Outside of stocks, what else is a screaming good deal now?
Replies: 66
Views: 8024

Outside of stocks, what else is a screaming good deal now?

As a consumer, are there things right now that are a screaming 'buy!', because of gas price drops, Covid fears, etc.? I'm sure there are some great deals on travel, but when I'm not sure when things will be "safe" to travel, I don't feel confident in booking anything unless its refundable....
by FireAway
Wed Apr 01, 2020 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Are non-dependent children on my ACA plan eligible for PTC?
Replies: 4
Views: 282

Re: Are non-dependent children on my ACA plan eligible for PTC?

Thanks, Huey, I was hoping you'd reply! I had actually read this part of the 8962 instructions, but I don't think it directly addresses my question. It seems to be about allocating SLCSP and PTC among separate tax families, assuming those tax families are eligible for PTC. But my question is about d...
by FireAway
Sun Mar 29, 2020 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Are non-dependent children on my ACA plan eligible for PTC?
Replies: 4
Views: 282

Are non-dependent children on my ACA plan eligible for PTC?

In the past, my family of four (me + spouse + 2 dependents) has been on an ACA plan and received a premium tax credit (PTC).  For 2020, it's possible that I may not be able to claim my adult children (college students) as dependents, and I'm trying to figure out how this affects ACA and PTC. If I un...
by FireAway
Sat Mar 28, 2020 3:02 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting: Violation of IRS Code?!? [Economic Substance Doctrine]
Replies: 39
Views: 1751

Re: Tax Loss Harvesting: Violation of IRS Code?!? [Economic Substance Doctrine]

OP is missing the 'and' between clause 1 and clause 2. Selling a stock for a loss DOES change in a meaningful way your economic position (even if, 30 days later, you buy it back) and so the transaction has economic substance.
by FireAway
Sat Mar 28, 2020 2:32 pm
Forum: Personal Investments
Topic: Are i-bonds dated when purchase placed, or when ACH clears?
Replies: 2
Views: 274

Are i-bonds dated when purchase placed, or when ACH clears?

I placed an order for several I-bonds on TreasuryDirect after the market closed Friday. I got acknowledgement from TD saying the purchase would be pushed to the next business day (3/30). THese will be funded via ACH transfer. Is the purchase date on these going to be 3/30, and get the March fixed ra...
by FireAway
Fri Mar 20, 2020 11:28 am
Forum: Personal Consumer Issues
Topic: Travel scam on flight cancellations
Replies: 11
Views: 1394

Re: Travel scam on flight cancellations

OnTrack wrote: Thu Mar 19, 2020 11:28 pm Are airline vouchers transferable? I was under the impression that they had to be used by the person who was assigned the original ticket.
I'm not 100% sure. All I know is, the airline was willing to send them to HIS email address, and he has gone radio silent since receiving the voucher.
by FireAway
Thu Mar 19, 2020 2:35 pm
Forum: Personal Consumer Issues
Topic: Travel scam on flight cancellations
Replies: 11
Views: 1394

Travel scam on flight cancellations

We were nearly bitten by this scam, might be useful information with all the travel cancellations going on: My wife had a Vegas trip scheduled, which she needed to cancel for credit or refund. She Googled Alaska Air, saw a phone number, and dialed it. The phone was answered "Alaska Airlines&quo...
by FireAway
Mon Mar 16, 2020 3:05 pm
Forum: Personal Investments
Topic: How does FDIC Insurance work?
Replies: 4
Views: 333

Re: How does FDIC Insurance work?

FDIC is for banks, not brokers. Brokerages are protected by SIPC. (But do make sure your individual brokerage has this!) SIPC covers $500K per person per account type per institution. So you (and a spouse) could each have up to $500K in a taxable account, an IRA, and a Roth, and fall under that cove...
by FireAway
Tue Feb 18, 2020 3:06 pm
Forum: Investing - Theory, News & General
Topic: i-ORP bug
Replies: 6
Views: 539

Re: i-ORP bug

I get a lot of value out of iORP. jhawktx, do you have a recommendation for another package that does what iORP does?
by FireAway
Sun Feb 16, 2020 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do I have to take a capital loss for the year it happened or can I defer it?
Replies: 3
Views: 421

Re: Do I have to take a capital loss for the year it happened or can I defer it?

Well, you could always buy back the same - or similar - stock within 30 days of selling, in which case the IRS would "let" you defer the loss. But it's more than 30 days from 2019, so that's not an option at this point.