Search found 6553 matches

by Sidney
Fri May 18, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 185
Views: 9638

Re: how do you tip on wine at a restaurant

Doom&Gloom wrote:
Fri May 18, 2018 5:47 pm
One day I am going to wander into a tipping thread on the internet and see somebody change their mind and attitude.

One day ...
Perhaps tipping practices and dividend (or lack thereof) investing should be declared religions and be banned from the forum.
by Sidney
Fri May 18, 2018 5:34 pm
Forum: Investing - Theory, News & General
Topic: Which AA do people draw from in retirement?
Replies: 17
Views: 1434

Re: Which AA do people draw from in retirement?

I withdraw monthly from my muni bond funds because that is when they pay dividends. I withdraw quarterly from my equity account because they pay dividends quarterly. If I need to sell something to supplement the dividends, I generally try to move my allocation closer to the desired equity/fixed targ...
by Sidney
Wed May 16, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7553

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

This theme ("stock market is about to crash, invest in silver") is a common one in television advertisements on one of the large cable news companies. These ads are no more credible than their news.
by Sidney
Fri May 11, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: 80/10/10 Muni/Treasury/CD split for income. Should I change things?
Replies: 5
Views: 591

Re: 80/10/10 Muni/Treasury/CD split for income. Should I change things?

3% is probably the ceiling for that asset mix. 5% is not realistic. And those are nominal rates. Average real rate for that mix is probably close to zero.
by Sidney
Thu May 10, 2018 4:14 pm
Forum: Investing - Theory, News & General
Topic: Annoying IRA rollover problem
Replies: 6
Views: 590

Re: Annoying IRA rollover problem

Assuming you don't have other Traditional IRAs, can you max out the Rollover with new contributions then convert to a ROTH?
by Sidney
Wed May 02, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Highest muni mm rates
Replies: 10
Views: 903

Re: Highest muni mm rates

txranger wrote:
Wed May 02, 2018 3:28 pm
No Fido is a lot lower at 1.3, unless I m lookin at wrong one. 20 bp is not chump change in my book...
really depends how much you leave lying around idle, I guess.
by Sidney
Sun Apr 29, 2018 6:07 am
Forum: Investing - Theory, News & General
Topic: Treasury rates January 2008
Replies: 3
Views: 617

Re: Treasury rates January 2008

jalbert wrote:
Sun Apr 29, 2018 3:11 am
Question: How long will it take the rate for the 5-year treasury note to reach the level at which it closed on 1/28/2008?

Answer: it already did. It closed at 2.8% on 1/28/2008 and 4/27/2018.
How about real rates?
by Sidney
Sun Apr 22, 2018 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Making inheritance easier
Replies: 6
Views: 937

Re: Making inheritance easier

I don't see how anyone can give you practical advice without knowing exactly what the inherited assets might be AND an overview of your complete holdings + any other retirement resources (like pensions, SS) that might be coming your way. What you are asking for is the equivalent of "is red a good co...
by Sidney
Wed Apr 11, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Foreign rental income depreciation problem
Replies: 5
Views: 213

Re: Foreign rental income depreciation problem

Without seeing the form it is hard to know what is going on. Could be that the software is defective. Wouldn't be the first time and probably not the last.

I infer from your second post that you are seeing this on some online screen. What really matters is what is on the forms.
by Sidney
Wed Apr 11, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Foreign rental income depreciation problem
Replies: 5
Views: 213

Re: Foreign rental income depreciation problem

When you look at Schedule E and Form 4562 are they both showing zero? Normally there is an individual asset schedule for each asset that summarizes to 4562 which summarizes to Schedule E. What shows up in your return?
by Sidney
Wed Apr 04, 2018 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Estimated taxes for 2018
Replies: 18
Views: 1780

Re: Estimated taxes for 2018

For those of you who prefer to pay estimated taxes based on annualized income (rather than the "safe harbor" of 100%/110% of last year's tax), how are you planning to calculate your estimates this year? I'm guessing there's no tax software out there that is updated for all the 2018 changes yet. Any...
by Sidney
Sun Apr 01, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: [Estate tax] on savings accounts?
Replies: 19
Views: 971

Re: [Estate tax] on savings accounts?

brandy wrote:
Sun Apr 01, 2018 11:28 am
The beneficiary is in Indiana.
I'm not sure but I think the laws in your state prevail, not the state of the beneficiary.
by Sidney
Wed Feb 28, 2018 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 8076

Re: Physical cash

Those holding large amounts of physical cash and/or bullion or coins might wish to review their homeowners insurance policy. Mine has a fairly low limit ($250, I think) on what is covered in that category.
by Sidney
Tue Feb 27, 2018 5:37 pm
Forum: Investing - Theory, News & General
Topic: Does anyone realize how special last year was?!
Replies: 38
Views: 5981

Re: Does anyone realize how special last year was?!

Except for taxes there really isn't anything special about the calendar year vs. any other consecutive 12 month periods. So my question is, was this the first time there has been a consecutive 12-month increase?
by Sidney
Sat Feb 24, 2018 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Tax return looks to be significantly less than what was filed
Replies: 4
Views: 837

Re: Tax return looks to be significantly less than what was filed

If you filed on the 3rd and are only now getting an ack I infer that you have refundable credits since they held those returns until mid-month I think. Could it be that a refundable credit was miscalculated? Another place to look is to see if you mis-entered withholding tax. This is something they c...
by Sidney
Sat Feb 24, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: GNMA Fund - usually we see some folks in panic
Replies: 4
Views: 618

Re: GNMA Fund - usually we see some folks in panic

I don't own GNMA but it looks like it has moved like most moderate duration bond funds. There is the usual flurry of posts about when to move out of bonds funds but that hasn't been really loud yet. When real rates start getting up to ~2% where they should be we will probably hear a lot of hand wrin...
by Sidney
Sat Feb 24, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Refund? Not so fast! [Tax refund]
Replies: 30
Views: 2960

Re: Refund? Not so fast! [Tax refund]

know that many states have gone to scanning (including the use of 2-D barcodes) that do not require this kind of transcription, but as far I knew, the IRS has not moved to scanning. The fact that W-2s and 1099s showing withholding are supposed to be stapled to the front of a paper 1040 makes automa...
by Sidney
Mon Feb 12, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: VG Mutual Fund Basis
Replies: 2
Views: 224

Re: VG Mutual Fund Basis

oneleaf wrote:
Mon Feb 12, 2018 11:12 am
Covered and noncovered shares are treated as separate accounts, even if you use average cost. Yes, change to SpecID and you will be good to go to harvest losses on the covered shares.
Thanks
by Sidney
Mon Feb 12, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: VG Mutual Fund Basis
Replies: 2
Views: 224

VG Mutual Fund Basis

I have an intermediate tax-exempt bond fund in taxable (one account). When I look at the "cost basis" screen on VG I get the following Non-covered Shares with an cost basis per share of $13.26 and showing an unrealized gain Covered shares with a cost basis of $14.15 per share and showing an unrealiz...
by Sidney
Mon Feb 12, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Birding binoculars under $500?
Replies: 21
Views: 1144

Re: Birding binoculars under $500?

A friend has a pair of Swarovski binoculars. The image quality is breathtaking. So is the price. When you get a chance to look through the really high end glass it really is noticeable -- especially when doing side-by-side. A couple of years ago we went shopping for a spotting scope and managed to ...
by Sidney
Wed Jan 31, 2018 11:26 pm
Forum: Investing - Theory, News & General
Topic: Are dividends really the same as capital gains?
Replies: 18
Views: 2643

Re: Are dividends really the same as capital gains?

Economically there isn't a real difference but they are treated differently for taxes.
by Sidney
Sat Jan 06, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: portable chargers for electronic devices
Replies: 35
Views: 2117

Re: portable chargers for electronic devices

There are lots of high capacity battery packs but what about a UPS... You can run laptops or anything else for a bit (doubles to give you a nice shutdown for computer). Link to Amazon I have my cable modem and router on a UPS. Nominally the system will run for 6+ hours. I can also use it to charge ...
by Sidney
Sat Jan 06, 2018 9:10 am
Forum: Investing - Theory, News & General
Topic: Donating appreciated securities to charity
Replies: 8
Views: 455

Re: Donating appreciated securities to charity

livesoft wrote:
Sat Jan 06, 2018 9:06 am
Make sure shares you donate have been held more than one year. Read up on Donor-Advised Funds for more things you should know.
Does this matter if not itemizing?
by Sidney
Thu Dec 28, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Got myself an extra $200 today just by being observant
Replies: 25
Views: 5472

Re: Got myself an extra $200 today just by being observant

What do you mean by "listed?" You aren't paying list price for a car are you?
by Sidney
Sat Dec 16, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: When to move into bonds
Replies: 53
Views: 5717

Re: When to move into bonds

mmcmonster wrote:
Sat Dec 16, 2017 8:16 pm
I'm sorry, but I'm not sure if you can reach your goal with expected/average market returns. Or am I missing something?
Additional saving for nine years.
by Sidney
Wed Dec 06, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Worth it to Amend incorrect CPA prepared tax returns?
Replies: 34
Views: 2352

Re: Worth it to Amend incorrect CPA prepared tax returns?

I am not an expert but I believe if you know that a return that has been filed is incorrect you have a legal obligation to amend and correct the error if the original return understates your tax liability. To ignore it hoping that they don't detect it would seem to me to constitute fraud. I also thi...
by Sidney
Sat Nov 11, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised funds
Replies: 44
Views: 2331

Re: Donor Advised funds

Anonymity is probably the number one reason we use one. Much of our giving is local. The only way to stay off lists, getting called and having to go to local events is to make the donations anonymously. Even the local financial firms (wealth management) tap into the donor lists for client prospecting.
by Sidney
Wed Oct 25, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 4472

Re: Amazon kindle paperwhite

Tablets are also heavy.
by Sidney
Fri Oct 20, 2017 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting in shared brokerage account?
Replies: 6
Views: 678

Re: Tax loss harvesting in shared brokerage account?

Hi everyone, thanks for your replies. Yes, we've been filing jointly of course. My (our) confusion stems from seeing the gains on MY account and the losses on OUR account. Will Vanguard "consolidate" those numbers when sending our tax paperwork or do we have to sell some of OUR stocks in order to c...
by Sidney
Fri Oct 20, 2017 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Worry market crush, selling 50%, but increase buying 100%
Replies: 69
Views: 7439

Re: Worry market crush, selling 50%, but increase buying 100%

Should we leave when the fat lady comes on stage, when she inhales or when she actually belts out a note?
by Sidney
Fri Oct 20, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Worry market crush, selling 50%, but increase buying 100%
Replies: 69
Views: 7439

Re: Worry market crush, selling 50%, but increase buying 100%

Market timing is the strategy of making buy or sell decisions of financial assets (often stocks) by attempting to predict future market price movements.
by Sidney
Sat Oct 14, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 158
Views: 16675

Re: anyone else not liking the new cars?

If someone asked me what the front of my car looked like, about the only thing I could say for sure is that there are headlights.
by Sidney
Fri Oct 13, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 8900

Re: How many miles/years do you keep your car?

At age 65, I hope my current car will be my penultimate vehicle - I think it will be good for five more year, maybe less. I'd like to stop driving between 75-80 - that seems to be when people start being dangerous on the road around here. I don't want to be one of those people.
by Sidney
Fri Oct 06, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 9391

Re: I'm thinking about cashing completely out of equites....

It would help to know what you mean specifically by "all the money I will ever need." Not the actual number but maybe expressed as a multiple of your expenses. Do you have 50 times your annual expenses -- 100 times ..... Certainly at some point one could cash out of equity and stick it all in Treasu...
by Sidney
Thu Oct 05, 2017 4:54 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 212
Views: 19582

Re: Dividends vs. Capital Gains for Spending Needs?

snarlyjack wrote:
Thu Oct 05, 2017 3:36 pm
I absolutely refuse to be drawn into this argument again.
That didn't last long.
by Sidney
Wed Oct 04, 2017 5:21 pm
Forum: Investing - Theory, News & General
Topic: What counts in calculating portfolio withdrawals?
Replies: 10
Views: 818

Re: What counts in calculating portfolio withdrawals?

I count everything I spend, no matter where it comes from then I net out what I would call exogenous income (pension, social security ...). But I don't really pay much attention to "withdrawal." My main focus is on what I have and making sure it is in the right place and sufficient to get me to the ...
by Sidney
Wed Sep 27, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: next year health insurance plan provided by company
Replies: 13
Views: 1161

Re: next year health insurance plan provided by company

Without regard to the specific numbers, I can tell you that it is fairly common for employee share of health insurance costs to be a function of salary.
by Sidney
Sat Sep 23, 2017 4:47 pm
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 102
Views: 11489

Re: Retirees, what is your marginal tax rate?

Mitchell777 wrote:
Sat Sep 23, 2017 4:33 pm
Trying to figure out how I may get to the 15% maginal bracket.
From which direction?
by Sidney
Fri Sep 22, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund: Am I thinking about this correctly?
Replies: 31
Views: 2629

Re: Donor Advised Fund: Am I thinking about this correctly?

We also do most of our donations using a donor advised fund for anonymous donations. It keeps us off the mailing lists of national charities and below the radar of the whisper campaigns locally. Most of our donations are local. Staying anonymous has a lot of advantages.
by Sidney
Wed Sep 13, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 33
Views: 4228

Re: Retirement - Living in Colorado

Funny antidote to the street light debacle ; once the street lights were turned off copper thieves stripped the copper out of the light poles. It ended up costing the city much more in repairing the street lights then they saved by turning them off. I'd forgotten that part. Poetic justice. Did they...
by Sidney
Wed Sep 13, 2017 7:04 am
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 33
Views: 4228

Re: Retirement - Living in Colorado

Isn't that where they turned off all the street lights to save money?
by Sidney
Mon Sep 04, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1821
Views: 329924

Re: What are you up YTD? [Year To Date]

5.7% after withdrawals on a 40/60.
by Sidney
Fri Sep 01, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Are Roomba's effective?
Replies: 57
Views: 6318

Re: Are Roomba's effective?

We have one and it runs on rugs and wood floor. We also have a cat so it picks up a lot of cat hair. Still need a good hand vacuuming every once in a while to catch nooks it can't reach but it does work well for us.
by Sidney
Mon Aug 28, 2017 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Sitting on the sidelines...for now
Replies: 32
Views: 4399

Re: Sitting on the sidelines...for now

Just retired 3 months ago at 64. Not collecting SS just yet. Anticipate that I have enough on hand to wait until FRA. I have enough in my tax deferred accounts to be comfortable after the post election run-up in the market. I recently transferred all of my previous work 401K's to a Vanguard MM IRA....
by Sidney
Sun Aug 27, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Amazon "subscribe and save"
Replies: 20
Views: 1843

Re: Amazon "subscribe and save"

Tamales wrote:
Sun Aug 27, 2017 3:27 pm
That seems kind of silly, only allowing purchase via subscribe and save. Must be some new model they are trying out.
Isn't this similar to how magazines sell their product? You can buy a subscription from them but if you want one issue you have to usually go to a news stand or book store.
by Sidney
Mon Aug 14, 2017 7:17 am
Forum: Personal Consumer Issues
Topic: PSA - Mute button for Gas Station TV!
Replies: 22
Views: 3276

Re: PSA - Mute button for Gas Station TV!

Thanks for the tip. They don't bother me - stations are noisy anyway. I usually just get back in my car while the gas is pumping - especially in winter.
by Sidney
Sat Aug 12, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: The Ideal Renting Situation
Replies: 6
Views: 782

Re: The Ideal Renting Situation

In my area, townhouses are an option that split the difference. Very small yards, many face undeveloped spaces or waterfront.