Search found 168 matches

by LK2012
Tue Nov 14, 2017 5:55 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 247
Views: 21611

Re: How to Get Stock Quotes Into Excel

Next, I will have to see if I have the unload/load problem with refreshing. I didn't have that problem with the RCH version. (If so, my next step will be learning how to create a macro). Anyway, thanks again. I'm thrilled to get this working! :beer Congrats. The other advantage I've found with smfG...
by LK2012
Mon Nov 13, 2017 11:01 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 247
Views: 21611

Re: How to Get Stock Quotes Into Excel

I just switched TO the SMF Add-in. I had never used it until a week ago. The smfGetYahooPortfolioView still works to load prices and price changes (and ~90 other fields if you want), and works much faster than the ticker by ticker Excel webservice to Yahoo functions that I used to use. The quirks o...
by LK2012
Sun Nov 12, 2017 9:25 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 247
Views: 21611

Re: How to Get Stock Quotes Into Excel

I've already been through the change from MSN Money to Yahoo SMF Add-in, and now this ... very nice to have a workaround so quickly. I just switched TO the SMF Add-in. I had never used it until a week ago. The smfGetYahooPortfolioView still works to load prices and price changes (and ~90 other fiel...
by LK2012
Sun Nov 12, 2017 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Use or Lose $850 from Limited Expense FSA
Replies: 36
Views: 1681

Re: Use or Lose $850 from Limited Expense FSA

I would think about an extra pair of prescription eyeglasses - go for gold with the frames, coatings, don't economize for once! At least you can use them, and you'll have the frames for the future if your prescription changes. And you can try to anticipate future root canal work, but the uncertainti...
by LK2012
Sun Nov 12, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 247
Views: 21611

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 LK2012
Wed Nov 01, 2017 9:47 am
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate 0.10% [November rate announced]
Replies: 31
Views: 4076

Re: I Bond fixed rate 0.10%

I Bond Composite Rate of 2.58% includes a Fixed Rate of 0.10% Series EE to Earn 0.10% https://treasurydirect.gov/news/pressroom/pressroom_comeeandi1117.htm Thank you! That's higher than 5-year CD rates right now (https://www.depositaccounts.com/cd/5-year-cd-rates.html). It's great to have any Fixed...
by LK2012
Tue Oct 31, 2017 6:12 pm
Forum: Personal Consumer Issues
Topic: How to get a second job?
Replies: 11
Views: 1253

Re: How to get a second job?

A lot of people I work with have second (and third) jobs. My employer requires us to report any outside employment, and have it approved before taking on the second job to make sure there are no conflicts of interest. It is not usually a big deal to get approved. However, not everyone complies with ...
by LK2012
Mon Oct 30, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: 401k beneficiary - whether or not to designate
Replies: 14
Views: 792

Re: 401k beneficiary - whether or not to designate

What you have outlined will not work and I recall there is a Five-year rule to watch out for if you make the estate the beneficiary. I think what you are looking for is to name all beneficiaries on the beneficiary designation. Then they can all roll to inherited IRA's and have RMD based on their in...
by LK2012
Sat Oct 28, 2017 4:34 pm
Forum: Investing - Theory, News & General
Topic: Emotional impact of spending down assets?
Replies: 100
Views: 10032

Re: Emotional impact of spending down assets?

I'm still sorting out my reactions to vested1 's response. For an illiterate woman born to indentured servants in Poland in the 19th century a clean bed and regular meals would pretty much qualify as heaven. Moving up to the current era, my wife and I both have 90 year old mothers who insist on liv...
by LK2012
Thu Oct 26, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: RMD from IRA in year of death
Replies: 18
Views: 1398

Re: RMD from IRA in year of death

I guess it should be obvious at this point that you should consult an Estate and/or Tax Attorney who could give you a real answer to your question.
by LK2012
Sun Oct 15, 2017 3:11 pm
Forum: Investing - Theory, News & General
Topic: IBonds - now or wait? [November 2017 rate]
Replies: 40
Views: 5507

New I Bond Variable Rate for November 2017 - 2.48%

[Thread merged into here, see below. --admin LadyGeek]

According to seekingalpha.com Tipswatch, the New I Bond Variable Rate for November 2017 will be 2.48%.

https://seekingalpha.com/article/411337 ... 48-percent
by LK2012
Sat Aug 19, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: I'm Giving Up Golf
Replies: 57
Views: 12549

Re: I'm Giving Up Golf

I'll quit playing when they pry the clubs from my cold, dead hands. :twisted: Reminds me of my dad. Bedridden with cancer all over his body in hospice, I remember about 3 weeks before he passed away, he took his imaginary grip and made a little waggle movement and said "If I could have just fixed m...
by LK2012
Sat Aug 19, 2017 11:17 am
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 74
Views: 8093

Re: IBonds: My worst bond investment over the last 5 years

I like to look at the actual cash gain, myself. Easy enough to check the numbers on https://www.treasurydirect.gov/BC/SBCPrice If you bought a $5,000 I-Bond in August 2012, it would be worth $5,364 today. $ 364/ $5,000 = 0.0728 0.0728 / 5 (years) = 0.1456 Your investment has returned 1.456% Plus, yo...
by LK2012
Tue Jul 18, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity interest rates
Replies: 20
Views: 2416

Re: Fidelity interest rates

I use Fidelity as my main checking account and generally have one month or less of expenses there. In my cash management account I use SPRXX -- Fidelity Money Market. The current yield is 0.96%. . Hmm, so if I put my entire cash management account (which is sitting in cash) into SPRXX, when I write...
by LK2012
Tue Jul 18, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity interest rates
Replies: 20
Views: 2416

Re: Fidelity interest rates

I use Fidelity as my main checking account and generally have one month or less of expenses there. In my cash management account I use SPRXX -- Fidelity Money Market. The current yield is 0.96%. . Hmm, so if I put my entire cash management account (which is sitting in cash) into SPRXX, when I write...
by LK2012
Thu Jun 22, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 21330

Re: Siblings in disagreement over mom's house.

Great news that you are getting insurance - it sounds like you (and the other sellers?) are bearing the cost alone, or are you going to bill the keepers for their share? It seems clear that you want out, and I don't blame you. Very positive steps you've taken so far. One possible path ahead of you, ...
by LK2012
Sat Jun 17, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Family Death in PA
Replies: 19
Views: 1966

Re: Family Death in MD

This could be complicated if you do not find an actual will and the assets must be distributed based on intestacy in MD. If your father did not formally adopt his "step-children," they may have no claim to any assets. Consulting an attorney is a must.
by LK2012
Sat Jun 17, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Family Death in PA
Replies: 19
Views: 1966

Re: Family Death in MD

Condolences on the loss of your parents in such rapid succession. This sounds like a difficult situation to be dealing with at the same time that you are going through a sudden loss so quickly after the loss of your mother.
by LK2012
Sat Jun 17, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Family Death in PA
Replies: 19
Views: 1966

Re: Family Death in MD

One thing people often overlook is that significant assets may be in retirement accounts, i.e., IRA's, that have designated beneficiaries. This designation supersedes a will. Most assets can pass outside the will in this way. Also, bank and investment accounts can be designated as transfer-on-death ...
by LK2012
Wed Jun 07, 2017 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: NJ Teacher Lost with 403bs
Replies: 30
Views: 3875

Re: NJ Teacher Lost with 403bs

In NJ, consider a Roth IRA even if the traditional IRA would be deductible; NJ does not allow state tax deductions on traditional IRAs. (Likewise, you might consider a Roth 403(b) if your plan offers it; NJ does not allow state tax deductions on traditional 403(b) plans.) Great point, and it can re...
by LK2012
Tue May 23, 2017 1:14 pm
Forum: Investing - Theory, News & General
Topic: Zacks says sell Wellesley!?
Replies: 92
Views: 12671

Re: Zacks says sell Wellesley!?

Very happy with Wellesley in a portion of my retirement investments. Very reliable over the long haul.
by LK2012
Wed Mar 29, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Stock spinoff tax reporting
Replies: 11
Views: 941

Re: Stock spinoff tax reporting

You can also consult CostBasis.com which has a stock spinoff calculator. If you look at the drop down menu for Name of Stock Received in Spinoff, you will see Telesits, and America Movil is also listed in the corresponding Name of original stock.

http://www.costbasistools.com/spinoff/calculator.php
by LK2012
Thu Feb 16, 2017 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Closed my Roth IRA due to political uncertainty - mistake???
Replies: 102
Views: 7205

Re: Closed my Roth IRA due to political uncertainty - mistake???

... The OP said there were no earnings - that the amount in his account was less than what he contributed. Therefore there would be no tax/penalty. That may be true, but I think people posting are trying to make the point that the OP still should make sure this was designated a rollover rather than...
by LK2012
Mon Feb 06, 2017 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software on Sale At Amazon Today
Replies: 3
Views: 802

Re: H&R Block Tax Software on Sale At Amazon Today

Thank you! I've been debating whether to fiddle around with tax software sometime, and this clinched it - great price!
by LK2012
Wed Feb 01, 2017 10:15 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 247
Views: 21611

Re: GETYAHOO broken? [Spreadsheet extension]

It was working fine for me today. I use it in Excel 2003.
by LK2012
Thu Jan 12, 2017 11:08 am
Forum: Investing - Theory, News & General
Topic: 2016 Callan Periodic Table of Investment Returns
Replies: 27
Views: 4693

Re: 2016 Callan Periodic Table of Investment Returns

... I wasn't sure how to upload a PDF so I loaded it onto my Google drive to share. https://drive.google.com/file/d/0B8JsbZRe5NOURVdyNHBlWTZ0RHM/view?usp=drivesdk Thank you for sharing this chart! I'm with Taylor, it really shows you how performance varies year-to-year, and chasing it is incredibly...
by LK2012
Sat Jan 07, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: How to find out if a foreign dividend is qualified?
Replies: 15
Views: 979

Re: How to find out if a foreign dividend is qualified?

I noticed a similar issue at Fidelity, with dividends that should be Qualified showing as Non-Qualified. I've learned (from this Board) to wait and see what the 1099 shows because apparently Fidelity's interim information is not accurate.

So we'll see.
by LK2012
Fri Jan 06, 2017 1:34 am
Forum: Investing - Help with Personal Investments
Topic: Did I make a mistake-VDIGX or VTI?
Replies: 13
Views: 1422

Re: Did I make a mistake-VDIGX or VTI?

In the end though, while I wouldn't call it a mistake, I think you'll be better off in a broad market TSM fund. VDIGX only holds 45 companies, and while they are big strong companies, there is no guarantee they will outperform the broad market goind forward (dividends or no). Different stock styles...
by LK2012
Fri Jan 06, 2017 12:07 am
Forum: Investing - Help with Personal Investments
Topic: Did I make a mistake-VDIGX or VTI?
Replies: 13
Views: 1422

Re: Did I make a mistake-VDIGX or VTI?

Only you can decide which funds you are most comfortable with for your long-range planning, but one consideration might be that VDIGX is now closed to new investors. So if you like it, you might not want to close out your position completely.
by LK2012
Tue Dec 27, 2016 10:06 pm
Forum: Personal Consumer Issues
Topic: Decent quality reading glasses
Replies: 21
Views: 2187

Re: Decent quality reading glasses

I bought the 4-packs for $20 from BJ's and have been pretty happy with them for my medium-distance reading (computer). This works well because for that distance I use a pretty common prescription. But to read close up I need a stronger prescription that is less common, so I have to order them. I've ...
by LK2012
Mon Dec 19, 2016 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Ne er-do-wells coming out of woodwork
Replies: 32
Views: 7417

Re: Ne er-do-wells coming out of woodwork

KlingKlang wrote:Question - Do financial institutions notify you when someone changes your status as a co-owner/beneficiary?


No, Klingklang. They definitely do not notify you.
by LK2012
Mon Dec 19, 2016 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Mother saying she will put in 10k for my new car purchase. Anyway I can make this certain in writing?
Replies: 41
Views: 2634

Re: Mother saying she will put in 10k for my new car purchase. Anyway I can make this certain in writing?

Derivative, I would say this forum is probably not the best place to ask for this particular type of advice. Your culture and your family history are an important part of your financial situation. Also, from some of your posts, it appears that you've had some health issues that may also be placing y...
by LK2012
Wed Dec 07, 2016 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Impact of cancelling a long-standing credit card?
Replies: 12
Views: 1687

Re: Impact of cancelling a long-standing credit card?

Interesting question. I have a similar credit rating, and also regularly debate cancelling an AMEX green card that I've had since the 1980's because I don't want to pay the $55/year fee. I called them a while ago seeking to change to an AMEX Blue card, and they told me the same thing: you have to ca...
by LK2012
Wed Oct 19, 2016 4:32 pm
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 15665

Re: I bonds

The new rate will be 2.76% after November 1.

Based on past experience, it takes a couple weeks to process the I Bonds when you file a paper return. So if you sent your return by mail, my guess is that your I Bonds will be dated in November. But you never know ...
by LK2012
Wed Oct 19, 2016 1:49 am
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 15665

Re: New Ibond variable rate 2.76% on November 1st. Thoughts?

Tanelorn wrote: You'd have to pay me a lot more than $50 to deal with Treasury Direct, that's for sure.


I just don't get what the difficulty is with Treasury Direct. I find it pretty simple to use. What am I missing?
by LK2012
Tue Oct 18, 2016 6:07 pm
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 15665

Re: New Ibond variable rate 2.76% on November 1st. Thoughts?

Thanks for the I Bond update! 2.76% sounds good, and if there is a fixed component, all the better. I was buying I Bonds for a number of years, but stopped a couple years ago when interest rates were so low, and I was running out of cash to invest there. I will revisit them now. It's a lot better th...
by LK2012
Wed Sep 14, 2016 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Insane CPA bill, please advise
Replies: 23
Views: 4986

Re: Insane CPA bill, please advise

I would be really annoyed, too. Even if you quickly clarify that they failed to credit your earlier payments - and made mistakes in some of the other charges - I would be disappointed in their accounting!

By the way, what was the itemized charge for the 2 emails themselves?
by LK2012
Tue Sep 06, 2016 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for unemployed 64-year old broke friend
Replies: 87
Views: 12563

Re: Advice for unemployed 64-year old broke friend

I just want to say that you sound like a very good friend, frugalecon. This man is lucky to have you in his life.
by LK2012
Wed Aug 17, 2016 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting whole estate in life
Replies: 77
Views: 5475

Re: Gifting whole estate in life

As an aside, I wanted to clarify that, while I appreciate that everyone that turns up in this forum with a question like mine may have ulterior motives (although I couldn't find such discussion threads), I really wouldn't be here seeking advice from you if all I wanted was to rip my dad off. Thus, ...
by LK2012
Thu Jul 28, 2016 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Advice for 60+ year old
Replies: 12
Views: 1945

Re: Advice for 60+ year old

Oh, and she picked up a crossing-guard job through the schools for the fall.
by LK2012
Thu Jul 28, 2016 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Advice for 60+ year old
Replies: 12
Views: 1945

Re: Advice for 60+ year old

Although, if she want to work here, she could start accumulating credits toward Medicare. She would need 40 credits, or 10 years of work. I have a friend who moved here from England, and she's in her early 70's and needs a couple more years to get her credits. You don't even have to earn that much ...
by LK2012
Thu Jul 28, 2016 10:30 am
Forum: Investing - Theory, News & General
Topic: Vanguard Dividend Growth just closed (effective *now*)
Replies: 62
Views: 8241

Re: Vanguard Dividend Growth just closed (effective *now*)

I was just about to post this news too. Darn! I've been looking at this, and almost used it for a ROTH contribution in the past. Oh, well ...
by LK2012
Wed Jul 27, 2016 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for 60+ year old
Replies: 12
Views: 1945

Re: Advice for 60+ year old

Although, if she want to work here, she could start accumulating credits toward Medicare. She would need 40 credits, or 10 years of work. I have a friend who moved here from England, and she's in her early 70's and needs a couple more years to get her credits. You don't even have to earn that much p...
by LK2012
Wed Jul 27, 2016 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for 60+ year old
Replies: 12
Views: 1945

Re: Advice for 60+ year old

You will need to factor in health insurance, which can be a considerable expense.
by LK2012
Sun Jul 17, 2016 9:18 pm
Forum: Personal Consumer Issues
Topic: Car totaled, no collision insurance
Replies: 78
Views: 11018

Re: Car totaled, no collision insurance

Very unfortunate. A 2009 Forester with less than 70,000 miles definitely is just at the beginning of its life.

I'm assuming that even though you dropped collision and comprehensive, you still have auto insurance for the other stuff, like property damage and bodily injury liabilities. Right?
by LK2012
Fri Jul 15, 2016 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: I created dependency, now what?
Replies: 50
Views: 6346

Re: I created dependency, now what?

If unemployment is high and jobs are limited, it appears that it is not likely that someone in the family will be employed any time soon. If you withdraw your support, it is likely that the family will suffer. It depends on how you feel, and what you can do. You can always start talking to them abou...
by LK2012
Mon Jul 04, 2016 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: gift and estate tax and marriage (Washington state)
Replies: 28
Views: 2326

Re: gift and estate tax and marriage considerations

If your father has a terminal illness, you probably should really consult an expert on estate planning and taxation. Gifts that are given within three (3) years of death can be considered part of the taxable estate. Somebody well-versed in the intricacies of these matters could be invaluable in your...
by LK2012
Wed May 18, 2016 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Is it common for a step mother to inherit everything?
Replies: 105
Views: 28091

Re: Is it common for a step mother to inherit everything?

The post above by NotWhoYouThink said it best: "For those astounded that this is an issue, let this be a wake up call ... If you leave your kids out of your estate planning without giving them any insight into your plans or your rationale, they will be hurt and confused. You can keep your head...
by LK2012
Tue May 17, 2016 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Is it common for a step mother to inherit everything?
Replies: 105
Views: 28091

Re: Is it common for a step mother to inherit everything?

Find out if there was a will. The best way? Again, get a lawyer. That person will save you tons of time and heartache, and will get you an answer.