Search found 4866 matches

by Leesbro63
Fri Dec 15, 2017 6:48 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350 - new vs. preowned
Replies: 29
Views: 1931

Re: Lexus RX 350 - new vs. preowned

There are a few benefits to buying new that I think make it worth it: 1. Who knows how the previous driver treated the car. 2. Honda/Toyota cars retain their value very well, even luxury, for good reason, they're reliable. Don't expect a deal (unlike used German Luxury, but they're not as reliable)...
by Leesbro63
Fri Dec 15, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: New Honda CRV is MotorTrend's SUV of the year
Replies: 23
Views: 1721

Re: New Honda CRV is MotorTrend's SUV of the year

Yeah, I get it that snow tires are, well, much better in the snow. But in the real world, most of us buy all wheel drive vehicles for normal winter city/highway driving. That will be better than a vehicle without AWD. But most of us aren't gonna futz with snowtires too.
by Leesbro63
Fri Dec 15, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: New Honda CRV is MotorTrend's SUV of the year
Replies: 23
Views: 1721

Re: New Honda CRV is MotorTrend's SUV of the year

Perhaps paying close to sticker IS a good deal. It's what the market will bear, not how far below sticker you can get. You can get Chryslers for many dollars below sticker. On the surface it's a better deal. But longer term, paying full sticker for a Honda is probably the better deal.
by Leesbro63
Fri Dec 15, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 19984

Re: Prepayment of SALT Taxes? [State and Local]

Overpaying state taxes by way of an estimated payment on the last day of the year obviously shows not good, but bad faith: at that point liabilities for the year just ended are set. A very different case is making an estimated payment on the last day of the year covering the year about to begin . D...
by Leesbro63
Fri Dec 15, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Lexus RX 350 - new vs. preowned
Replies: 29
Views: 1931

Re: Lexus RX 350 - new vs. preowned

I've been looking at 2015's partially because of the ugly grill introduced in '16 but more so because of the dash design with the info screen sticking up right in the middle of everything. In our market the '15's seemed to have taken a decent depreciation hit, with gradual price declines in the '13...
by Leesbro63
Fri Dec 15, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: New Honda CRV is MotorTrend's SUV of the year
Replies: 23
Views: 1721

Re: New Honda CRV is MotorTrend's SUV of the year

Isn't one main point of getting an all wheel drive SUV the fact that you shouldn't have to futz with snow tires?
by Leesbro63
Fri Dec 15, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: Lexus RX 350 - new vs. preowned
Replies: 29
Views: 1931

Re: Lexus RX 350 - new vs. preowned

Did this in 2009; bought an off-lease 2006 RX. Kept it 4 years. In the end, my cost per mile was about the same as if I had bought new. Because the depreciation savings upfront wasn’t great. And I had to buy an extended warranty to be covered similar to new. And I needed tires and brakes fairly earl...
by Leesbro63
Tue Dec 12, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless: What are the gotchas?
Replies: 38
Views: 2126

Re: Cricket Wireless: What are the gotchas?

bloom2708 wrote:
Tue Dec 12, 2017 1:27 pm
Leesbro63 wrote:
Tue Dec 12, 2017 1:26 pm
Can I use my AT&T iPhoneX on Cricket?
You can. It doesn't need to be unlocked. Are you out of contract or paying monthly on your X?
Out of contract. I paid cash for the phone. Although I use more than 5GB so I need to consider this carefully.
by Leesbro63
Tue Dec 12, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless: What are the gotchas?
Replies: 38
Views: 2126

Re: Cricket Wireless: What are the gotchas?

Can I use my AT&T iPhoneX on Cricket?
by Leesbro63
Tue Dec 12, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 19984

Re: Prepayment of SALT Taxes? [State and Local]

MORE! OK, I just listened to tax guru Robert Keebler, CPA's year-end planning conference call. http://www.keeblerandassociates.com/about He says you probably CANNOT deduct 2018 state income taxes in 2017 based on Revenue Rule 82-208. He did hedge by saying that his audience should make their own dec...
by Leesbro63
Mon Dec 11, 2017 8:18 pm
Forum: Investing - Theory, News & General
Topic: Roger Ibbotson and ZebraEdge Annuity
Replies: 5
Views: 718

Roger Ibbotson and ZebraEdge Annuity

I am listening to Jim Lange's podcast episode 205, with Roger Ibbotson, who is touting Nationwide Insurance ZebraEdge annuity. Lange has generally been considered as one of the good guys and I thought Ibbotson, famous for his chart showing how stocks have beaten other asset classes over long periods...
by Leesbro63
Mon Dec 11, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 19984

Re: Prepayment of SALT Taxes? [State and Local]

This thread has been very valuable to me too. The power of Bogleheads. Thank you all for entertaining my questions etc and for the overall discussion of possibly how to maximize always changing world of taxation.
by Leesbro63
Sun Dec 10, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 19984

Re: Prepayment of SALT Taxes? [State and Local]

No human will ever see modifications, the process is completely automated. The computer reading those receipts only knows to look for numbers in the right box. Extra text is ignored. I strongly recommend contacting the state for the proper procedure to apply your taxes to the right year. Good point...
by Leesbro63
Sun Dec 10, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 19984

Re: Prepayment of SALT Taxes? [State and Local]

It’s actually only 3 weeks early. Don’t confuse deadline with first allowable date. True, but who would pay the tax in early January when it is not due until April 17? Assuming few if anyone, then there is the risk it gets misapplied despite using the 2018 voucher. But the risk is minimal. The wors...
by Leesbro63
Sun Dec 10, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 19984

Re: Prepayment of SALT Taxes? [State and Local]

It’s actually only 3 weeks early. Don’t confuse deadline with first allowable date.
by Leesbro63
Sat Dec 09, 2017 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 19984

Re: Prepayment of SALT Taxes? [State and Local]

I just played with Turbotax too. It appears that you have to make TT FEDERAL think that you made the 2018 state income tax prepayment as being FOR your state for tax year 2017 (even though it's for 2018). Then when you do the state return, you need to remove that amount so that your 2017 state retur...
by Leesbro63
Sat Dec 09, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 19984

Re: Prepayment of SALT Taxes? [State and Local]

OK, so again I ask: because of the current uncertainty, can one act now (prepay state income tax) and decide later (which year to take the deduction, if, indeed, there remains an option)?
by Leesbro63
Sat Dec 09, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 19984

Re: Prepayment of SALT Taxes? [State and Local]

It could also be for purposes of bunching deductions into every other year, a common tax strategy.
by Leesbro63
Sat Dec 09, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 19984

Re: Prepayment of SALT Taxes? [State and Local]

How about this one: Let's say you do prepay state income taxes in 2017 for tax year 2018. The state correctly applies the payment to 2018. And for any number of reasons, including some that are hypothetical and cannot be discussed here, you find out, in February of 2018, that you can and do want to...
by Leesbro63
Sat Dec 09, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 19984

Re: Prepayment of SALT Taxes? [State and Local]

How about this one: Let's say you do prepay state income taxes in 2017 for tax year 2018. The state correctly applies the payment to 2018. And for any number of reasons, including some that are hypothetical and cannot be discussed here, you find out, in February of 2018, that you can and do want to...
by Leesbro63
Sat Dec 09, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 19984

Re: Prepayment of SALT Taxes? [State and Local]

How about this one: Let's say you do prepay state income taxes in 2017 for tax year 2018. The state correctly applies the payment to 2018. And for any number of reasons, including some that are hypothetical and cannot be discussed here, you find out, in February of 2018, that you can and do want to ...
by Leesbro63
Fri Dec 08, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 70
Views: 4148

Re: I am buying a car: Most/Least Reliable Makes?

bloom2708 wrote:
Fri Dec 08, 2017 7:52 pm
Buy a 2 year old Lexus.

Let the first owner eat the initial depreciation.
IMHO, bad advice. Cost per mile, a 2-3 year old Lexus might be more than New. They hold their value so well that the value is to buy new and hold.
by Leesbro63
Thu Dec 07, 2017 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 19984

Re: Prepayment of SALT Taxes? [State and Local]

Great post, Chip. It sounds like this is doable. I will continue to watch this thread and decide as we get closer to the end of the year.
by Leesbro63
Wed Dec 06, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 19984

Re: Prepayment of SALT Taxes? [State and Local]

From Schedule A Instructions State and local estimated tax payments made during 2017, including any part of a prior year refund that you chose to have credited to your 2017 state or local income taxes. I think the second part of the sentence refers only to "prior years refunds" and not to "estimate...
by Leesbro63
Wed Dec 06, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 19984

Re: Prepayment of SALT Taxes? [State and Local]

Good. So now the only question is if it's legal to deduct 2018 state income taxes prepaid in 2017 from Federal income.
by Leesbro63
Wed Dec 06, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 19984

Re: Prepayment of SALT Taxes? [State and Local]

What difference does it make if one prepays 2018, or overpays 2017 ? As long as it is done before 12/31 it is itemized against the 2017 taxes. Big difference. Because a 2017 overpayment will generate a form 1099-R as income taxable in 2018. Negating the deduction you took for it in 2017. If applied...
by Leesbro63
Wed Dec 06, 2017 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 19984

Re: Prepayment of SALT Taxes? [State and Local]

I've been following this thread closely. It sounds like there are two issues here: 1. Will the state apply a payment received in 2017 toward 2018, or will it just add it to the 2017 ledger? It would seem that if they don't apply to 2018, the only "harm" will be that it will show up as refunded in 20...
by Leesbro63
Sat Dec 02, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Any other Granada (Caribbean) Lovers Here?
Replies: 5
Views: 441

Re: Any other Granada (Caribbean) Lovers Here?

I thought the s post was going to be about Ford Granada/Mercury Monarch collectors.
by Leesbro63
Sun Nov 26, 2017 11:15 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?
Replies: 50
Views: 5739

Re: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?

i was wondering what the outcome of the proxy vote was. While it may not be final, preliminary results seem to be found here: https://about.vanguard.com/proxy/Summary.pdf https://about.vanguard.com/proxy/Vanguard-shareholders-elect-trustees.pdf https://about.vanguard.com/proxy/ So what does this me...
by Leesbro63
Sun Nov 26, 2017 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Car Lease Gotchas
Replies: 41
Views: 3875

Re: Car Lease Gotchas

So pay off the lease and sell the car or turn it in. It’s only worth what it’s worth, leased or owned outright. The fact that grandma didn’t pay the cost upfront makes it FEEL worse now, but the net result is the same. The lease is effectively a loan with a balloon. What’s owed is what’s owed and wh...
by Leesbro63
Sun Nov 26, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Car Lease Gotchas
Replies: 41
Views: 3875

Re: Car Lease Gotchas

My MIL passed away four months into a lease and Honda will not take the car back or make any concessions. It is well below the mileage allowance. Most people I tell about this are surprised to hear this is how most leases work. Financially, how is this any worse off for her estate/heirs than if she...
by Leesbro63
Sun Nov 26, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Which Turbotax and When
Replies: 5
Views: 692

Which Turbotax and When

What Turbotax(es) do I need? I'll need to file Form 1040 with Schedule D stuff. I will also need to file a tax return for a simple Trust (not a Revocable Living Trust) with it's own Tax ID. Might I need to buy TWO versions of Turbotax? And is it now online and ready to go, or it Intuit just "trickin...
by Leesbro63
Sun Nov 26, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: Scanner Software for PDFs
Replies: 8
Views: 665

Scanner Software for PDFs

I am currently using Paperport14 with Windows 10, 64 bit. The software is clunky and often crashes. I need software that will allow me move PDF pages around and merge documents/unmerge or unstack pages. Also I like to crop pages and convert them back and forth between JPEG-PDF formats. Any suggestio...
by Leesbro63
Tue Nov 21, 2017 5:28 pm
Forum: Investing - Theory, News & General
Topic: Liability Matching Portfolio? Really?
Replies: 104
Views: 16449

Re: Liability Matching Portfolio? Really?

There is risk in any asset, some much greater than others. One major risk of a 100% TIPS LMP is that you cannot accurately estimate what your necessary living costs are going to be in real terms 20 or 30 years from now. The future often has a way of surprising us with things like Alzheimer's diseas...
by Leesbro63
Tue Nov 21, 2017 7:02 am
Forum: Investing - Theory, News & General
Topic: Liability Matching Portfolio? Really?
Replies: 104
Views: 16449

Re: Liability Matching Portfolio? Really?

There is no such thing as a more or less "safe" asset in the longer term. Thus, the perception that it is possible to "quit the game" is a dangerous illusion. TIPS? Not for high income/high net worth investors with large taxable accounts. If we ever get the rip-roaring inflation that TIPS are bough...
by Leesbro63
Thu Nov 16, 2017 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Withdrawal TIming
Replies: 6
Views: 724

Re: 529 Withdrawal TIming

It's by calendar year, which makes it hard sometimes if you need the 529 money for the spring semester bill. But you have until the end of 2018 to withdraw 529 money for a bill you paid in 2018. If you take the money out in Dec 2017 to pay the bill in Jan 2018 then you will create a problem. And wh...
by Leesbro63
Thu Nov 16, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Withdrawal TIming
Replies: 6
Views: 724

529 Withdrawal TIming

I think this was discussed before...perhaps even by me! If I pay for my son's college expenses directly for the semester beginning in January 2018, how long can I delay reimbursing myself from his 529 account? In other words, I'm not sure if I want to reimburse myself, or "let it ride" (the 529 plan...
by Leesbro63
Wed Nov 15, 2017 2:37 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25941

Re: [Yahoo Finance no longer works - Alternatives to download securities quotes]

Well, I was all happy to figure out GOOGLE SHEETS and it works well. Except...it doesn't update mutual fund prices until sometime much later than I'd like (about 6:30PM Eastern). Anyone else notice this? Any good workaround? It's not just you. I had the same experience. Got Google Finance set up an...
by Leesbro63
Wed Nov 15, 2017 8:37 am
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25941

Re: [Yahoo Finance no longer works - Alternatives to download securities quotes]

Well, I was all happy to figure out GOOGLE SHEETS and it works well. Except...it doesn't update mutual fund prices until sometime much later than I'd like (about 6:30PM Eastern). Anyone else notice this? Any good workaround?
by Leesbro63
Mon Nov 13, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Soylent?
Replies: 24
Views: 1640

Anyone Tried Soylent?

Anyone tried Soyulent? I’d like to sample the 4 flavors, but it seems you have to buy a pack of 12. Maybe there’s a way I can get a sample?
by Leesbro63
Fri Nov 10, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 11468

Re: Got an iPhoneX

I will probably keep it. I'm getting used to it. I like everything about it, except I miss the half inch (or so) of screen width. It's still harder to read on vs my old 7Plus. That being said, it's easier, because it's physically smaller, to flip into landscape mode...so I'm reading that way, which...
by Leesbro63
Fri Nov 10, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 72
Views: 7483

Re: Personal letters to the sellers of your house can work!!!

I can't imagine kissing someone's ear like that to BUY something from them. I'm pretty practical, but if I had to kiss like that, to move, I'd stay put.
by Leesbro63
Fri Nov 10, 2017 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 72
Views: 7483

Re: Personal letters to the sellers of your house can work!!!

This thread is amazing to me. Here in Pittsburgh, even with a recent mini-run-up in prices, sellers just don't have that kind of power. And I would NEVER EVER buy a house without an inspection. Interesting how real estate markets are so different in different parts of the country.
by Leesbro63
Fri Nov 10, 2017 3:45 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25941

Re: [Yahoo Finance no longer works - Alternatives to download securities quotes]

Yes, you're putting your key in there 4 times, on a single symbol. It's basically counting the commas to get to the ticker price. I could not get the API to work using TIME_SERIES_INTRADAY, as it repeatedly threw errors, so I resorted to TIME_SERIES_DAILY, which returns the previous days' quote. Fo...
by Leesbro63
Fri Nov 10, 2017 3:30 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25941

Re: How to Get Stock Quotes Into Excel

It died on 11/1. I now get my stock quotes like this: - set up a portfolio of all my stocks in Yahoo Finance and bookmark it - every time I open the bookmarked page, I see a list of my stocks, prices, volumes, etc. - click download to excel, an excel page opens with all my stock quotes - copy and p...
by Leesbro63
Fri Nov 10, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25941

Re: How to Get Stock Quotes Into Excel

Milo wrote:
Fri Nov 10, 2017 2:40 pm
I use an app that I got from the Office Store called "Stock Connector". It is currently down because of the Yahoo Finance thing. But the author has left a note saying he's found an alternate source and will incorporate it into his app shortly.
I saw that. I hope "shortly" isn't "longly" ;)
by Leesbro63
Fri Nov 10, 2017 2:14 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25941

Re: [Yahoo Finance no longer works - Alternatives to download securities quotes]

If you don't want to deal with macros, and are just looking for a basic ticker lookup (in my case, the current price), you only need two things: An API key from AlphaVantage This Excel query: =VALUE(MID(WEBSERVICE("https://www.alphavantage.co/query?function=TIME_SERIES_DAILY&symbol="&A1&"&interval=...
by Leesbro63
Fri Nov 10, 2017 1:48 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25941

Re: How to Get Stock Quotes Into Excel

Nate79 wrote:
Fri Nov 10, 2017 1:44 pm
Why not use google sheets? It's super easy to get stock quotes in google sheets.
Because, truthfully, I don't understand Google Sheets. Do I have to use Google Docs? It sounds cumbersome!
by Leesbro63
Fri Nov 10, 2017 1:29 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25941

Re: [Yahoo Finance no longer works - Alternatives to download securities quotes]

If you don't want to deal with macros, and are just looking for a basic ticker lookup (in my case, the current price), you only need two things: An API key from AlphaVantage This Excel query: =VALUE(MID(WEBSERVICE("https://www.alphavantage.co/query?function=TIME_SERIES_DAILY&symbol="&A1&"&interval=...