Search found 1119 matches

by AAA
Thu May 16, 2019 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Bigger car, less economical but more safe.. Get used to smaller car over time?
Replies: 72
Views: 4155

Re: Bigger car, less economical but more safe.. Get used to smaller car over time?

The website https://informedforlife.org addresses a lot of auto safety issues and its ratings appear to give a lot of weight (no pun intended) to vehicle weight.
by AAA
Wed May 15, 2019 10:23 am
Forum: Personal Investments
Topic: 0% LT Capital Gain Tax Question
Replies: 12
Views: 1191

Re: 0% LT Capital Gain Tax Question

florencenightingale wrote:
Mon May 13, 2019 10:03 am
I am optimizing my retirement investments, and moving older investments to the superior Vanguard funds.
By "retirement investments" are you referring to 401K or IRA money?
by AAA
Thu May 02, 2019 10:25 am
Forum: Personal Investments
Topic: Vanguard Intermediate-Term Tax-Exempt VWITX makes no sense?
Replies: 43
Views: 3889

Re: Vanguard Intermediate-Term Tax-Exempt VWITX makes no sense?

m@ver1ck wrote:
Thu May 02, 2019 10:14 am
And this is before the expense ratios - .17% vs .05%.
Are you thinking that the expense ratios are subtracted from the yields? The quoted yields include the expenses.
by AAA
Sat Apr 20, 2019 8:32 pm
Forum: Personal Consumer Issues
Topic: USPS In transit Arriving Late
Replies: 37
Views: 2991

Re: USPS In transit Arriving Late

I wouldn't request a refund on eBay - it appears the seller did his part to get it to you on time and the issue is with the Post Office. My experience with these things says that it's very likely you will get the package Monday. I sent a Priority Mail envelope to someone and it missed the expected d...
by AAA
Sat Apr 20, 2019 3:13 pm
Forum: Personal Investments
Topic: Vanguard security
Replies: 36
Views: 2626

Re: Vanguard security

HawkeyePierce wrote:
Sat Apr 20, 2019 2:28 pm
What threat are you trying to defend against?
Nothing specific. I guess I just thought in general that it's best to leave as little a trail as possible.
by AAA
Sat Apr 20, 2019 1:53 pm
Forum: Personal Investments
Topic: Vanguard security
Replies: 36
Views: 2626

Re: Vanguard security

I routinely clear my browser history any time I enter things like passwords or credit card numbers. I assume that is why Vanguard does not recognize my computer when I log in and initiates the 2-factor authentication. Isn't it just good practice to clear the browser in such circumstances?
by AAA
Sat Apr 13, 2019 7:37 am
Forum: Personal Investments
Topic: Secondary market CD's
Replies: 6
Views: 546

Re: Secondary market CD's

One more thing: besides commission, you may pay accrued interest. This is interest to the previous holder of the CD. When the interest payment date occurs, you get the full payment, so you pay at purchase the portion of that future payment that would be due to the seller. I'm wondering if when Vang...
by AAA
Sat Apr 13, 2019 7:33 am
Forum: Personal Investments
Topic: Secondary market CD's
Replies: 6
Views: 546

Re: Secondary market CD's

tfb wrote:
Fri Apr 12, 2019 6:22 pm
You pay the higher "ask" price when you buy (someone is "asking" you to pay that price). When you do, you will get the associated 2.461% yield, before commission.
If you pay the ask price, what is the reason for displaying the bid price?
by AAA
Fri Apr 12, 2019 6:12 pm
Forum: Personal Investments
Topic: Secondary market CD's
Replies: 6
Views: 546

Secondary market CD's

On Vanguard's website, I have always only purchased new issue CD's. I am curious to learn about secondary market CD's. I know that if you purchase a CD at premium the amount above par is not FDIC insured, but I have no idea what to do with this information: http://i68.tinypic.com/s46ib9.jpg So a few...
by AAA
Fri Apr 12, 2019 6:02 pm
Forum: Forum Issues and Administration
Topic: Uploading an image
Replies: 8
Views: 476

Re: Uploading an image

Thanks for the suggestions. The image, by the way, is very small so that's not the issue. It's that the link I get from Google Photos is to a web page not a file with an image file extension such as .jpg. Previously, I had used Picassa Web Albums and that gave a link with an image file extension. An...
by AAA
Fri Apr 12, 2019 12:37 pm
Forum: Forum Issues and Administration
Topic: Uploading an image
Replies: 8
Views: 476

Uploading an image

In Google Photos I can right-click on an image and copy the link. This link works when I test it by pasting into the URL area of a browser. When I click on the "Insert image" icon for the post and paste in the link, I get the following error message: It was not possible to determine the dimensions o...
by AAA
Fri Apr 12, 2019 7:35 am
Forum: Personal Investments
Topic: VUBFX (VUSFX admiral) vs. VMMXX [Vanguard Ultra-short bond vs. Prime money market]
Replies: 19
Views: 3164

Re: VUBFX (VUSFX admiral) vs. VMMXX [Vanguard Ultra-short bond vs. Prime money market]

sarabayo wrote:
Thu Apr 11, 2019 9:24 pm
Their default filters don't include funds with $50k+ minimum investments. You have to click the Filter button in the upper right hand corner of the table and then enable funds with $50k+ minimum investments.
Thanks for the information. I never noticed that button.
by AAA
Fri Apr 12, 2019 7:34 am
Forum: Personal Investments
Topic: Confused about contribution limits
Replies: 8
Views: 790

Re: Confused about contribution limits

No, you cannot just convert the non-deducted portion. Any conversion is pro-rated between deductible and non-deductible. If the process is too complicated, you can just pay tax again on the non-deducted portion since it’s small. Thanks for the conversion information and your suggestion makes sense....
by AAA
Thu Apr 11, 2019 9:20 pm
Forum: Personal Investments
Topic: VUBFX (VUSFX admiral) vs. VMMXX [Vanguard Ultra-short bond vs. Prime money market]
Replies: 19
Views: 3164

Re: VUBFX (VUSFX admiral) vs. VMMXX [Vanguard Ultra-short bond vs. Prime money market]

While Vanguard Prime is a very safe and well-run money market fund, due to federal regulations, arguably Vanguard Treasury Money Market (or Vanguard Federal for an investor who can't or doesn't want to meet the Vanguard Treasury $50,000 minimum balance) is a better choice. Why isn't Vanguard Treasu...
by AAA
Thu Apr 11, 2019 9:06 pm
Forum: Personal Investments
Topic: Confused about contribution limits
Replies: 8
Views: 790

Re: Confused about contribution limits

I have a related question. Years ago, we mistakenly made a relatively small contribution to my wife's traditional IRA thinking that it would be deductible. We submitted Form 8606 that year. I thought it was no big deal - when she started required minimum distributions we would take that amount out f...
by AAA
Thu Apr 04, 2019 8:15 pm
Forum: Personal Investments
Topic: A CD matured. Now what?
Replies: 13
Views: 2259

Re: A CD matured. Now what?

Good Luck, and let us know what you ultimately decide. Maybe what I'll do is just hedge my bets by putting half in a one year CD and leaving the other half in the Federal MM Fund, both of which have basically the same yield. If rates go up, the MM Fund yield should increase; if rates go down, I wil...
by AAA
Thu Apr 04, 2019 2:16 am
Forum: Personal Investments
Topic: Should I Choose a MMF or Savings account?
Replies: 21
Views: 2142

Re: Should I Choose a MMF or Savings account?

gmaynardkrebs wrote:
Wed Apr 03, 2019 4:42 pm
Vanguard Treasury MMF is riskless, and FWIW, state tax free.
Would Vanguard's Federal Money Market Fund have a similar level of risk?
by AAA
Wed Apr 03, 2019 8:19 am
Forum: Personal Investments
Topic: A CD matured. Now what?
Replies: 13
Views: 2259

Re: A CD matured. Now what?

I am buying T-bills. Rates dropped a little bit: 2.443% for 1-year T-bills at the last auction on 3/26/2019. No state tax and I defer the interest income to 2020. Okay, but that's not much different from an available CD, the saving of state income tax not making any significant difference in my cas...
by AAA
Tue Apr 02, 2019 6:56 pm
Forum: Personal Investments
Topic: A CD matured. Now what?
Replies: 13
Views: 2259

A CD matured. Now what?

A CD matured in my Vanguard IRA account and I'm not sure what to do. These funds are part of my very low risk asset allocation, and I also don't want to move them to another custodian at this time. Vanguard's best yields for 1, 2 and 3 year CD's are 2.35%, 2.40% and 2.45%. But the Federal MM account...
by AAA
Sat Mar 23, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: What consideration do you give to product reviews?
Replies: 23
Views: 1134

Re: What consideration do you give to product reviews?

Okay, here's an example. I'm looking for a simple power strip / surge protector. There's one by a well-known company with over 10,000 reviews with 78% 5-star and 12% 4-star ratings on Amazon. Only 5% are 1-star. So good so far. But reading the 1-star reviews, one finds comments such as these: "faile...
by AAA
Fri Mar 22, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: What consideration do you give to product reviews?
Replies: 23
Views: 1134

Re: What consideration do you give to product reviews?

Something like a negative that states perhaps "... really loved this toy until that little lever snapped off, and it's useless without that" - and IF we find another (or more) comment about the same failure, that's usually it. So that's similar to what I might do, but if there are a large number of...
by AAA
Fri Mar 22, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: What consideration do you give to product reviews?
Replies: 23
Views: 1134

What consideration do you give to product reviews?

Maybe it's not the best thing to do, but when I check out product reviews, such as on Amazon, I first go to the one and two stars. And if they compromise around 10% of the total reviews it usually is enough to make me move on to another product. I do that for two reasons. First, there is the possibi...
by AAA
Mon Mar 11, 2019 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: How to find the best Medicare Advantage plan?
Replies: 10
Views: 835

Re: How to find the best Medicare Advantage plan?

One thing to consider - does his employer have any health care benefit for retirees, such as an annual contribution to an HRA (Health Reimbursement Account), that's contingent upon his selecting the Medicare Advantage plan from a particular website? That's the case for me. I must choose the plan fro...
by AAA
Sun Mar 10, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Questions about drones
Replies: 15
Views: 1298

Re: Questions about drones

Along the lines of what Xpe said, I looked into getting a decent drone for non-professional photography/videography but was dissuaded due to the lack of places where it could be flown. There's a big park near me and I thought it would be nice to hike into it and fly the drone, but no, it's against t...
by AAA
Sat Mar 09, 2019 9:05 pm
Forum: Personal Investments
Topic: Your experience with Ally Raise Your Rate CD
Replies: 4
Views: 841

Re: Your experience with Ally Raise Your Rate CD

I've also found that, as rates overall have risen, Ally raised theirs both more slowly and also more unevenly than the market. Thanks for sharing your experience. By the above, are you referring to all their rates or the Raise Your Rate CD? That's my concern, that they don't have much incentive to ...
by AAA
Sat Mar 09, 2019 6:41 pm
Forum: Personal Investments
Topic: Your experience with Ally Raise Your Rate CD
Replies: 4
Views: 841

Your experience with Ally Raise Your Rate CD

Ally has the two year Raise Your Rate (RYR) CD, currently with a 2.6% APY, which is meant to give one some comfort knowing that one is not stuck with today's rate in the event rates go up substantially. I however have some reservations about this. For those of you who have used this CD in the past, ...
by AAA
Sun Mar 03, 2019 9:12 pm
Forum: Personal Investments
Topic: When does the power of compounding interest really kick in?
Replies: 53
Views: 6217

Re: When does the power of compounding interest really kick in?

blacksmith4's math is correct. If you invest P 0 pre-tax dollars for n years with interest rate r, my avatar shows the value, P, you end up with. If you then pay 40% tax on that, you end up with .6 P. You get the same result if instead of P 0 invested annually you invest .6 P 0 after-tax dollars. As...
by AAA
Tue Feb 26, 2019 8:34 pm
Forum: Personal Consumer Issues
Topic: Paypal wants my SSN
Replies: 12
Views: 3257

Re: Paypal wants my SSN

You would only receive a 1099 if you accepted a certain number of payments (somewhere around 200) and/or a certain dollar amount within a calendar year... Below is from the email PayPal sent me. It refers to a "balance account" linked to your current PayPal account as if it is something different. ...
by AAA
Sun Feb 24, 2019 9:10 pm
Forum: Personal Consumer Issues
Topic: Paypal wants my SSN
Replies: 12
Views: 3257

Re: Paypal wants my SSN

They want to make sure they can get that 1099 to you... Does this new policy refer to the standard PayPal account, which might have a balance at any given time, or some other interest bearing account with them? The former doesn't pay any interest and I have never received any type of tax statement ...
by AAA
Sat Feb 23, 2019 4:33 pm
Forum: Personal Investments
Topic: Individual bond fees
Replies: 32
Views: 1657

Re: Individual bond fees

Back when I was helping a family member with finances, the bond broker's transaction notice showed zero commission. His firm made its money by the price they charged vs. what they bought the bond for. I was told their markup could be anywhere from about 0.5% to 2%.
by AAA
Wed Feb 20, 2019 12:29 pm
Forum: Personal Consumer Issues
Topic: "good" binoculars for bird watching for eyeglasses wearer
Replies: 21
Views: 1492

Re: "good" binoculars for bird watching for eyeglasses wearer

Would 8x42 help me see them better than my 8x21 ? The 8x42 will gather more light than the 8x21 but the difference may not be noticeable. There is a small circle of light that exits the binoculars and that is where you place your eye pupil. The diameter of that circle is found by dividing the secon...
by AAA
Mon Feb 18, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Retention of income tax returns
Replies: 18
Views: 1718

Re: Retention of income tax returns

lws wrote:
Sun Feb 17, 2019 7:53 pm
A scanner is your friend.
As mentioned in my original post, I have been using a scanner. I have many more years of returns to go if it is necessary to keep them. That is the purpose for my post - to understand how to interpret the IRS recommendations for record retention.
by AAA
Sun Feb 17, 2019 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Retention of income tax returns
Replies: 18
Views: 1718

Re: Retention of income tax returns

Buy a document scanner, scan in all your prior tax returns and documents. Back it up somewhere, and throw out all your old paper copies (beyond the 3 year window). Best of both worlds. You still have all the documents, but they aren't taking up any space anymore. I have a scanner and have done that...
by AAA
Sun Feb 17, 2019 3:10 am
Forum: Personal Finance (Not Investing)
Topic: Retention of income tax returns
Replies: 18
Views: 1718

Re: Retention of income tax returns

I don't understand the rationale for keeping the returns but throwing out supporting documents, unless it's just for curiosity/nostalgia. Those are what would be needed if there were any challenge. And as there are several threads where people indicate what they do with the records there's no need t...
by AAA
Sat Feb 16, 2019 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Retention of income tax returns
Replies: 18
Views: 1718

Re: Retention of income tax returns

Depends on the type of property and whether there was some kind of replacement/exchange provision involved: Owner occupied home: My husband and I sold our previous home in 1989. We qualified to defer the capital gain on that previous home by purchasing a replacement home of higher cost within a two...
by AAA
Sat Feb 16, 2019 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Retention of income tax returns
Replies: 18
Views: 1718

Retention of income tax returns

Before anyone says anything - yes, I've searched the forum and found several threads but the replies are all over the place, with some people saying they keep these the minimum number of years and others saying they keep them indefinitely. I've been scanning our paper records for the past few years ...
by AAA
Tue Feb 12, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Tax Software Privacy
Replies: 11
Views: 1169

Re: Tax Software Privacy

The Mac versions of TurboTax 2014 and 2015 sent your data to Intuit's servers for printing. They fixed this in TurboTax 2016. The Windows version of TurboTax has always been able to print locally. Right, now that I recall it was just for Mac versions. Good to know it was fixed in case H&R does some...
by AAA
Sun Feb 10, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Software Privacy
Replies: 11
Views: 1169

Re: Tax Software Privacy

RickBoglehead wrote:
Sun Feb 10, 2019 6:26 pm
Been fling with TT for over 20 years and that's news to me.
This was was definitely the case for the 2014 tax year as I corresponded with a fairly high up guy at TT about it at the time and he confirmed, with assurances that it was safe to do.
by AAA
Sun Feb 10, 2019 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Software Privacy
Replies: 11
Views: 1169

Re: Tax Software Privacy

A few years back, TurboTax required returns to be sent to their server for formatting so they could be printed locally using their desktop software. That was a no-no for me. The issue is not necessarily abuses by these companies but hacking, software bugs, etc. that could compromise the information....
by AAA
Fri Feb 01, 2019 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Cards - Autopay inconsistent across companies?
Replies: 40
Views: 1701

Re: Credit Cards - Autopay inconsistent across companies?

I generally don't like giving any vendor / company the checking account info to allow them to just do a pull from my account. It seems like a single snafu can result in everything in my checking account getting drained out, and taking me months to get it fixed with whoever did the pull. Related to ...
by AAA
Tue Jan 29, 2019 9:50 pm
Forum: Personal Investments
Topic: Help buy a CD for RMD in 3 years
Replies: 34
Views: 2132

Re: Help buy a CD for RMD in 3 years

The $1,000,000 refers to how much is available to purchase, not the minimum amount, but you can verify by calling Fidelity. As for the CD itself, it looks fine to me - FDIC insured (as all of Fidelity's would be), survivor option, call protection, etc. It pays interest twice a year. Some pay monthly...
by AAA
Sun Jan 13, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Stay in private practice medical or take VA job offer?
Replies: 45
Views: 3746

Re: Stay in private practice medical or take VA job offer?

Especially since the folks who are in between CAN NOT understand why you are doing it since they aren't even in the same field of your expertise (medicine vs. business folks). No large organization can be more efficient then a smaller organization. I agree and have had managers in megacorp who had ...
by AAA
Sun Jan 13, 2019 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: When and how to report income
Replies: 12
Views: 867

Re: When and how to report income

Good Listener wrote:
Sun Jan 13, 2019 3:25 pm
How much income are we talking about per year? Do the other folks know he is compensating himself?
The answer to your first question is maybe a few hundred dollars.

I'll skip your second question unless the answer is relevant to the information we are seeking,
by AAA
Sun Jan 13, 2019 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: When and how to report income
Replies: 12
Views: 867

Re: When and how to report income

I have been intentionally vague about my acquaintance's activity so as to focus just on the income tax aspects. Let's not be judgmental about the income he is deriving especially as that would be unfair to do without knowing the specifics of the situation.
by AAA
Sun Jan 13, 2019 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: When and how to report income
Replies: 12
Views: 867

When and how to report income

An acquaintance of mine asked for some business-related tax advice, but as he and I only have experience with personal income taxes I offered to post some questions here. The situation is that he started an interest group that occasionally meets at various venues. He adds a nominal amount to the fee...
by AAA
Sun Jan 13, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Stay in private practice medical or take VA job offer?
Replies: 45
Views: 3746

Re: Stay in private practice medical or take VA job offer?

staythecourse wrote:
Fri Jan 11, 2019 6:58 pm
In exchange you are getting into a situation you have admin. incompetence to the upteenth level in the government
Having spent a career dealing with management incompetence in a mega corp, I always find such generalizations to be somewhat of an exaggeration.
by AAA
Wed Jan 09, 2019 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Social Security
Replies: 10
Views: 1024

Re: Applying for Social Security

Although I do most things online these days, I prefer to deal with people face to face for things like this so I made an appointment at a nearby Social Security office when it was time to apply for Soc. Sec. and Medicare. The agent was knowledgeable and helpful and everything went smoothly. We did t...
by AAA
Sun Jan 06, 2019 7:05 pm
Forum: Personal Consumer Issues
Topic: Vanguard Statements - Print or Electronic
Replies: 47
Views: 2795

Re: Vanguard Statements - Print or Electronic

I keep (multiple copies of) the most recent statements. I guess I do this so that in the event of a big IT disruption I could have documentation of my account. But I sometimes wonder - as it is probably easy to fabricate such documents, would Vanguard or other entity actually reconstitute my account...
by AAA
Fri Dec 28, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Tips on preventative home maintenance?
Replies: 43
Views: 4931

Re: Tips on preventative home maintenance?

WhyNotUs wrote:
Thu Dec 27, 2018 11:50 pm
• Refrig. coils vacuumed
I used to do this periodically with our last refrigerator but we recently got a new G.E. one and I didn't see any easy access to the coils. I called G.E. about this and they said there is no need to do it. Does that sound right?
by AAA
Wed Dec 26, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: eBay Sellers Ratings and Avoidance
Replies: 4
Views: 562

Re: eBay Sellers Ratings and Avoidance

If you want to be even more careful with big items, check the seller's feedback record for recent sales. Someone with a high feedback % might start to go downhill and if he is a large volume seller his feedback % won't be affected for a while. 90% would be too low for me. Yes, it's true about eBay a...