Search found 157 matches

by LK2012
Sat Aug 19, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: I'm Giving Up Golf
Replies: 57
Views: 12263

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: 7419

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: 2234

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: 2234

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: 19320

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: 1810

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: 1810

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: 1810

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: 3621

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: 11998

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: 833

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: 6930

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: 770

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: Personal Consumer Issues
Topic: GETYAHOO broken? [Spreadsheet extension]
Replies: 16
Views: 1945

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: 4407

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: 884

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: 1356

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: 1356

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: 2094

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: 7310

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: 2547

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: 1628

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: 15249

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: 15249

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: 15249

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: 4949

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: 12259

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: 5360

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: 1908

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: 1908

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: 8053

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: 1908

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: 1908

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: 9627

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: 6223

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: 2259

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: 24385

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: 24385

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.
by LK2012
Mon May 16, 2016 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is it common for a step mother to inherit everything?
Replies: 105
Views: 24385

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

Your situation sounds very sad and painful. It might be worth a chat with an attorney to see what your options are for seeing what was in your father's will, if he had one.
by LK2012
Sun Apr 17, 2016 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: How Did You File Your Income Taxes for 2015?
Replies: 101
Views: 7481

Re: How Did You File Your Income Taxes for 2015?

Done by myself. Filed on Paper. Old school.
by LK2012
Wed Feb 10, 2016 9:02 am
Forum: Personal Consumer Issues
Topic: 2007 Prius - To repair or NOT - $3K bill and car worth maybe $6K
Replies: 17
Views: 2488

Re: 2007 Prius - To repair or NOT - $3K bill and car worth maybe $6K

If this is a "known issue" it wouldn't hurt to contact Toyota and see if they will pay for at least a portion of the repair. In 2008 I paid a lot to repair the head gaskets in my Subaru (into the thousands), and found out a few years later that Subaru was reimbursing owners who contacted t...
by LK2012
Wed Feb 10, 2016 8:28 am
Forum: Personal Consumer Issues
Topic: Medical Monitoring Device for Elderly
Replies: 8
Views: 888

Re: Medical Monitoring Device for Elderly

My parents - and my mother-in-law - use Great Call (www.greatcall.com), and it has been excellent. For my mother-in-law, we got the Splash device, that allows the user to push a button for instant help, and it also has optional Fall Detection. The device is about $50, and the 5 Star Urgent Response ...
by LK2012
Wed Jan 06, 2016 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Reallocate all funds in old 401k to TIAA Traditional?
Replies: 5
Views: 655

Re: Reallocate all funds in old 401k to TIAA Traditional?

Thanks! I'll need to try to read up on TIAA Traditional some more, but will probably end up moving my old funds into the TIAA Traditional. You probably should call TIAA-CREF and speak with someone about this directly. I have TIAA-CREF now through my job, and I was contributing to TIAA Traditional w...
by LK2012
Tue Jan 05, 2016 12:23 pm
Forum: Personal Consumer Issues
Topic: How often does your credit card # get stolen?
Replies: 73
Views: 5642

Re: How often does your credit card # get stolen?

It happened to me a couple times over the last 10 years, and then 2-3 years ago, it started happening about once a year. Most recently, in July I used my USAA AMEX to buy gas in NJ, where I live, at a station I've purchased from before without any problems, and by the next day, I was getting a call ...
by LK2012
Sun Dec 27, 2015 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Individual Stock Capital Gains issues - Own both Pfizer and Chubb
Replies: 3
Views: 1298

Re: Individual Stock Capital Gains issues - Own both Pfizer and Chubb

Just wanted to bump this. Posting right before Christmas probably helped it get lost. Still have questions about the Short Term vs Long Term aspect, and taking action on Chubb vs Pfizer. Will need to make a decision this week, obviously.
by LK2012
Sat Dec 26, 2015 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: VG Total Stock vs TRP Cap Appreciation in a taxable account?
Replies: 12
Views: 1617

Re: VG Total Stock vs TRP Cap Appreciation in a taxable account?

Well, I love TRP Cap Appreciation in my ROTH IRA.

But it distributed between 9-10% in Income/STCG/LTCG each year in the past couple of years, so for me having it in a tax-exempt space is ideal.
by LK2012
Fri Dec 25, 2015 2:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You
Replies: 60
Views: 6621

Re: My Christmas Gift to You

Merry Christmas, Taylor!

Thank you for the reminder about the sacrifices of so many, including yourself, so that we can enjoy peace and freedom today.

Have a wonderful day, and a Happy New Year too!
by LK2012
Thu Dec 24, 2015 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Individual Stock Capital Gains issues - Own both Pfizer and Chubb
Replies: 3
Views: 1298

Re: Individual Stock Capital Gains issues - Own both Pfizer and Chubb

Chubb shareholders will receive $62.93 per share in cash and 0.6019 shares of ACE stock. ACE stock is at approximately $118. Chubb stock is at approximately $133. With those numbers, Chubb shareholders will get $133.95, which does imply that the merger is expected to happen. Therefore, if you sell ...
by LK2012
Thu Dec 24, 2015 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Capital Gains Harvesting
Replies: 9
Views: 1167

Re: Capital Gains Harvesting

... I just ran some on taxcaster, quite a nifty piece of software, takes a lot of things into consideration, impressed: m Another vote for free Taxcaster for a quick initial estimate. This is what I use to estimate the amount I can Tax Gain Harvest each year. Lays everything out in a clear and simp...