Search found 445 matches

by Globalviewer58
Thu Apr 19, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Good Dad, Bad Dad [pay for son's driving expenses (or not)]
Replies: 49
Views: 3482

Re: Good Dad, Bad Dad

Are you in an area that has good Uber or Lyft coverage? If so it may make more sense to let him pay for his rides rather than sink $ into a car with the known insurance cost. How many rides can he buy to and from school instead of paying for insurance and gas?
by Globalviewer58
Mon Apr 16, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: $4,400 in AMT? sanity check, please?
Replies: 11
Views: 1486

Re: $4,400 in AMT? sanity check, please?

AGI $297K minus AMT exemption $84.5K = $212.5K x 26% = $55.25K
AGI $297K minus AMT exemption $84.5K = $212.5K x 28% = $59.5K
so your TaxAct result looks about right.
by Globalviewer58
Mon Apr 16, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Yellowstone time needed
Replies: 22
Views: 2211

Re: Yellowstone time needed

The OP should realize that Yellowstone lodging books up a year in advance. If you plan now you may be able to reserve rooms for the 2019 season.
by Globalviewer58
Tue Apr 10, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Alternative website for those in lower tax brackets?
Replies: 59
Views: 5251

Re: Alternative website for those in lower tax brackets?

While it does not solve the OP's issue of finding or calculating fund returns for intermediate income tax rates, it may be interesting to note that the reason the returns are calculated using the highest rate is the SEC Final Rule that became effective in April 2001. For those with a passion for mor...
by Globalviewer58
Fri Apr 06, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Lost wallet
Replies: 13
Views: 1269

Re: Lost wallet

Report the loss to the local police department. A good samaritan may turn it in.
by Globalviewer58
Fri Apr 06, 2018 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Help needed - Getting serious w/finances
Replies: 17
Views: 1589

Re: Getting serious w/finances

Financially better to consider student loans as a joint effort to pay off the highest interest loan first, next highest loan, etc. So any extra payments you can make to pay them off in this order will give the best financial outcome for both of you. You could make a spreadsheet showing the balance, ...
by Globalviewer58
Fri Apr 06, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Home remodel questions
Replies: 10
Views: 1438

Re: Home remodel questions

Does your agreement also include a Contractor Lien Release Waiver? This is necessary to avoid being put in the middle of a dispute between the GC and subs or material suppliers. Here's a link for how this can be used: https://www.angieslist.com/articles/what-contractor-lien-release-or-subcontractor-...
by Globalviewer58
Wed Apr 04, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Estimated taxes for 2018
Replies: 18
Views: 1678

Re: Estimated taxes for 2018

Have you tried the free TaxCaster tool available online through TurboTax? They claim the 2018 reforms are in the forecasting tool for 2018.
by Globalviewer58
Tue Mar 20, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Financial checklist after passing of a spouse
Replies: 22
Views: 2149

Re: Financial checklist after passing of a spouse

Best checklist I can recall is a post from the year 2013 you can find by searching the term, Death Book, or using this link: viewtopic.php?t=119346
by Globalviewer58
Thu Mar 08, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: MD-Phd (Harvard) vs MSTP (School X)
Replies: 44
Views: 3701

Re: MD-Phd (Harvard) vs MSTP (School X)

For the unwashed who read this post, MSTP = Medical Science Training Program, a course of study to earn an MD and a science PhD with clinical or bioscience research focus.
by Globalviewer58
Sat Feb 17, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: ios fitness/stretching apps
Replies: 3
Views: 194

Re: ios fitness/stretching apps

YouTube videos are abundant. To get started you might try the 8 minute abs, 8 minute arms and 8 minute legs videos. Although they were made years ago the models demonstrate the exercise as you progress through about 16 exercises in the 8 minutes. Start slow with no weights and add as you progress. T...
by Globalviewer58
Sun Jan 14, 2018 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Unwinding Stocks - Where to Start?
Replies: 21
Views: 1409

Re: Unwinding Stocks - Where to Start?

OP, it may be that you have 5 years to enjoy 0% tax rate on CGs. Once you reach age 70 and begin taking RMDs and collecting SS benefits you may be in a higher income tax bracket and lose access to 0% CG rates.
by Globalviewer58
Sat Jan 13, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Quick question on paying Estimate Tax
Replies: 5
Views: 540

Re: Quick question on paying Estimate Tax

Payment can be mailed and considered timely with a Jan. 16 postmark. Include the 1040-ES with your check.
by Globalviewer58
Wed Jan 03, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: India tourist visa - possible to expedite?
Replies: 11
Views: 1047

Re: India tourist visa - possible to expedite?

My experience is that after submitting the online application I received a submittal number that was helpful when inquiring about the status of the application. Although this was several years ago, the time to process was about 10 calendar days for a 10-year multiple entry visa. Do you have a copy o...
by Globalviewer58
Tue Jan 02, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Annoying/Loud Sidewall Power Venter
Replies: 6
Views: 502

Re: Annoying/Loud Sidewall Power Venter

The power vent should start when the furnace gets a call for heat which starts the burner. The vent should shut off a few minutes after the burner stops. Cold weather will result in more frequent cycling of the furnace so this is to be expected. If the elapsed time between venter shutting off and re...
by Globalviewer58
Fri Dec 29, 2017 8:04 am
Forum: Personal Finance (Not Investing)
Topic: long term capital gain distribution tax
Replies: 8
Views: 716

Re: long term capital gain distribution tax

For taxpayers in the 15% federal income tax bracket, The tax rate on LTCG is 0% whether the gain is realized from sale of stock, mutual fund or a distribution.
by Globalviewer58
Wed Dec 27, 2017 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Introduction time
Replies: 21
Views: 1685

Re: Introduction time

theanalyst has an opportunity to study the economics of dozens of companies and industries asking for and using credit. Identifying the key drivers of success for your clients is one of the great opportunities here. Who should get credit? How much? How will underperformers battle back to acceptable ...
by Globalviewer58
Mon Dec 25, 2017 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: 401k question
Replies: 3
Views: 498

Re: 401k question

If your contributions are $24,000 then the Employer match seems to be $1,500 based on the $0.25 match on 25% of your contributions. Is there a bond fund offered in the 401k? It would seem the tax deferral and company match would outpace fixed income returns unless the ER is more than 2%.
by Globalviewer58
Tue Dec 19, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Portofolio Advice for wildly unbalanced portfolio 97/3
Replies: 25
Views: 2031

Re: Portofolio Advice for wildly unbalanced portfolio 97/3

OP, have you calculated for each lot of options the amount that will be taxed as ordinary compensation versus capital gains at today's price? You'll want to know this to make the best choice of lot sales for tax purposes.
by Globalviewer58
Tue Dec 19, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Please help me understand the SS - WEP (Windfall Elim. Provision)
Replies: 5
Views: 550

Re: Please help me understand the SS - WEP (Windfall Elim. Provision)

From the first link you posted, the opening paragraph states, "If you paid Social Security tax on 30 years of substantial earnings you are not affected by the Windfall Elimination Provision (WEP)." So in your case you note you are having SS deducted from earnings. Looks like you are NOT affected by ...
by Globalviewer58
Mon Dec 18, 2017 11:14 am
Forum: Investing - Theory, News & General
Topic: Diversification: Is there any way to produce the same returns with less risk?
Replies: 52
Views: 5530

Re: Diversification: Is there any way to produce the same returns with less risk?

OP would benefit from reading the results of a search using the term, Efficient Frontier. This is in essence what he/she is seeking.
by Globalviewer58
Sun Dec 17, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 8051

Re: New job offer - background check

Our state has a site that may be similar to public records you can search. The format is www.mystate.AB.gov where AB is the abbreviation for your state. Once on the site you enter the name, DOB and select criminal, civil and other courts for search parameters. This will allow you to see what is easi...
by Globalviewer58
Sat Dec 16, 2017 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Buy home with structural issues
Replies: 51
Views: 4075

Re: Buy home with structural issues

You might have a licensed professional structural engineer review the foundation contractor’s report and comment on the completeness of the analysis and conclusions. The engineer can be a resource to ask the right questions of the contractor. The engineer may want to look at the as-built plans appro...
by Globalviewer58
Thu Dec 14, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Active Duty Military Bereavement Leave?
Replies: 16
Views: 1829

Re: Active Duty Military Bereavement Leave?

If your brother is unable to get leave you might consider Live Streaming the funeral so he can "attend" from afar. The technology is being applied for funerals for exactly the situation your brother faces. This is a sensitive issue for some but my guess is that the funeral home staff have set this u...
by Globalviewer58
Wed Dec 13, 2017 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: 3 accounts, 30 plus funds, 330,000 value, 2 advisers
Replies: 15
Views: 1515

Re: 3 accounts, 30 plus funds, 330,000 value, 2 advisers

Have you considered rolling over the retirement accounts to Vanguard or Fidelity or Schwab and constructing a 3-fund portfolio? Customer service at any of these firms can start the rollover process. If you have other funds in addition to the retirement accounts you should read the Wiki on fund place...
by Globalviewer58
Sat Dec 02, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Tax loss harvesting - sold Company stock but Company provides distribution of stock as part of 401K (auto)
Replies: 5
Views: 340

Re: Tax loss harvesting - sold Company stock but Company provides distribution of stock as part of 401K (auto)

It seems the stocks you sold to harvest losses are substantially different than the company A stock sold that resulted in gains. This is not considered a wash sale so you should be able to offset your gains with the realized losses.

The Wiki has a page on Wash Sale Rules that can be helpful.
by Globalviewer58
Thu Nov 30, 2017 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Personal Portfolio & Inheritance
Replies: 3
Views: 479

Re: Help with Personal Portfolio & Inheritance

Regarding the inherited retirement accounts, your wife should consider using part of the RMD to pay down the student loan debt. Your post shows you are in the 25% Federal Tax Bracket and I am assuming that is the case with her taking the RMDs. You could calculate the amount of a distribution to get ...
by Globalviewer58
Mon Nov 27, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 13103

Re: Divs and Cap Gains are killing me

Are you taking time to harvest tax losses? This is an annual effort to take advantage of any paper losses to offset investment income.
by Globalviewer58
Thu Nov 09, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: How to buy a new car with a trade-in.
Replies: 24
Views: 1867

Re: How to buy a new car with a trade-in.

The best deal is to treat these as 2 transactions but this requires a bit more work on your part. Some dealerships need used cars and will purchase the vehicle from you even if you do not plan to buy a car. One that comes to mind in our area is AutoNation. Ask them for an offer. Experience tells me ...
by Globalviewer58
Thu Nov 09, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: What is the difference between retiring and resigning from a job?
Replies: 42
Views: 5567

Re: What is the difference between retiring and resigning from a job?

No financial difference since you will not qualify for unemployment benefits in either case as you indicated you do not plan to look for work. Both forms are qualifying life events to make you eligible for COBRA health insurance participation if you choose.
by Globalviewer58
Tue Nov 07, 2017 5:35 pm
Forum: Investing - Theory, News & General
Topic: "I took all my money out of the stock market and it feels amazing"
Replies: 69
Views: 9697

Re: "I took all my money out of the stock market and it feels amazing"

So the author knows, "exactly how much money I need to live on", which implies that she knows her exact age at death, the annual change in CPI, her spending rate and interest rates for this exact time.

What a leap to believe she knows these factors.
by Globalviewer58
Tue Oct 31, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Get Lexus service at Toyota and save?
Replies: 29
Views: 2131

Re: Get Lexus service at Toyota and save?

Had oil change and tire rotation on Lexus at Sears two weeks ago. FREE tire rotation coupon had me out the door at $36. I drop it off, walk to work and pick up at end of day so no waiting time.
by Globalviewer58
Wed Oct 25, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: end of year distributions
Replies: 3
Views: 395

Re: end of year distributions

You should be indifferent to selling now or waiting until after the distribution is made because the net asset value of the fund should decline by the same amount as the distribution.
by Globalviewer58
Tue Oct 24, 2017 9:36 am
Forum: Investing - Help with Personal Investments
Topic: What does a defensive position look like?
Replies: 8
Views: 1117

Re: What does a defensive position look like?

Seems like you have 2 financial goals with different needs. One is to save for retirement and position your assets to benefit from stock price appreciation over the next 20 years. Your 80/20 works for this goal. Second goal is to fund college expenses. You can save for this or borrow or use a combin...
by Globalviewer58
Mon Oct 23, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: FIL Stage 4 Cancer - Next steps
Replies: 28
Views: 3457

Re: FIL Stage 4 Cancer - Next steps

Here's a link to an old post on a Death Book. You can see what documents are in place and then focus on gathering the remaining detail to help your MIL.

Is the Will current?

viewtopic.php?t=119346
by Globalviewer58
Mon Oct 23, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 68
Views: 5264

Re: what is your weekly workout routine?

You might enjoy searching YouTube for workout routines. There are a wide range of free of charge videos that can provide months of variation.

The other activity you might add is to use a foam roller if you have not been using this in your stretching routine.
by Globalviewer58
Wed Oct 18, 2017 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting in shared brokerage account?
Replies: 6
Views: 639

Re: Tax loss harvesting in shared brokerage account?

There is a potential to harvest tax losses to offset part of the Realized Gains. However, there are a number of details that are vital to making this effective. Best resource is the Wiki. To see this particular topic, look on the left hand column of the forum page for Wiki Home. Then enter the term,...
by Globalviewer58
Tue Oct 17, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a rental property before primary home?
Replies: 20
Views: 2069

Re: Buy a rental property before primary home?

tomtoms: Have you created a pro forma Income Statement for the hypothetical rental property? Hiring a management company may put your expected income into a cash loss which defeats the purpose. Speculating on appreciation is not a solid bet. The investment success of any particular property depends ...
by Globalviewer58
Fri Oct 06, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: bonus tax question
Replies: 7
Views: 666

Re: bonus tax question

You can also get a free estimate of the tax impact by using taxcaster software. Load last year's detail from your return plus the expected bonus to see how much more you will owe. This is a 10 minute exercise. If you don't have enough withheld from the bonus then you'll need to make a quarterly esti...
by Globalviewer58
Wed Oct 04, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: New job offer
Replies: 17
Views: 1629

Re: New job offer

I would give notice to your current employer today as a courtesy. Hopefully your current employer treated you well during your stay. If they walk you to the door you'll have some extra days off. I found it helpful to offer even a limited number of days to transition duties. Your soon to be former co...
by Globalviewer58
Wed Sep 27, 2017 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones (again)
Replies: 28
Views: 2566

Re: Edward Jones (again)

You will get more specific comments if you list the funds you hold at EJ. My guess is that the Expense Ratio of these funds include a 12b-1 expense which is taking your money to pay for marketing expenses for the benefit of the fund manager, not you. At some future dates you may need to rebalance th...
by Globalviewer58
Wed Sep 27, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3967

Re: Verizon TravelPass

I will be traveling for about 8 days in Prague and 12 in UK. Where does one get the SIM card and does the same card work in both countries? If you are arriving in London Heathrow, take the Heathrow Express train to Paddington Station. There is a phone kiosk in the station where they will sell you th...
by Globalviewer58
Tue Sep 26, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 5434

Re: Sonoma in October

Your timing coincides with peak wine tasting tourism. I strongly recommend hiring a driver. I drove on my first trip and have hired a driver since then. This company will create a wine tour itinerary based on your preferences: http://www.destinationdriversnapasonoma.com/ Cakebread has a winery and t...
by Globalviewer58
Sat Sep 23, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: Finding a Driver
Replies: 26
Views: 3430

Re: Finding a Driver

We do this with the owner of a taxi. All rides are scheduled through text message. When his car was in for repair he notified us in advance and sent another taxi driver who was equally as courteous and responsible. Payment is made with credit card.
by Globalviewer58
Fri Sep 22, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Large Mortgage
Replies: 24
Views: 2605

Re: Large Mortgage

At a presentation to housing industry participants last week the lead economist of the organization showed a forecast of 6% mortgage rates by end of 2020. How would that play with the 7/1 ARM?
by Globalviewer58
Wed Sep 20, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: should we replace the subfloors when putting in hardwood floors
Replies: 9
Views: 1021

Re: should we replace the subfloors when putting in hardwood floors

Current best practice is to glue the subfloor to the joist and then screw through the subfloor into the joist. Take up one or two of the subfloor sheets to see the condition of the underlying floor joists. If the joists are sized properly and the plywood appears intact then glue and screw the plywoo...
by Globalviewer58
Tue Sep 19, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: Lease vs. Buy debate with a twist...
Replies: 33
Views: 2842

Re: Lease vs. Buy debate with a twist...

Urban drivers will see availability of machine driven, shared transport vehicles in large numbers by 2030. As your driving distance from an urban center increases the adoption rate falls off. I can see some rural drivers wanting to continue to own a vehicle for decades for the immediate availability...
by Globalviewer58
Wed Sep 13, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: setting up a wireless printer
Replies: 8
Views: 970

Re: setting up a wireless printer

The iPad wireless printing capability is known as AirPrint. Here's a link to the Dell web page on configuring AirPrint for a number of their printers: https://www.dell.com/support/article/us ... rs?lang=en
by Globalviewer58
Wed Sep 06, 2017 7:44 pm
Forum: Personal Consumer Issues
Topic: Places to see in Chicago
Replies: 45
Views: 3613

Re: Places to see in Chicago

Relatively new attraction is the Riverwalk extending from the lake front to Wolf Point. Lots of restaurants and people watching if you want to experience the Chicago River area on foot. If you elect to take the Architectural Cruise you will pass the same sights while the guide describes the building...
by Globalviewer58
Thu Aug 17, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: Anyone have a personal chef?
Replies: 48
Views: 5367

Re: Anyone have a personal chef?

You might Google, "personal chef name of city" to see what services are offered in your area. In our city there is a business with several chefs available. The web page lists the types of dietary restrictions they can accomodate and the prices based on number of servings. You can buy the food or the...