Search found 143 matches

by hillman
Mon Aug 21, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade through Apple vs through carrier
Replies: 19
Views: 1903

Re: iPhone upgrade through Apple vs through carrier

GuitarGuy, I wanted to bring something to your attention that may have no bearing on your situation. I participate in the upgrade program through Apple and have been happy with it so far (coming up on my first anniversary). I started the program with Sprint but jumped ship to Verizon two months ago....
by hillman
Mon Aug 21, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: "Forget Tough Passwords: New Guidelines Make It Simple"
Replies: 43
Views: 5734

Re: "Forget Tough Passwords: New Guidelines Make It Simple"

This is great advice that is, unfortunately, nearly useless, since almost every site requires capital letters, numbers and special characters thrown in. Exactly. Ever site/program/workplace has different password requirements. Some require capital letters or special characters, some prohibit them. ...
by hillman
Mon Aug 15, 2016 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Taxes (FICA) on Inherited IRA RMD's?
Replies: 2
Views: 475

Re: Taxes (FICA) on Inherited IRA RMD's?

No, the distributions from the inherited IRA's are not subject to FICA. Only earned income is subject to FICA taxes.
Also, the roth IRA should not be subject to income taxes.

Sorry for your loss.
by hillman
Fri Apr 08, 2016 5:28 pm
Forum: Personal Consumer Issues
Topic: My new car is due today, does anybody else collect?
Replies: 26
Views: 4688

Re: My new car is due today, does anybody else collect?

In the words of the lower denizens of the interwebs, "Pics or didn't happen." :P

Congratulations on the additions.
by hillman
Tue Mar 29, 2016 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Home Sale Exclusion - 1099-S question
Replies: 5
Views: 464

Re: Home Sale Exclusion - 1099-S question

It gets, potentially, worse. Did you depreciate the house while it was a rental? You'll need to familiarize yourself with depreciation allowed and allowable.
https://www.irs.gov/uac/Depreciation-Reminders
by hillman
Thu Jan 14, 2016 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: IRS IP PIN Received Today but for Tax Year 2014?
Replies: 36
Views: 5188

Re: Finally got my IRS IP PIN and .....

Had a client with this issue earlier in the week. Per the representative we spoke with, there was an error in their printing of the PIN notification letters. The PIN is correct and will work. Please feel free to call the Service and confirm. If they give contradictory information, please post so we ...
by hillman
Fri Jan 08, 2016 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: RMD question
Replies: 12
Views: 1229

Re: RMD question

Wanted to bring up another option. What, if any, charitable gifting plans do you have for the year? Depending on the size of your planned contributions and the size of your RMD, a qualified charitable contribution (QCD) directly from your custodian to the charity is a very tax efficient way of satis...
by hillman
Thu Jan 07, 2016 4:03 pm
Forum: Investing - Theory, News & General
Topic: Lottery, Charity and Tax Question
Replies: 1
Views: 270

Re: Lottery, Charity and Tax Question

Not quite. Charitable contributions are one of the itemized deductions that can be limited based on AGI levels. m ETA: Just dropped the numbers in for a 2015 return (no other activity). Winning a $400mm payout and donating $300mm would reduce your federal tax burden from $158,353,874 to $83,905,301,...
by hillman
Fri Jul 24, 2015 8:12 am
Forum: Personal Consumer Issues
Topic: How to pay taxes on blog income?
Replies: 53
Views: 4721

Re: How to pay taxes on blog income?

Should OP consider getting a separate checking account/payment card to avoid commingling business and personal transactions and make filing easier? Yes. Yes. Yes. This is the simplest way to create a record of income, expenses, and other activities. Everything related to the blog should be deposite...
by hillman
Fri Jul 17, 2015 9:49 am
Forum: Investing - Theory, News & General
Topic: Pros and cons of adding Roth Option to 401K Plan
Replies: 103
Views: 8040

Re: Pros and cons of adding Roth Option to 401K Plan

mp223 wrote:I have some anxiety at times about the government's promise the gains will be totally tax free. For me, 40 years is an awfully long time to have that kind of faith.

You are not alone, my friend. :(
by hillman
Fri Jul 17, 2015 9:47 am
Forum: Forum Issues and Administration
Topic: In praise of the "Print/Export" function
Replies: 3
Views: 1288

In praise of the "Print/Export" function

I wanted to take a moment and draw attention to a tool that I have never noticed on the wiki before: "Download as PDF." Other sites have similar functions, but I have never come across one so well executed. The generated document is formatted nicely and has a very polished and professional...
by hillman
Thu Jul 09, 2015 4:21 pm
Forum: Personal Consumer Issues
Topic: Shower door or curtain for bathroom remodel
Replies: 61
Views: 7827

Re: Shower door or curtain for bathroom remodel

I have this shower curtain rod in my guest bath (tub/shower combo) and really like it http://www.lowes.com/pd_431047-336-35614SSDMV_0__?productId=50113312&store_code=786&cm_mmc=SCE_PLA-_-FashionFixtures-_-CurtainsRodsRingsAndLiners-_-50113312:allen_+_roth&CAWELAID=&kpid=50113312&...
by hillman
Sun Mar 01, 2015 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 1 Mill for 75 year old parent
Replies: 18
Views: 2296

Re: Investing 1 Mill for 75 year old parent

Fidelity uses a slightly different name for their targeted funds. They can be found at:
https://www.fidelity.com/mutual-funds/a ... s/overview

Good luck.
by hillman
Mon Jan 19, 2015 5:39 pm
Forum: Personal Consumer Issues
Topic: Moca Adapters
Replies: 12
Views: 1576

Re: Moca Adapters

I have my parents' home networked using the Channel Master line of the MoCa product: m I went this route as they have a 'party house' next door that needed to share the internet for video and music streaming. There are three apple tv's connected to the MoCa network and they've been very happy with t...
by hillman
Sat Nov 15, 2014 7:55 am
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 37
Views: 5332

Re: fidelity refusing custodian custodian rollover

Going the check route, make sure Fidelity does not withhold any funds for taxes. Unless you have the cash to cover the difference when making the deposit to Vanguard. This way all the distributed funds are contributed to a qualified plan preventing any taxes/penalty.
by hillman
Sat Sep 13, 2014 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Deduction for Charitable Contributions at Businesses
Replies: 15
Views: 1433

Re: Tax Deduction for Charitable Contributions at Businesses

coffeehubcap wrote:What I’m curious about, since I’m taking my RMD this year for the first time, can my charitable contributions qualify as part of my RMD?


Can't find where this has been extended past 12/31/13. Hopefully they'll bring it back.

http://www.irs.gov/Retirement-Plans/Cha ... 2-and-2013
by hillman
Wed Jul 30, 2014 2:56 pm
Forum: Investing - Theory, News & General
Topic: Misleading information on tax loss harvesting wiki article
Replies: 34
Views: 2052

Re: Misleading information on tax loss harvesting wiki artic

Any accumulated carryover loss is also lost when you die, so selling before you die may not help. Better to just not die. You can remarry to pass it along. That might do the same for your SS record too. Distinguished SWM looking for someone who likes books, walks on the beach and [changed before La...
by hillman
Wed Jul 23, 2014 8:28 am
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 78
Views: 16342

Re: Riding the Rails--my Amtrak trip

Pick up a copy of the July (2014) Harper's. Kevin Baker's piece entitled "21st Century Limited" chronicles his travel cross-country on Amtrak. If you can't find one, PM me with a mailing address for you along the way, and I'll pop a copy in the mail to you. For those who cannot wait for J...
by hillman
Wed Jul 23, 2014 8:20 am
Forum: Personal Consumer Issues
Topic: Anyone been to Charleston, SC?
Replies: 27
Views: 2130

Re: Anyone been to Charleston, SC?

Drinks and lunch at High Cotton (Do not be intimidated by the decor as it can appear a little fancy, the staff is wonderful and the food and cocktails are great) Slightly North of Broad (SNOB) for supper was also great, though reservations are probably needed. If you're a drinker, Charleston has a g...
by hillman
Sun Jul 13, 2014 9:51 am
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 389
Views: 198289

Additional link to Managing a Windfall in the Wiki

[Thread merged, see below. --admin LadyGeek] Vanguard has composed an overview on managing a financial windfall. The information is not new, but I thought it might benefit from being linked to in the Wiki. m Moderators, please delete this post once consideration is given. I was unsure how to make t...
by hillman
Thu Jul 10, 2014 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Amazon.com Rewards Visa card from Chase
Replies: 35
Views: 111746

Re: Amazon.com Rewards Visa card from Chase

I can't answer your questions but I took similar offer and use this as my main card.No problems 3% back restraunts and amazon,2% everything else.I also got email saying 3% gas but I use public transportation so I'm not sure John Its 1% everything else and 2% restaurants. You had me excited for a se...
by hillman
Thu May 01, 2014 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Submitting An Amended Fed. Tax Return
Replies: 5
Views: 670

Re: Submitting An Amended Fed. Tax Return

Wrong. Deleted. Sorry.
by hillman
Tue Apr 15, 2014 7:31 am
Forum: Personal Finance (Not Investing)
Topic: The slackening...
Replies: 61
Views: 9372

Re: The slackening...

Two things. 1) Scion means descendant, not ancestor. I remember having to look this word up 15 years ago because one of my favorite authors used the word in one of his titles. 2) I have the reverse feeling of this. I look at what my parents and grandparents have accomplished (wow, thank you) and won...
by hillman
Tue Mar 25, 2014 6:24 am
Forum: Personal Consumer Issues
Topic: BBQ Road Trip
Replies: 50
Views: 4663

Re: BBQ Road Trip

Allen & Son
6203 Millhouse Rd
Chapel Hill, NC 27516

There are two Allen & Sons; I can not speak to the one in Pittsboro. But if you're in the Triangle area, their bbq sandwich is pretty tough to beat.

Have a fun trip. Sounds like a great time.
by hillman
Tue Feb 04, 2014 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Pay extra on principal for Rental or Primary
Replies: 17
Views: 1213

Re: Pay extra on principal for Rental or Primary

In addition to what Cigarman said: - What state are you living in? I ask because NC just capped mortgage interest and property tax deductions on your primary residence at $20k. If you live there, your benefit could be limited, providing greater value to pay down the personal residence faster than th...
by hillman
Sat Dec 28, 2013 3:54 pm
Forum: Personal Consumer Issues
Topic: Cash in Your Wallet
Replies: 93
Views: 5894

Re: Cash in Your Wallet

Barefootgirl wrote:I swipe everywhere so I can track in Mint and earn cash rewards.

Hi, could someone point me to the link for more info on this program? Thanks



Mint.com

Also, there have been several posts on this site arguing the pros/cons and security concerns.
FWIW, I'm a user.
by hillman
Fri Dec 27, 2013 9:55 am
Forum: Investing - Help with Personal Investments
Topic: What size portfolio are you managing Bogle style?
Replies: 48
Views: 4995

Re: What size portfolio are you managing Bogle style?

I'm currently the lone 5-figure vote. But I'm only in my second year of retirement investing and I should hit six figures in 3 years.

Please ask again in 2016. :P

Happy holidays to everyone, and thanks to all who contribute to this site. :sharebeer
by hillman
Tue Nov 26, 2013 4:39 pm
Forum: Investing - Theory, News & General
Topic: MYRA OFF TOPIC UNTIL ACTIONABLE (merged threads)
Replies: 68
Views: 6010

Re: R-Bonds

Found this:
http://www.retirementtownhall.com/?p=56 ... 4WDMr.dpbs

Hope it helps.

Edit to add: And this adds nothing to the conversation as it just references back you your article. It does say that the treasury is looking to deploy these in January, but there isn't a source. :annoyed
by hillman
Mon Nov 11, 2013 3:08 pm
Forum: Personal Consumer Issues
Topic: Installing Video Surveillance
Replies: 11
Views: 1841

Re: Installing Video Surveillance

At least where I live, attic insulation isn't foam, it's a blown in cellulose product, so it's easy to move. I ran cable ties on the underside of the roof on every rafter -- using a base like this to fasten it to the underside of the rafter. Cable ties are left open so that future cable can be thre...
by hillman
Sun Nov 10, 2013 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance -- moving toward income
Replies: 15
Views: 2823

Re: Large Inheritance -- moving toward income

First, I'm sorry for you loss. Second, a helpful search term for your needs might be 'windfall.' Also, the wiki has reading list. You've come to a great place. Search the forum and wiki. Don't be afraid to ask questions (and don't feel too bad if someone else has already asked the question, a great ...
by hillman
Tue Nov 05, 2013 5:53 am
Forum: Investing - Theory, News & General
Topic: Brent Arends: you can beat the market with smart timing
Replies: 89
Views: 7362

Re: Brent Arends: you can beat the market with smart timing

Mel Lindauer wrote:There's an old saying that the Market-Timing Hall of Fame is an empty room.
with a revolving door.

Another saying that I really like, which I picked up here, is "to beat the market, you have to be right twice."
by hillman
Mon Nov 04, 2013 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: HSA extra funding
Replies: 9
Views: 1098

Re: HSA extra funding

Looks like an_asker could is right (and I am wrong and thanks!) "Self-only HDHP coverage is an HDHP covering only an eligible individual. Family HDHP coverage is an HDHP covering an eligible individual and at least one other individual (whether or not that individual is an eligible individual)....
by hillman
Mon Nov 04, 2013 10:40 am
Forum: Investing - Help with Personal Investments
Topic: HSA extra funding
Replies: 9
Views: 1098

Re: HSA extra funding

[...]Benefiting from HDHP family coverage when everyone else in your family also has non-HDHP coverage looks like it shouldn't be allowed, but I couldn't find anything in IRS Publication 969 which forbids it. Wow! Didn't realize this loophole existed! Unfortunately, it doesn't. The ninth item from ...
by hillman
Fri Nov 01, 2013 10:37 am
Forum: Investing - Theory, News & General
Topic: IRS announces 2014 IRA & employer plan contribution limits
Replies: 16
Views: 2314

Re: 2014 Inflation Adjustments

sscritic wrote:Here is the previous post giving a link to the IRS announcement.

viewtopic.php?f=10&t=125700

Lady Geek will be along shortly to merge the two threads.


Thank you. Also, glad you're back; the board is a better place for it.
by hillman
Fri Nov 01, 2013 9:14 am
Forum: Investing - Theory, News & General
Topic: IRS announces 2014 IRA & employer plan contribution limits
Replies: 16
Views: 2314

2014 Inflation Adjustments

[Thread merged by request, see below. --admin LadyGeek] This is a link to a Journal of Accountancy article that provides some information on 2014 adjustments to the myriad of inflation-tied tax and retirement items. More importantly, it provides the IRS releases that will direct you to all of the r...
by hillman
Tue Sep 03, 2013 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Solar Power for our home
Replies: 8
Views: 1196

Re: Solar Power for our home

Had this conversation with a guy whose company is in the energy sales business (gas, oil, propane, and solar systems , thermal and photo-voltaic). I'm in the process of renovating a house and wanted to get his take on the feasibility of a PV system for my new home. His advice, and I believe it is so...
by hillman
Tue Aug 27, 2013 2:59 pm
Forum: Investing - Theory, News & General
Topic: Socially Responsible Investing
Replies: 105
Views: 9077

Re: Socially Responsible Investing

The difficulty is that one man's "social responsible" is another man's flummery. This is for, you know, anyone that didn't know what flummery meant. Because I totally did. flum·mer·y ˈfləmərēSubmit noun 1. empty compliments; nonsense. "she hated the flummery of public relations"...
by hillman
Mon Aug 26, 2013 2:02 pm
Forum: Investing - Theory, News & General
Topic: FT Article: Bogle Responds to 'Parasite' Tag
Replies: 16
Views: 4361

Re: FT Article: Bogle Responds to 'Parasite' Tag

I'm going to save LadyGeek some stress and just state:

[Edited because this is a polite crowd] [Thanks --admin LadyGeek]
by hillman
Tue Aug 20, 2013 7:50 am
Forum: Personal Consumer Issues
Topic: Kindergarten Struggles
Replies: 39
Views: 5889

Re: Kindergarten Struggles

An additional word of warning. Some teachers used to be more than eager to push Ritalin as the solution for disruptive children. Don't know if his is still the case, but don't accept anything like this without a doctor's approval. As a pediatrician who frequently works up and manages ADHD, I would ...
by hillman
Fri Aug 02, 2013 4:28 pm
Forum: Forum Issues and Administration
Topic: Where to find a bogleheads like community for small business
Replies: 14
Views: 1862

Re: Where to find a bogleheads like community for small busi

Let the hijacking continue! I third a sub-forum!
by hillman
Wed Jul 31, 2013 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Over Funded Roth
Replies: 14
Views: 1459

Re: Over Funded Roth

I just went online and saw two 5498 form for taxable Year 2012. The second shows. The box "Corrected (if checked) has an X (OMB No. 1545-0747) Column (10) Roth IRA Contributions shows $5000. In the instructions (10) says do not deduct taxes. Nothing else on the form. Then the custodian has ack...
by hillman
Tue Jul 30, 2013 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Splitting a couple's Vanguard
Replies: 10
Views: 1306

Re: Splitting a couple's Vanguard

Also, if it matters, she has no income; I would send her half my pension and SS until a reconciliation or until a different arrangement was made in a divorce, which I don't want because she'd lose her medical and drug and dental coverage. Any words of wisdom? First, I'm sorry you're having to go th...
by hillman
Mon Jul 29, 2013 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo - Sent Unsolicited Credit Cards
Replies: 17
Views: 2177

Re: Wells Fargo - Sent Unsolicited Credit Cards

frugaltype wrote:This would make me a little nervous. I would call them and ask why the cards were sent, and hope it wasn't because someone was messing with my identity. Then I would be sure the cards were canceled.


This. Unfortunately you have a couple of boring phone calls in your future. :(
by hillman
Fri Jul 26, 2013 7:27 am
Forum: Investing - Theory, News & General
Topic: 72% 401K Contribution - My Wife Worries People Will Wonder!
Replies: 53
Views: 7254

Re: 72% 401K Contribution - My Wife Worries People Will Wond

Max that sucker out. Context is such a great thing: "Max the sucker out" when referring to a credit card --> "Max the sucker out" when referring to a 401K --> I'm with Userdc on this one. . . MAX THE SUCKER OUT!! And congratulations on such a great financial situation. Sounds li...
by hillman
Tue Jul 23, 2013 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Over Funded Roth
Replies: 14
Views: 1459

Re: Over Funded Roth

I made a $5000 contribution in January and $3000 in July. He described moving $3000 to 2012 since I only made $2000 in contributions. It sounds like a clerical error occurred. A similar thing happened to me during January of this year, my SIMPLE IRA contributions from December were misapplied to 20...
by hillman
Mon Jul 22, 2013 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Over Funded Roth
Replies: 14
Views: 1459

Re: Over Funded Roth

I mistakenly over funded my Roth IRA for 2013. I had underfunded my 2012 and have worked out with the financial institution to transfer the overfunded monies to 2012. Is there anything I need to advise the IRS? What is the timeline of events? If the contributions deemed for 2012 occurred prior to A...
by hillman
Fri Jul 19, 2013 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Best HSA for Vanguard investing
Replies: 6
Views: 1489

Re: Best HSA for Vanguard investing

One final question I've come across. I am self employed and operate as a corporation. Is there any benefit to employer funding through the corporation as opposed to contributing myself? I haven't been able to find anything suggesting that's the case, but just wanting to make sure I'm not missing an...
by hillman
Wed Jun 19, 2013 12:07 pm
Forum: Personal Consumer Issues
Topic: Installing lightning rods - who, how much?
Replies: 19
Views: 1878

Re: Installing lightning rods - who, how much?

You mention a discount on your homeowner's insurance; what about contacting your local agent to see if they can recommend anyone? They may not because of liability issues, but you never know. Way to be proactive. Too often, when tragedy strikes, we're haunted by "should've's" and "cou...
by hillman
Tue Apr 23, 2013 3:12 pm
Forum: Personal Consumer Issues
Topic: Personal Finance Book Recs
Replies: 3
Views: 685

Re: Personal Finance Book Recs

Sorry your brother's having to go through this. Hopefully he'll find himself in a better place soon.* The wiki has an article dedicated to this question: m Hope this helps. *edited to clarify: I hope your brother gets to a better place emotionally, financially, etc; not "I hope he's in a better...