Search found 1351 matches

by Tamales
Fri Mar 15, 2019 12:23 am
Forum: Personal Finance (Not Investing)
Topic: My RSU are causing a tax nightmare
Replies: 15
Views: 2066

Re: My RSU are causing a tax nightmare

At vesting the federal income tax on RSUs is calculated at the supplemental income rate (currently 22% regardless of your W4 exemptions or your tax bracket). State and FICA are also taken out. Tax is commonly paid via shares, so the 22% for federal isn't precisely 22% and may be incrementally more s...
by Tamales
Thu Mar 14, 2019 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring Early and losing RSUs
Replies: 32
Views: 2476

Re: Retiring Early and losing RSUs

No matter what, you'll never get all of your rsu's. You can work till you die and you'll still leave some on the table. You are wrong to assume this is how all RSU plans operate. My MegaCorp paid out 100% of unvested RSUs upon death of the in-service employee. They also paid out 100% remaining RSUs...
by Tamales
Mon Mar 11, 2019 2:59 pm
Forum: Investing - Theory, News & General
Topic: Sell RSUs when stock is significantly down?
Replies: 20
Views: 1251

Re: Sell RSUs when stock is significantly down?

The whole process behind RSUs is a form of handcuffed market timing. You understand the risks of holding in hopes of it getting closer to its originally implied value, so if you want to hold, hold.
by Tamales
Wed Mar 06, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: Anybody have a vehicle with ventilated driver's seat?
Replies: 25
Views: 1310

Re: Anybody have a vehicle with ventilated driver's seat?

There are two types of ventilated driver's seats and the performance of each seat is significantly different. The first is forced AC. This forces cool AC air out of the perforated seats to cool you. This is the seat available on the Benz and Lexus and works as expected (push button, cool air comes ...
by Tamales
Wed Mar 06, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: Anybody have a vehicle with ventilated driver's seat?
Replies: 25
Views: 1310

Re: Anybody have a vehicle with ventilated driver's seat?

No, but I did have a Ford F-150 for a year as a company vehicle that had cooled leather seats. Like, blows actual cold air on your butt. Those were great. I don't see mere "ventilated" seats being that worthwhile though. Oh, that is what I thought the poster was asking. I can't imagine having venti...
by Tamales
Wed Mar 06, 2019 12:13 am
Forum: Personal Consumer Issues
Topic: Anybody have a vehicle with ventilated driver's seat?
Replies: 25
Views: 1310

Re: Anybody have a vehicle with ventilated driver's seat?

No, but I did have a Ford F-150 for a year as a company vehicle that had cooled leather seats. Like, blows actual cold air on your butt. Those were great. I don't see mere "ventilated" seats being that worthwhile though. If the f150 did have air conditioned seats at one time, it no longer does. Now...
by Tamales
Tue Mar 05, 2019 10:36 pm
Forum: Personal Consumer Issues
Topic: Anybody have a vehicle with ventilated driver's seat?
Replies: 25
Views: 1310

Anybody have a vehicle with ventilated driver's seat?

This sounds like a great feature in principle, especially when getting into a heat-soaked vehicle in the summer. But I've test-drive a few different vehicles with ventilated seats and I was less than awed by them. I couldn't really feel any air flow, and if someone shut it off without me knowing, I'...
by Tamales
Sun Mar 03, 2019 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Ally bank auto financing
Replies: 1
Views: 285

Ally bank auto financing

I have an Ally account, and was perusing their website. I see they have auto financing, but it seems kind of fishy. They don't quote any rates. Instead they require you to work through one of their approved local dealers. https://www.ally.com/auto/personal/ Anyone financed a new car through Ally? Di...
by Tamales
Fri Mar 01, 2019 9:10 pm
Forum: Personal Consumer Issues
Topic: Clearcoat Problem
Replies: 7
Views: 1432

Re: Clearcoat Problem

Not that uncommon for a car of that age, especially if it lived a good part of its early life in a sunny location. You can't really get advice on these sorts of things by posting photos. Take it in to a reputable auto detailer (i.e. someone who posts impressive before/after shots of paint correction...
by Tamales
Mon Feb 25, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Favorite youtube channels?
Replies: 65
Views: 5623

Re: Favorite youtube channels?

Someone recently sent me a link to Rick Beato's " What Makes This Song Great " video series. It's a really engaging series of videos where he dissects songs into their constituent tracks and provides commentary and history. LINK: https://www.youtube.com/watch?v=SFisOTDzGuE&list=PLW0NGgv1qnfzb1klL6Vw...
by Tamales
Sun Feb 24, 2019 6:24 pm
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 8865

Re: How did mylife.com get my info?

Okay, so the search above was on my laptop via my wifi connection and cable internet. I always cold reboot my computer at least daily and clear my cache of all cookies several times daily but as I can tell from ad tracking some information about this computer is persistent. To run your trial, I too...
by Tamales
Sat Feb 23, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: Toyota Sequoia questions
Replies: 89
Views: 4609

Re: Toyota Sequoia questions

You could hold out for the recently announced Sequoia TRD pro, which now has pushbutton start (I suppose that means the non-TRD 2020's will get that as well.
https://jalopnik.com/the-2020-toyota-se ... 1832424548
Kidding, of course.
by Tamales
Sat Feb 23, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 8865

Re: How did mylife.com get my info?

re: mylife.com, wait...some of you are going to that website, typing in your name & zipcode, and checking the box "this is me" ?? You've voluntarily closed the loop for them! And rest assured they are mining the device you are using for further profile info and other data on you. I put my name in a...
by Tamales
Sat Feb 23, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 8865

Re: How did mylife.com get my info?

re: mylife.com,
wait...some of you are going to that website, typing in your name & zipcode, and checking the box "this is me" ??

You've voluntarily closed the loop for them! And rest assured they are mining the device you are using for further profile info and other data on you.
by Tamales
Thu Feb 21, 2019 8:05 pm
Forum: Personal Consumer Issues
Topic: Toyota Sequoia questions
Replies: 89
Views: 4609

Re: Toyota Sequoia questions

My wife wants to make sure the car has touch entry (where it detects the key and unlocks if you touch the handle). It seems like a big plus when you have two toddlers on your hands. Does anyone know which starting model year and trim that feature is available on? Even a brand new top-trim 2019 does...
by Tamales
Mon Feb 18, 2019 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 309
Views: 22411

Re: [2018 tax return - How does it compare to previous years?]

Haven't read the whole thread, but when people note their taxable income went up by x, keep in mind that compared to 2017 you no longer subtract off the 2017 line 42 exemption to arrive at your taxable income, and adjusted also for any difference between what your itemized deductions would have been...
by Tamales
Mon Feb 18, 2019 9:36 pm
Forum: Personal Consumer Issues
Topic: Trailer towing capacity questions
Replies: 50
Views: 2185

Re: Trailer towing capacity questions

Some very informative and thought-provoking responses so far. Thanks. I've been skimming through various car/truck forum posts about towing, and it seem like some people think you earn "man points" for towing well beyond the manufacturer's specifications (especially in the case of vehicles rated fro...
by Tamales
Mon Feb 18, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Trailer towing capacity questions
Replies: 50
Views: 2185

Re: Trailer towing capacity questions

None of what you’ve written is going to be the limiting factor and thus doesn’t matter at all. What matters is the payload of the SUV and you’re going to find that runs out a lot faster than so-called towing capacity. Maybe you’ll find an SUV with a payload of 1500 pounds. Subtract those 600 pounds...
by Tamales
Sun Feb 17, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: Trailer towing capacity questions
Replies: 50
Views: 2185

Re: Trailer towing capacity questions

I pulled up the owner's manual for the 2010 Highlander. It doesn't have different ratings for trailers with brakes and without brakes. The difference specified is whether or not it has the towing package. That's odd. I wonder if something changed since 2010 (with disclosure requirements, or with th...
by Tamales
Sun Feb 17, 2019 3:09 pm
Forum: Personal Consumer Issues
Topic: Trailer towing capacity questions
Replies: 50
Views: 2185

Re: Trailer towing capacity questions

Most towing capacities are substantially de-rated for no trailer brakes. E.g Subaru Ascent (all trims but base) is 5000lb with trailer brakes, but only 1000lb without, per the manual (I don't have an Ascent but the manual is a free download) This is a very interesting point. Thanks for raising it. ...
by Tamales
Sun Feb 17, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: Trailer towing capacity questions
Replies: 50
Views: 2185

Re: Trailer towing capacity questions

You need to know all your parameters. https://www.huskytow.com/towing-calculator/ The above is true, though at the stage the OP is at, which I take to be more the estimating stage, might be a bit overkill. Hopefully the OP will let us know some more so he can help us help him. Yep that's right. I d...
by Tamales
Sun Feb 17, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: Trailer towing capacity questions
Replies: 50
Views: 2185

Trailer towing capacity questions

I've never towed a trailer but expect that I will have a need to learn how to do so going forward. Currently looking at SUVs since they are more practical than a pickup if you're only doing infrequent load-carrying. Mid-size to large SUV's generally range from 3500 to 5000 lbs towing capacity (Compa...
by Tamales
Thu Feb 14, 2019 11:48 am
Forum: Personal Consumer Issues
Topic: Consumer Reports "funny math" in auto ratings
Replies: 17
Views: 2357

Re: Consumer Reports "funny math" in auto ratings

I would think it's because the 2018 model is a redesign, and the last time this vehicle was redesigned (2009), it had terrible reliability for the next 3 years, and not much better for the two after that. It may also be influenced by ratings for similar vehicles from this carmaker. As CR explains: ...
by Tamales
Wed Feb 13, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Consumer Reports "funny math" in auto ratings
Replies: 17
Views: 2357

Consumer Reports "funny math" in auto ratings

I have noticed several cases where Consumer Reports' overall reliability rating makes no mathematical sense in light of the rating it gives to the individual components that make up the overall rating. Here is an example, where the overall rating for 2018 is the lowest "red double down arrow", but n...
by Tamales
Tue Feb 12, 2019 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 309
Views: 22411

Re: Smaller tax refunds this year? Clear explanation please

First of all, more than 40% of American families do not pay any income taxes. Second, a tax refund is not the amount of taxes that one pays. It is pretty clear that many people do not know the difference between the taxes they pay and the amount of their tax refund. Third, quite a number of familie...
by Tamales
Tue Feb 12, 2019 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: How should I include unvested RSUs on personal financial statement?
Replies: 2
Views: 343

Re: How should I include unvested RSUs on personal financial statement?

Welcome to the BH forum...I'll give it a shot but quite honestly I'm not clear on your post. re: For the first time, I'm preparing a personal financial statement for a fund manager to qualify as an accredited investor. Could you elaborate on what this means? The wording is open to several interpreta...
by Tamales
Tue Feb 05, 2019 12:18 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct problems? Anyone have success with a return which includes "backdoor" Roth reporting?
Replies: 60
Views: 3441

Re: TaxAct problems? Anyone have success with a return which includes "backdoor" Roth reporting?

Is there no issue if you just add the non-deductible IRA contribution to form 8606, without the backdoor roth steps?
I think the answer is yes, still an issue, but want to make sure.
by Tamales
Mon Feb 04, 2019 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct problems? Anyone have success with a return which includes "backdoor" Roth reporting?
Replies: 60
Views: 3441

Re: TaxAct problems? Anyone have success with a return which includes "backdoor" Roth reporting?

Gah, this was driving me nuts! I'm having the same issue. Totally hangs up on Save forever. I'm actually able to get it to work kind of if I clear cookies/cache at each step. But it's definitely buggy and even worse, it's calculating things WRONG!! Seriously. If I put in a Gross Distribution of $55...
by Tamales
Wed Jan 23, 2019 11:01 pm
Forum: Personal Consumer Issues
Topic: Anyone use Teamviewer (remote access) software?
Replies: 20
Views: 948

Anyone use Teamviewer (remote access) software?

In particular, I'm thinking about using it (especially since it's free for personal use) to help out an elderly relative with their computer, and I wonder, since it requires some interactions on the other end of the connection to enable it, whether it's easy enough for an elderly person to use. I'm ...
by Tamales
Wed Jan 02, 2019 8:49 pm
Forum: Investing - Theory, News & General
Topic: Is it ok to hold some of the same mutual funds in Roth IRA as in taxable accounts?
Replies: 13
Views: 1261

Re: Is it ok to hold some of the same mutual funds in Roth IRA as in taxable accounts?

I don't understand this. Aren't the Roth and the taxable accounts 2 different accounts? Why would purchases in a Roth have any effect on TLH in a taxable account? :confused To add a cite for the prior answers: See IRS Publication 550: https://www.irs.gov/pub/irs-pdf/p550.pdf page 58, #4 under Wash ...
by Tamales
Fri Dec 28, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2410

Re: Why do people buy- performance cars?

Performance cars is a relative term. It meant different things in different eras. Car makers have always made, and people have always bought, performance cars across all eras. It's not really a niche market, even if certain individuals can't fathom it. Some performance cars of the past can bring 6 o...
by Tamales
Tue Dec 25, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Muni funds: 6 month loss offset (of tax exempt interest) rule: how does tax software handle this?
Replies: 4
Views: 564

Re: Muni funds: 6 month loss offset (of tax exempt interest) rule: how does tax software handle this?

Thanks. The way I look at it, this is exactly the type of thing tax software ought to be making you aware of. It's part of the tax law and the software shouldn't be selectively implementing some but not all. At the very least, the software should pop up a warning about what the tax code says and wha...
by Tamales
Tue Dec 25, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: Tax surprise - Enhances bear market selloff?
Replies: 4
Views: 862

Re: Tax surprise - Enhances bear market selloff?

There were a couple threads about this topic a few months ago, with one article claiming what you're claiming, and another article claiming the opposite (that there will be unprecedented levels of refunds). It's a bit late to do much about it now, but since those threads were a couple months ago, an...
by Tamales
Tue Dec 25, 2018 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Muni funds: 6 month loss offset (of tax exempt interest) rule: how does tax software handle this?
Replies: 4
Views: 564

Muni funds: 6 month loss offset (of tax exempt interest) rule: how does tax software handle this?

My question is based on info in the wiki at: https://www.bogleheads.org/wiki/Tax_loss_harvesting#Fine_points_about_tax_loss_harvesting see "loss on mutual fund shares held 6 months or less," copied below for convenience: "Loss on mutual fund shares held 6 months or less. If you sell shares of a mutu...
by Tamales
Sun Dec 23, 2018 8:11 pm
Forum: Investing - Theory, News & General
Topic: Bear Market Peak to Trough via Michael Batnick
Replies: 22
Views: 2617

Re: Bear Market Peak to Trough via Michael Batnick

...though I must say, at my company they now make the 401k balance highly visible, right on the company portal. It used to take a bunch more clicks! That's interesting, but I'm trying to figure out what exactly do they show? A chart of daily (weekly?) cumulative dollars (regardless of what they are...
by Tamales
Sun Dec 23, 2018 1:34 pm
Forum: Investing - Theory, News & General
Topic: When is the next all time high? An historical perspective
Replies: 15
Views: 2103

Re: When is the next all time high? An historical perspective

Some analysis I did a few years back. Data for SP500 for 1950 thru 12/11/2015. The market (SP500) spent 7.6% of its days since 1950 (>16000 trading days) at an All Time High (based on closing prices). On 6% of days, the SP500 closed 30% or greater, below its most recent ATH. 61.8% of the time, the m...
by Tamales
Sun Dec 23, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: How many "investment" accounts do you have?
Replies: 73
Views: 9524

Re: How many "investment" accounts do you have?

Revisiting this thread from ~2.5 years ago, I had 21 accounts back then (financial accounts with distinct account numbers: counting checking, mmkt accounts, pre and post tax brokerage/retirement 401k and IRA, CDs, HSA, company stock purchase accounts, etc).
Now I have 27. Ugh.
by Tamales
Wed Dec 19, 2018 12:35 am
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 125
Views: 15126

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

Vanguard's "HOW AMERICA SAVES - 2018" https://pressroom.vanguard.com/nonindexed/HAS18_062018.pdf See summary tables, pg 11-12. A couple observations: Only 13% of participants reach the 402(g) limit ($18,500 in 2018). Only 17% percent of plans offer after-tax contributions and within those only 7% co...
by Tamales
Sat Dec 15, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Law school without practicing law
Replies: 79
Views: 5928

Re: Law school without practicing law

...I am certain that lawyers get sued substantially less often than non-lawyers and probably even non-existent for frivolous lawsuits (which is my primary concern on protecting my assets). (didn't read entire thread, but just want to point out an obvious issue with the OP's primary concern as expre...
by Tamales
Fri Dec 14, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: New York camera stores, online purchases
Replies: 16
Views: 1035

New York camera stores, online purchases

A number of New York camera stores have an online store (B&H, Adorama, Cameta, to name a few). They all seem to have roughly the same prices on the things I'm looking at, so I wondered if folks here have had good (or bad) experiences with them for online purchases?
by Tamales
Fri Dec 14, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Defining terms: Megacorp
Replies: 15
Views: 1059

Re: Defining terms: Megacorp

It's one of those...I can't define it but you know one if you set it...types of things. In the context it's used here, I doubt it's ever important to know where the line is drawn or if people use the same definition. Generally it's a way to give some context on the size of the company you work at wi...
by Tamales
Thu Dec 13, 2018 12:15 am
Forum: Personal Finance (Not Investing)
Topic: 401k in-service distribution/withdrawal/rollover
Replies: 1
Views: 248

401k in-service distribution/withdrawal/rollover

If a 401k plan allows after-tax contributions and in-service "transactions," is there any distinction or limitation (legal or otherwise) based on whether the plan documents call it an in-service rollover, in-service withdrawal, or in-service distribution? For example, are pre 59-1/2 transactions per...
by Tamales
Wed Dec 12, 2018 7:35 am
Forum: Personal Finance (Not Investing)
Topic: learning excel
Replies: 21
Views: 2129

Re: learning excel

I second 123's recommendation of Lynda.com. Sure, there are free tutorials online about every topic under the sun, but the Lynda.com videos are consistently good quality and coherently presented, across a range of topics. Free online tutorials are generally hit or miss, in terms of their quality. I ...
by Tamales
Tue Dec 11, 2018 10:08 am
Forum: Investing - Theory, News & General
Topic: Fidelity Rep: Don't use target date because you can't time the market.
Replies: 19
Views: 2671

Re: Fidelity Rep: Don't use target date because you can't time the market.

Without a verbatim transcript, it's hard to say. Rep may have misunderstood you, or you may have misunderstood rep. On the surface, doesn't it seem an unlikely thing for a Fidelity rep to say? So I suspect there was some miscommunication involved.
by Tamales
Wed Nov 28, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Google Voice, do unused numbers get deleted?
Replies: 21
Views: 2129

Re: Google Voice, do unused numbers get deleted?

Google voice has no numbers left apparently. Even tried area codes from nearby states.
by Tamales
Mon Nov 26, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: How do tax brackets work?
Replies: 37
Views: 5689

Re: How do tax brackets work?

I have two follow up questions that I haven't been able to figure out yet. (Not trying to hijack the thread but needs some clarity) 1) How is taxable broken down into a bi weekly paycheck, 26 pay periods. Is it taxable income / 26 weeks? 2) Taxable income is what you'll be taxed before you file for...
by Tamales
Mon Nov 26, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Home security system and outside cameras
Replies: 23
Views: 3865

Re: Home security system and outside cameras

Seems that Google and Amazon have gobbled up most of the major security camera companies. But the issue of battery-powered outdoor camera operation (especially at cold/hot temperature extremes) gives users anxiety (sort of like range anxiety with electric cars). You'd think with all the resources Go...
by Tamales
Sun Nov 25, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: Google Voice, do unused numbers get deleted?
Replies: 21
Views: 2129

Re: Google Voice, do unused numbers get deleted?

If you go to the main page https://voice.google.com/u/0/about and let the intro graphic cycle through, it says, "A free phone number for life." Just out of curiosity, what are folks using your Google voice number for, besides receiving texts? I've heard of some Alexa/Echo users setting up a Google V...
by Tamales
Sun Nov 25, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Amazon: product comments/questions link
Replies: 6
Views: 585

Re: Amazon: product comments/questions link

Now that was a helpful response...thank you!