Search found 2278 matches

by jhfenton
Fri Nov 24, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Which model treadmill to buy
Replies: 18
Views: 1540

Re: Which model treadmill to buy

Not sure how you established your budget, but if you will actually use it, you may want to spend more. Maybe consider visiting a local specialty store and buy a floor model or a closeout version of last year's model. That's what happened to me. :beer I started out planning to spend under $1,000. Th...
by jhfenton
Fri Nov 24, 2017 6:33 pm
Forum: Investing - Theory, News & General
Topic: HSA: "Pay out of pocket" vs Withdraw math problem
Replies: 48
Views: 3372

Re: HSA: "Pay out of pocket" vs Withdraw math problem

LimeJello wrote:
Fri Nov 24, 2017 6:01 pm
I’m pretty sure at age 65 you can withdraw tax free for any reason.
You can withdraw penalty-free for any reason at age 65. Normal income taxes still apply if the withdrawal is not a reimbursement of medical expenses.
by jhfenton
Fri Nov 24, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: HSA: "Pay out of pocket" vs Withdraw math problem
Replies: 48
Views: 3372

Re: HSA: "Pay out of pocket" vs Withdraw math problem

just started an HSA this year but thinking it really doesn't work for me since I'm two years from retirement. In your situation, I'd just use the HSA for the tax deduction and pay current expenses as they arose. If nothing else changes--like my wife having the employer-sponsored HSA deductions inst...
by jhfenton
Fri Nov 24, 2017 11:20 am
Forum: Investing - Theory, News & General
Topic: HSA: "Pay out of pocket" vs Withdraw math problem
Replies: 48
Views: 3372

Re: HSA: "Pay out of pocket" vs Withdraw math problem

Most HSAs have an expense associated with them that is greater than say, an IRA. Using the HSA as an IRA substitute (non-medical expenses) should be a last resort. 1. I assume those of us advocating HSA's as an additional retirement savings vehicle are already maxing out our (Roth) IRAs and 401(k)....
by jhfenton
Fri Nov 24, 2017 10:55 am
Forum: Investing - Theory, News & General
Topic: HSA: "Pay out of pocket" vs Withdraw math problem
Replies: 48
Views: 3372

Re: HSA: "Pay out of pocket" vs Withdraw math problem

Many folks are actually arguing for #3: Pay out of pocket, save receipts, grow tax free. After retirement use receipts to withdraw tax-free and spend it on non-medical expenses. I’m paying out of pocket and will use the funds for Cobra prior to Medicare or deductibles after Cobra or Medicare premiu...
by jhfenton
Thu Nov 23, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Bonds or Money Market?
Replies: 13
Views: 1731

Re: Bonds or Money Market?

We use Vanguard Intermediate-term Bond Index Fund Admiral Shares (VBILX), total return is 4.01% year to date, 3.71% last 12 months, 2.90% last 3 years, and 2.31% last 5 years. I'm not sure where you're seeing the performance data you're showing above. Here's what I see for VBILX 1 Year -0.58% 3 yea...
by jhfenton
Thu Nov 23, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone file form 5329 just to establish statute of limitations?
Replies: 8
Views: 1443

Re: Does anyone file form 5329 just to establish statute of limitations?

I don't file a 5329 just because. Our only IRA transactions are straight-forward Roth contributions of $5,500 x 2 for which we are clearly eligible. But if I were doing a backdoor Roth I would file a zeroed out 5329 with my 1040, not because I'm doing "crooked stuff," but because I want to put every...
by jhfenton
Thu Nov 23, 2017 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Bonds or Money Market?
Replies: 13
Views: 1731

Re: Bonds or Money Market?

my intermed tax exempt bond fund is up > 4% year to date, which is over 5.5% tax equivalent yield. Dont see why i would cosinder MM Agreed. My five bond funds have returned between 2.01% (Vg Inter Govt Bd Indx) and 5.33% (Vg Inter Corp Bd Indx) YTD: VICSX 5.33% VOHIX 5.24% (Vg OH LT TE) PTTRX 5.07%...
by jhfenton
Thu Nov 23, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Wifi speakers-SONOS vs Echo/Google Home
Replies: 30
Views: 2912

Re: Wifi speakers-SONOS vs Echo/Google Home

The sound quality of the Google and Amazon speakers is not in the same league as Sonos. Apple's new speaker probably will be, but it was delayed and won't be out until after the start of the year. So for a black Friday purchase, I would go for Sonos. If I were deeply embedded in Apple's ecosystem, I...
by jhfenton
Mon Nov 20, 2017 9:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard Equivalents in new TDA commission free list
Replies: 11
Views: 1363

Re: Vanguard Equivalents in new TDA commission free list

For BSV, is it some combination of SPSB/SPTS? Yes. I'd be tempted, though to just pick one for simplicity. They are both reasonable choices. For VSS, is it some combination of GWX/EWX? Yes. But neither choice is compelling. (There is no perfectly equivalent fund to VSS in existence.) I'd probably p...
by jhfenton
Sun Nov 19, 2017 10:03 pm
Forum: Personal Consumer Issues
Topic: Do you record customer service interactions?
Replies: 23
Views: 1249

Re: Do you record customer service interactions?

I often take notes on conversations, at least when I expect there might be misunderstandings. That pretty much includes any novel interaction with a financial services institution. Most recently I transferred my HSA from my employer-sponsored plan to a cheaper custodian. I made a few phone calls to ...
by jhfenton
Sun Nov 19, 2017 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Annual timing of Roth IRA contribution
Replies: 15
Views: 1495

Re: Annual timing of Roth IRA contribution

If I had cash hanging around on January 2 I'd fund the new year on that day, but because I stay invested year round apart from emergency fund cash I don't have 11,000 stuck in our mattress waiting for Jan 2. For that reason, November works for me due to the cash infusion from bonus time. November i...
by jhfenton
Sun Nov 19, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14099

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Nobody cares (should care, in the real world) what Dave Ramsey thinks because he's not an expert on anything relevant. +1 Bogleheads milking credit cards for rewards without paying any interest charges are not his target audience, and other than coaching folks to get out of debt, he has no apparent...
by jhfenton
Sun Nov 19, 2017 3:08 pm
Forum: Investing - Theory, News & General
Topic: Is investing with Vanguard a tragedy of the commons?
Replies: 41
Views: 4864

Re: Is investing with Vanguard a tragedy of the commons?

No. It is not a tragedy of the commons situation at all. The tragedy of the commons applies to consumable resources without property rights. The equity markets are not a consumable resource and they do come with property rights, so you need to come up with a different economic model.

Next objection.
by jhfenton
Sun Nov 19, 2017 1:58 pm
Forum: Investing - Theory, News & General
Topic: Is treating all accounts as one bucket really simpler
Replies: 21
Views: 2799

Re: Is treating all accounts as one bucket really simpler

To answer the original question: Yes. It is simpler. In fact, I don't see how it's practical to mirror anything but the simplest allocation in every account. In our case, we have 8 (usually 9) accounts spanning the range from low 5 figures to mid 5 figures to low 6 figures to mid 6 figures. When my ...
by jhfenton
Sun Nov 19, 2017 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA
Replies: 8
Views: 1207

Re: Health Equity HSA

My employer uses HealthEquity, and I do a transfer from them to HSA Bank a couple times per year . I keep a small amount of money in HSA Bank to pay the $5.50/mo fee, and everything else in TDA. Like you, I don't feel like paying an AUM fee to HE and an ER to Vanguard; at least the HSA Bank fee doe...
by jhfenton
Sat Nov 18, 2017 3:41 pm
Forum: Investing - Theory, News & General
Topic: As we gear up for the predictions season, a look back on how they fared for 2017 so far
Replies: 19
Views: 2293

Re: As we gear up for the predictions season, a look back on how they fared for 2017 so far

I ask folks to guess what color dress their wife is going to wear every thursday for the next month. Then I ask them to tell me how often they are right. If you can't predict that 4/4 times KNOWING the inside information of her wardrobe AND her thought process in her dress style then how in the wor...
by jhfenton
Sat Nov 18, 2017 11:35 am
Forum: Investing - Theory, News & General
Topic: Morningstar - AQR: The Vanguard of Alternative Investing?
Replies: 58
Views: 5170

Re: Morningstar - AQR: The Vanguard of Alternative Investing?

Theoretical wrote:
Sat Nov 18, 2017 10:01 am
At Fidelity, many of them are available for a $2500 minimum in an IRA.
Thanks. That is good to know.
by jhfenton
Sat Nov 18, 2017 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Benefits of Flagship
Replies: 38
Views: 6333

Re: Benefits of Flagship

Vanguard allows you to include Vanguard MF/ETF held in a 401K to count. Does anyone know how you actually do that? I'd be well over the flagship limit if it counted those. I believe they only count Vanguard funds held in 401(k) plans for which Vanguard is the record-keeper. I hold a Vanguard fund i...
by jhfenton
Sat Nov 18, 2017 9:28 am
Forum: Investing - Theory, News & General
Topic: Morningstar - AQR: The Vanguard of Alternative Investing?
Replies: 58
Views: 5170

Re: Morningstar - AQR: The Vanguard of Alternative Investing?

When AQR funds are widely available to retail investors at reasonable minimums, wake me up. Until then, they might as well be DFA or Stone Ridge. They don't exist in my non-advisor retail investor world.
by jhfenton
Sat Nov 18, 2017 9:19 am
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 101
Views: 11380

Re: Buying and Spending Bitcoin

Fascinating discussion, but my understanding is that in the US the IRS considers bitcoin to be an asset not a currency. So, when you buy bitcoin you acquire an asset and must record the cost in US dollars. When you then buy something, say a sandwich at Subway, you are selling the asset and must rec...
by jhfenton
Fri Nov 17, 2017 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA
Replies: 8
Views: 1207

Re: Health Equity HSA

Option 4: Do an in-kind transfer from HSA Bank/TD Ameritrade to Lively/TD Ameritrade and reduce your annual cost to $30 ($2.50/month from outside the HSA) Someone in the Lively thread did an in-kind transfer at TD Ameritrade from another HSA custodian to Lively--I don't remember which one--so it sho...
by jhfenton
Fri Nov 17, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 57
Views: 4449

Re: Replace TVs with Smart Tvs or not?

As others have said, get a Roku (3 or newer) or an Apple TV (4th or 5th gen). The Apple TV makes sense if you are in the Apple ecosystem, otherwise the Roku is a bit cheaper. We have a 4th gen Apple TV in the kitchen, and our 4K TV has Roku built-in. Both work very well with all the streaming servic...
by jhfenton
Fri Nov 17, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 147
Views: 16129

Re: New HSA provider Lively offers investments for $30/yr fee

In retrospect, I'm not sure why mine sailed through with everything frozen. Could be that Lively added new measures for identity check. It's not unusual for things to change quickly at startups. FYI - Opened my account today and the only identity check was a few demographic questions. All 3 credit ...
by jhfenton
Thu Nov 16, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Figuring out SPEM/SPDW mix to replicate VXUS
Replies: 3
Views: 359

Re: Figuring out SPEM/SPDW mix to replicate VXUS

Of course, with the difference in expense ratios (0.04 vs. 0.11), I may just go with SPDW and live with a mild tilt toward developed markets. I wouldn't make allocation decisions based on paying 7 bp more for emerging markets. 11 bp is an amazing price for an EM fund. Heck, 11 bp is the expense rat...
by jhfenton
Thu Nov 16, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 147
Views: 16129

Re: New HSA provider Lively offers investments for $30/yr fee

Where do you find that language? It is not in my Lively HSA agreement nor my Choice Financial Terms and Conditions. I generally don't have any issues with arbitration agreements, but the specifics matter, and I didn't recall reading that. Terms & Conditions found on the Sign Up page: https://lively...
by jhfenton
Thu Nov 16, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 147
Views: 16129

Re: New HSA provider Lively offers investments for $30/yr fee

8.6 30-Day Right to Opt Out. You have the right to opt out of the provisions of this Arbitration Agreement by sending a timely written notice of your decision to opt out to the following address: Lively, Inc. c/o/ Legal, 188 King St., #502, St., San Francisco, CA 94107, support@livelyme.com within ...
by jhfenton
Wed Nov 15, 2017 8:22 pm
Forum: Personal Consumer Issues
Topic: AT & T outage - [Nationwide outage]
Replies: 12
Views: 1266

Re: AT & T outage - hacked?

That explains my father's issues in northern KY. We were unable to call each other when we tried this evening.
by jhfenton
Wed Nov 15, 2017 8:09 pm
Forum: Investing - Theory, News & General
Topic: Saturna=the only no-fee HSA investing option
Replies: 4
Views: 749

Re: Saturna=the only no-fee HSA investing option

Saturna's "free" funds aren't a realistic option once you get a sizable balance. Plus, you are quite limited in your choices to get something with a non-obscene expense ratio. I may be stuck with limited investment choices in my 401(k), but where I have choices, I am not going to limit myself to a s...
by jhfenton
Wed Nov 15, 2017 3:19 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 255
Views: 26452

Re: [Yahoo Finance no longer works - Alternatives to download securities quotes]

Well, I was all happy to figure out GOOGLE SHEETS and it works well. Except...it doesn't update mutual fund prices until sometime much later than I'd like (about 6:30PM Eastern). Anyone else notice this? Any good workaround? Nope. They're not updated until sometime long after I've gone to bed. That...
by jhfenton
Wed Nov 15, 2017 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Figuring out SPEM/SPDW mix to replicate VXUS
Replies: 3
Views: 359

Re: Figuring out SPEM/SPDW mix to replicate VXUS

Vanguard shows VXUS as 19.9% emerging markets, so I think 80/20 would essentially be market weight. With one caveat, though. Vanguard FTSE funds classify South Korea as a developed market, so South Korea is 3.8% of the 80.1% developed in VXUS. MSCI (and the SPDR funds) classify South Korea as emergi...
by jhfenton
Wed Nov 15, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 147
Views: 16129

Re: New HSA provider Lively offers investments for $30/yr fee

indexfundfan wrote:
Tue Nov 14, 2017 5:37 pm
jhfenton wrote:
Tue Nov 14, 2017 8:21 am
In retrospect, I'm not sure why mine sailed through with everything frozen.
Could be that Lively added new measures for identity check. It's not unusual for things to change quickly at startups.
That's certainly possible. :beer The freeze didn't even cross my mind at the time.
by jhfenton
Tue Nov 14, 2017 1:57 pm
Forum: Investing - Theory, News & General
Topic: P/E ratio only 18??
Replies: 8
Views: 926

Re: P/E ratio only 18??

I hadn't seen 18.x for the S&P 500, even for a forward P/E. M* shows about a Price/Prospective Earnings of 20.6 for the S&P 500. I'm not sure what earnings estimates the S&P Dow Jones is basing their number on. (M* has my other holdings at forward P/E's ranging from 21.3 (VIOV - Vanguard S&P 600 Val...
by jhfenton
Tue Nov 14, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: Passive investing is a 'chaotic system' that could be dangerous?
Replies: 20
Views: 1856

Re: Passive investing is a 'chaotic system' that could be dangerous?

I'm going to give Shiller the benefit of the doubt and assume that CNBC's headline is inflammatory and his quote pulled out of context, because the implication of the headline and quote is completely asinine.
by jhfenton
Tue Nov 14, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Clements: Your "Number One Number"
Replies: 24
Views: 3689

Re: Clements: Your "Number One Number"

You find it hard to understand that there are not houses cheap enough to be 9% of the average person's gross income? Given that the median household income is $50,000/year, or $4,166.67/month, you find it hard to understand that people can't find houses cheap enough to make their PITI be $375/month...
by jhfenton
Tue Nov 14, 2017 8:21 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 147
Views: 16129

Re: New HSA provider Lively offers investments for $30/yr fee

I'm in the process of doing a transfer to Lively. They want a copy of my drivers license to verify my identity. I'm a bit uncomfortable with this. Has anyone else ran into a request like this? Did you freeze your credit information? Mine is frozen at the Big 3, Innovis, and Chexsystems, and I didn'...
by jhfenton
Tue Nov 14, 2017 8:17 am
Forum: Investing - Theory, News & General
Topic: "No Transaction Fee" (NTF) hidden fees; TDAmeritrade
Replies: 8
Views: 1036

Re: "No Transaction Fee" (NTF) hidden fees; TDAmeritrade

I still hate to see less well informed investors getting taken in by the NTF marketing gimmicks. I seems to me that many investors, especially young or new investors, really do believe they are getting a free service because the advertisers are trying to make them believe that. Agreed. It's a great...
by jhfenton
Tue Nov 14, 2017 7:54 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 147
Views: 16129

Re: New HSA provider Lively offers investments for $30/yr fee

I'm in the process of doing a transfer to Lively. They want a copy of my drivers license to verify my identity. I'm a bit uncomfortable with this. Has anyone else ran into a request like this? Lively did not request that from me. I completed everything online, including digitally signing my transfe...
by jhfenton
Tue Nov 14, 2017 7:49 am
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 255
Views: 26452

Re: How to Get Stock Quotes Into Excel

Next, I will have to see if I have the unload/load problem with refreshing. I didn't have that problem with the RCH version. (If so, my next step will be learning how to create a macro). Anyway, thanks again. I'm thrilled to get this working! :beer Congrats. The other advantage I've found with smfG...
by jhfenton
Tue Nov 14, 2017 7:39 am
Forum: Investing - Theory, News & General
Topic: "No Transaction Fee" (NTF) hidden fees; TDAmeritrade
Replies: 8
Views: 1036

Re: "No Transaction Fee" (NTF) hidden fees; TDAmeritrade

I agree completely with the article, of course. There's a reason why you don't see any dirt cheap mutual funds in the now old-fashioned NTF fund platforms. Those funds almost universally have 12b-1 fees that have you paying for the NTF platform. And I am positive that "platform payments" from fund c...
by jhfenton
Mon Nov 13, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Clements: Your "Number One Number"
Replies: 24
Views: 3689

Re: Clements: Your "Number One Number"

HCOL areas typically have high concentration of populations in a smaller than average land mass. Demand for housing is high enough to keep cost of housing higher than average. :D I understand economics and why HCOL areas are HCOL. :beer My personal preferences, both financial and environmental are ...
by jhfenton
Mon Nov 13, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Clements: Your "Number One Number"
Replies: 24
Views: 3689

Re: Clements: Your "Number One Number"

And you think you're anywhere near the average? I put 29% down on the cheapest house I could find in my town - $209,000. Still results in a PITI that is 16% of my gross income (20% of net). And you better believe the average person doesn't find the cheapest house possible and put 29% down. You make...
by jhfenton
Mon Nov 13, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Clements: Your "Number One Number"
Replies: 24
Views: 3689

Re: Clements: Your "Number One Number"

I'd be a little careful. There is the numerator and the denominator. Perhaps your denominator is a lot larger than the average household. And if you are in a blue collar/skilled trades profession in NYC, San Fran, etc. I can easily see why this figure gets close to 50%. I understand our denominator...
by jhfenton
Mon Nov 13, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Clements: Your "Number One Number"
Replies: 24
Views: 3689

Re: Clements: Your "Number One Number"

This statistic was rather shocking: I advise keeping total fixed living costs to 50% or less of pretax income—and yet the typical American family spends that much just on their home and car. :shock: That is hard to imagine. Our mortgage (principal, interest, property taxes, insurance) is about 9% o...
by jhfenton
Mon Nov 13, 2017 8:43 am
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 255
Views: 26452

Re: How to Get Stock Quotes Into Excel

I just switched TO the SMF Add-in. I had never used it until a week ago. The smfGetYahooPortfolioView still works to load prices and price changes (and ~90 other fields if you want), and works much faster than the ticker by ticker Excel webservice to Yahoo functions that I used to use. The quirks o...
by jhfenton
Sun Nov 12, 2017 6:27 pm
Forum: Investing - Theory, News & General
Topic: Should you own only non-U.S. stocks?
Replies: 63
Views: 6397

Re: Should you own only non-U.S. stocks?

Are you a betting man (or woman)? I am ok with a tilt towards Int'l, but only with about 10-15% of my portfolio. S&P is also up 15% this year. You're not tilting towards int'l, you're tilting away from int'l and strongly towards US. (Today, int'l is 47.6% of world market.) Sorry to confuse you, I c...
by jhfenton
Sun Nov 12, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 255
Views: 26452

Re: How to Get Stock Quotes Into Excel

I've already been through the change from MSN Money to Yahoo SMF Add-in, and now this ... very nice to have a workaround so quickly. I just switched TO the SMF Add-in. I had never used it until a week ago. The smfGetYahooPortfolioView still works to load prices and price changes (and ~90 other fiel...
by jhfenton
Sun Nov 12, 2017 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Bond ETF: Active or Passive?
Replies: 7
Views: 675

Re: Bond ETF: Active or Passive?

There's definitely a case for active in bonds, especially in munis, corporates, high yield, GNMAs, etc. In many cases, the indices are limited to the most-liquid bond issues at the expense of a few bp of yield. I, for one, would never pick VTEB over one of Vanguard's actively-managed muni bond funds...
by jhfenton
Sat Nov 11, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Quick Question [Target 2050 or S&P 500 index for 401k?]
Replies: 6
Views: 682

Re: Quick Question [Target 2050 or S&P 500 index for 401k?]

Not knowing anything else, such as what outside investments you have, I'd say stick with the Target Retirement 2050 Trust Plus. It's hard to beat that four-fund portfolio at that fee. VIIIX by itself is not a diversified portfolio.
by jhfenton
Sat Nov 11, 2017 11:24 am
Forum: Investing - Help with Personal Investments
Topic: taxes on selling off photo gear?
Replies: 13
Views: 1002

Re: taxes on selling off photo gear?

Surprisingly, it seems like you will owe sales tax for any "casual sales" over $600: https://www.tax.ny.gov/pdf/current_forms/st/st131i.pdf-- whether that's cumulative or per item I'm less clear on. Wow. Ohio doesn't tax casual sales at all. It would never even have occurred to me to check. Since N...