Search found 324 matches

by Retired1809
Fri Apr 01, 2016 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Unlimited card 1.5% back + bonus
Replies: 85
Views: 15519

Re: Chase Freedom Unlimited card 1.5% back + bonus

This card also offers 5% reward for a given category each quarter; for instance the 5% reward applies to all grocery store purchases between April 1 and June 30, 2016 as well as to purchases at Sam's Club and BJ's Wholesale. Of course, your credit score will take a hard hit if you apply for the card...
by Retired1809
Thu Mar 24, 2016 10:20 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4469
Views: 1260968

Re: What Book Are You Currently Reading? Part VI

John Grisham's Sycamore Row after finishing Grisham's A Time to Kill. Both in Ford County, MS. Excellent.
by Retired1809
Sun Mar 13, 2016 7:38 pm
Forum: Investing - Theory, News & General
Topic: Why are only 93.8% of SPY's dividends "qualified dividends?"
Replies: 30
Views: 7170

Re: Why are only 93.8% of SPY's dividends "qualified dividends?"

So, how do we explain the fact that my 1099-DIV shows that only 93.8% of State Street's 500 ETF, SPY's dividends are qualified while Vanguard's 1099-DIV shows that 100% of the dividends on their 500 EFT are qualified? Don't they have the identical portfolios?
by Retired1809
Sun Mar 13, 2016 5:18 pm
Forum: Investing - Theory, News & General
Topic: Why are only 93.8% of SPY's dividends "qualified dividends?"
Replies: 30
Views: 7170

Re: Why are only 93.8% of SPY's dividends "qualified dividends?"

Because both VTI and VOO hold REITs (whose dividends are not qualified), perhaps I should have asked why 100% of VTI and VOO dividends are qualified.
(VOO is Vanguard's S&P 500 ETF.)

shhhh.... don't tell the IRS? I'm happy with 100%.
by Retired1809
Sun Mar 13, 2016 4:22 pm
Forum: Investing - Theory, News & General
Topic: Why are only 93.8% of SPY's dividends "qualified dividends?"
Replies: 30
Views: 7170

Re: Why are only 93.8% of SPY's dividends "qualified dividends?"

Taylor, Thank you for your response. However, the Vanguard link only refers to Vanguard's S&P 500 index fund, not the SPY 500 fund. SPY is of course not a Vanguard fund. I went back to my 2014 1099-Div and found similar data for SPY: 94.1%. The Vanguard index funds are obviously more tax-efficient, ...
by Retired1809
Sun Mar 13, 2016 4:01 pm
Forum: Investing - Theory, News & General
Topic: Why are only 93.8% of SPY's dividends "qualified dividends?"
Replies: 30
Views: 7170

Why are only 93.8% of SPY's dividends "qualified dividends?"

I just noticed that my 1099-DIV shows that only 93.8% of the dividends earned on SPY (the S&P 500 ETF) are "qualified dividends" for tax purposes, meaning that 93.8% of the dividends are eligible for favorable tax treatment. In contrast, another of my 100-DIV shows that 100% of the dividends earned ...
by Retired1809
Wed Mar 02, 2016 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Trust Services
Replies: 19
Views: 2476

Re: Vanguard Trust Services

Big Worm replied to me: As far as I can tell, they don't really do anything except hold the funds. I keep feeling like I am missing something here though. Seems no different than normal investing with Vanguard, except that the investment is labeled a trust fund and is taxed differently and requires ...
by Retired1809
Wed Mar 02, 2016 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Trust Services
Replies: 19
Views: 2476

Re: Vanguard Trust Services

I haven't had any experience with Vanguard Trust but they would be at the top of my list to call when and if I need trust services. What surprised me about your post is your statement that there is no charge for Vanguard Trust services other than any advisory services I might use. Have you confirmed...
by Retired1809
Tue Feb 23, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4469
Views: 1260968

Re: What Book Are You Currently Reading? Part VI

"A Time to Kill," by John Grisham.

I'm enjoying it.
by Retired1809
Tue Feb 09, 2016 7:15 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4469
Views: 1260968

Re: What Book Are You Currently Reading? Part VI

Taking a break from John Grisham by reading Harry Markopolos's "No One Would Listen," about the writer's repeated attempts to tell the SEC that Madoff was a fraud without success. I got interested in reading his book after viewing the two-episode movie on Madoff last week on ABC TV. I'm sure that sh...
by Retired1809
Sun Feb 07, 2016 10:29 pm
Forum: Investing - Theory, News & General
Topic: Will the Super Bowl Theory Hold Up This Time?
Replies: 27
Views: 5722

Re: Will the Super Bowl Theory Hold Up This Time?

http://www.marketwatch.com/story/super- ... siteid=rss

Will the Stovall theory hold up this year? If so, the Denver win tonight would suggest a down year for stocks.
by Retired1809
Fri Feb 05, 2016 9:30 am
Forum: Investing - Theory, News & General
Topic: Take the Verb Tense Pledge!
Replies: 69
Views: 8113

Re: Take the Verb Tense Pledge!

The O.P. has made a keen observation that should make any Boglehead proud. The point is that the past is past, the present is the present, and the future is unknown. I hereby take the pledge.
by Retired1809
Mon Jan 25, 2016 9:23 pm
Forum: US Chapters
Topic: Happy Birthday Taylor!
Replies: 87
Views: 8817

Re: Happy Birthday Taylor!

Happy Birthday, Taylor! I've always thought that one of the best things that can be said of anyone: "He taught us to fish." And Taylor, you've taught investors everywhere "how to fish." (And I'll add, while avoiding the sharks of Wall Street.) Further, you've trained an army of Bogleheads to carry o...
by Retired1809
Thu Jan 21, 2016 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Brick and Mortar Bank in Massachusetts?
Replies: 31
Views: 2775

Re: Brick and Mortar Bank in Massachusetts?

If you're near a branch of Digital Credit Union, I'd recommend them for their completely free checking for both personal checking or business . Interesting history: Digital was originally the credit union for employees of Digital Equipment and is not open to anyone, anywhere who will contribute $5 j...
by Retired1809
Fri Jan 15, 2016 8:48 pm
Forum: Personal Investments
Topic: Asset allocation % - Do I aim for total portfolio %s or focus on each account?
Replies: 11
Views: 1480

Re: Asset allocation % - Do I aim for total portfolio %s or focus on each account?

I agree that an investor should take an overall, top-down, global view of his or her collective portfolio of financial assets (while perhaps subtotaling the portions in taxable vs retirement assets). What I have in mind is a dashboard tool that firms like Vanguard, TIAA-Cref and Fidelity offer but t...
by Retired1809
Sun Dec 20, 2015 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: QCDs have been made permanent [Qualified Charitable Distributions]
Replies: 21
Views: 2448

Re: QCDs have been made permanent [Qualified Charitable Distributions]

I understand that QCDs can only be made from IRAs which is all well and good for holders of IRAs. My retirement funds are in 403(b) and 401(a) plans. Is there anyway I can make QCS short of rolling my retirement plans into IRAs?
by Retired1809
Sat Dec 05, 2015 9:06 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4469
Views: 1260968

Re: What Book Are You Currently Reading? Part VI

Rogue Lawyer by John Grisham
by Retired1809
Fri Dec 04, 2015 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 327
Views: 59244

Re: Vanguard TurboTax - Not Available 2015?

Thank you, P & C Actuary for posting: TurboTax desktop software products for 2015 will once again include popular forms that customers expect, reaffirming Intuit Inc.’s commitment to roll back changes made to last year’s product. The downloadable and CD versions of TurboTax Deluxe desktop software w...
by Retired1809
Sun Nov 22, 2015 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Checking Account Suggestions
Replies: 10
Views: 1744

Re: Joint Checking Account Suggestions

Just keep in mind that when two individuals open a joint bank account, EACH individual is liable for the acts of the other. You might want to just keep your separate accounts and "settle up" at the end of the month on joint expenses. Why add stress to your relationship at this point? I'm not a lawye...
by Retired1809
Mon Nov 09, 2015 11:42 am
Forum: Personal Finance (Not Investing)
Topic: 1099-MISC income and Roth
Replies: 5
Views: 1089

Re: 1099-MISC income and Roth

Tortuga, I agree with cherijoh. If you expect to continue to have consulting income int the future, I suggest that you look into establishing a one-person Roth 401k because there are no income limits for eligibility and you can contribute so much more than in a Roth IRA, $18,000 if you're under 59 1...
by Retired1809
Fri Nov 06, 2015 6:48 pm
Forum: Personal Investments
Topic: TIAA Real Estate Account (TREA)
Replies: 54
Views: 9612

Re: TIAA Real Estate Account (TREA)

Is there a dollar limit that a customer can invest in TREA?
by Retired1809
Wed Nov 04, 2015 10:57 pm
Forum: Investing - Theory, News & General
Topic: I Bonds vs 3% 3yr NWFCU CD
Replies: 23
Views: 4509

Re: I Bonds vs 3% 3yr NWFCU CD

From what we know today, I'd say that the 3% 3 yr CD would get my vote! Of course, the interest is taxable unless held in a Roth.

And in the iBond, there's an annual purchase limit. (But because I haven't bought any for several years, I'm not sure what it is currently.)

One vote for the CD.
by Retired1809
Thu Oct 22, 2015 1:54 pm
Forum: Personal Consumer Issues
Topic: Laptop recommendations for elementary kids
Replies: 24
Views: 2360

Re: Laptop recommendations for elementary kids

I bought a "scratch and dent" Samsung Chromebook last week from NewEgg.com for $104. With free shipping. I've been delighted with mine. Hold on to the original packaging for a month because if you're not happy, you can exchange it ONLY if you still have the original packaging.. I believe they still ...
by Retired1809
Mon Oct 12, 2015 8:26 pm
Forum: Personal Consumer Issues
Topic: $50 Amazon Fire Tablet (Initial Impressions)
Replies: 33
Views: 8259

Re: $50 Amazon Fire Tablet (Initial Impressions)

Thanks, RandomWalker. I was just coming back to post of my success. I had to sign up for Visa Checkout which seems like a handy feature anyway. I've been thinking about the Fire Tablet and this was just enough to tilt for the deal.
by Retired1809
Mon Oct 12, 2015 7:26 pm
Forum: Personal Consumer Issues
Topic: $50 Amazon Fire Tablet (Initial Impressions)
Replies: 33
Views: 8259

Re: $50 Amazon Fire Tablet (Initial Impressions)

Re: Staples deal

It looks like it's $69.95 at Staples. Where do you see $50 for the Staples combo deal?
by Retired1809
Mon Oct 12, 2015 7:13 pm
Forum: Personal Consumer Issues
Topic: $50 Amazon Fire Tablet (Initial Impressions)
Replies: 33
Views: 8259

Re: $50 Amazon Fire Tablet (Initial Impressions)

Re: Staples deal

It looks like it's $69.95 at Staples. Where do you see $50?
by Retired1809
Thu Oct 08, 2015 9:09 am
Forum: Investing - Theory, News & General
Topic: Burton Malkiel's new EM Fund
Replies: 36
Views: 3798

Re: Burton Malkiel's new EM Fund

My initial response was "Is this an April Fool's joke?" Yet, despite a careful reading of the posts, I concluded that it's "for real." The whole concept of an actively-managed fund just doesn't "square" with my long-held positive impressions of Dr. Makiel. What's the world coming to? What's next? Wo...
by Retired1809
Fri Oct 02, 2015 12:27 pm
Forum: Personal Investments
Topic: TIAA Traditional and Rising Interest Rates
Replies: 60
Views: 22083

Re: TIAA Traditional and Rising Interest Rates

What is the current rate for for Retirement Annuities purchased in 2013, 2014 and the first nine months of 2015?
by Retired1809
Tue Sep 29, 2015 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest way to form an LLC
Replies: 16
Views: 2267

Re: Cheapest way to form an LLC

This is admittedly off topic but I believe that another advantage of owning an LLC rather than a sole proprietorship is the long-term capital gains tax treatment associated with the sale of an LLC at a gain (held for over a year) vs. ordinary income tax treatment associated with selling a sole propr...
by Retired1809
Sun Sep 06, 2015 5:24 pm
Forum: Personal Investments
Topic: Confession time.....no stocks
Replies: 60
Views: 7732

Re: Confession time.....no stocks

Hoops, Regarding the Social Security "file and suspend" opportunity for you and your wife: I believe that you said that you and your wife both plan to wait until age 70 to begin taking Social Security benefits (which, unless you're a smoker, motorcycle driver, etc., is probably a good strategy). Onc...
by Retired1809
Sun Sep 06, 2015 5:09 pm
Forum: Personal Investments
Topic: Confession time.....no stocks
Replies: 60
Views: 7732

Re: Confession time.....no stocks

Hoops, I wanted to return to tell you that I believe you've done very, very well. Congratulations for your success. Many would envy how well you've done. I believe that it was William Bernstein who observed wisely that once you've won the game, don't keep playing. My point is that there is no need f...
by Retired1809
Sat Sep 05, 2015 5:18 pm
Forum: Personal Investments
Topic: Confession time.....no stocks
Replies: 60
Views: 7732

Re: Confession time.....no stocks

hoops, I'll assume that you're sincere in your request for advice on whether you should now, after the stock market has tripled, should begin dollar cost averaging into the market. I'd say the answer is yours alone. That said, I would only observe that you clearly showed that you don't have the stom...
by Retired1809
Sat Sep 05, 2015 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken - Admiral Share Class Improvements?
Replies: 12
Views: 1861

Re: Quicken - Admiral Share Class Improvements?

I am curious how many folks upgrade Quicken every year. I still use Quicken 2000 I received free from Citibank 15 years as a premium for applying for a free credit card. I use it for keep track of my business and personal accounting. So the answer is that I'll keep using it until somebody offers me ...
by Retired1809
Mon Aug 31, 2015 10:19 pm
Forum: Personal Investments
Topic: TIAA Traditional and Rising Interest Rates
Replies: 60
Views: 22083

Re: TIAA Traditional and Rising Interest Rates

The RA rate for September contributions has been posted: 3.9% (same as August). It is what it is but to my way of thinking, it's compelling for at least a part of, if not all of, ones balanced portfolio. As someone else has stated, while TIAA doesn't state it, the equivalent duration is around 4.5 y...
by Retired1809
Thu Aug 27, 2015 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]
Replies: 105
Views: 18850

Re: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]

I'll keep on using my trusty Quicken 2000. Citibank gave it to me for opening a credit card in 2000. So I've had free business software for over 15 years. To your question, I don't believe Quicken will die; someone will buy it as a cash cow, steady-Eddie performer.
by Retired1809
Tue Aug 18, 2015 3:53 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 533
Views: 93275

Re: Free Windows 10 Upgrade, Yes or No?

jebmke wrote: This is one of the main reasons we are not allowing W10 in our TaxAide sites this year. Even 8.1 can get testy with older printers. I solved the printer problem. I was able to get my ancient HP LaserJet4Plus printer to work with Windows 10 with my laptop and now I am confident that I c...
by Retired1809
Tue Aug 18, 2015 3:26 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 533
Views: 93275

Re: Free Windows 10 Upgrade, Yes or No?

After having great success upgrading a laptop originally with Windows 8 to Windows 10, I decided to try upgrading a desktop with Windows 7 to Windows 10 for a second time. (Last week after upgrading the desktop computer to Windows 10, I went back Windows 7 because of dissatisfaction of not being abl...
by Retired1809
Mon Aug 17, 2015 7:11 pm
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 181
Views: 36228

Re: Bernstein: "If you've won the game, stop playing."

Tonight on "Jeopardy," I saw a perfect example of Berstein's "If you've won the game, stop playing." Going into Final Jeopardy, the two players still trying to challenge the leader bet virtually all they had on the Final Jeopardy Clue while the player with the comfortable lead bet only a small token...
by Retired1809
Sat Aug 15, 2015 6:27 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 533
Views: 93275

Re: Free Windows 10 Upgrade, Yes or No?

Last week I reported that my old Hewlett Packard LaserJet 4 Plus would not work with Windows 10. I need to retract that now that HP has provided updated drivers, I've been able to successfully use my trusty HP printer with Windows 10. It took patience but I finally got it to work. I'm not sure how o...
by Retired1809
Sun Aug 02, 2015 9:30 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 533
Views: 93275

Re: Free Windows 10 Upgrade, Yes or No?

I reluctantly upgraded from Windows 7 to Windows 10 and initially liked Windows 10 - until I tried to use my HP LaserJet 4 Plus printer (I depend on this old printer because I print a lot and its ink is cheap). Googling the problem suggests that I need to replace my "Parallel to USB Converter cable"...
by Retired1809
Thu Jun 11, 2015 12:53 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4469
Views: 1260968

Re: What Book Are You Currently Reading? Part VI

Over the last three weeks, I've read three books, all by Kent Haruf after reading a review of his last book. I read the first two while waiting for the publication of his latest book. I enjoyed each of the three books and am looking forward to reading more of his early works: "Plainsong." To me, thi...
by Retired1809
Thu Jun 04, 2015 5:07 pm
Forum: Personal Consumer Issues
Topic: Chromebook purchase
Replies: 30
Views: 4220

Re: Chromebook purchase

mptplan said: To be clear, you can print with a Chromebook. It's true that you may not be able to print on an ancient printer because of a lack of a usb or wifi enabled connection, but that would be true of most new laptop computers that you would buy now. There is nothing unique about a Chromebook ...
by Retired1809
Thu Jun 04, 2015 12:35 pm
Forum: Personal Consumer Issues
Topic: Chromebook purchase
Replies: 30
Views: 4220

Re: Chromebook purchase

I actually ordered the 12" Chromebook that Amazon began taking advance orders for two months ago. The $149 price hooked me, but I canceled my order when I realized that I couldn't use my trusty old HP LazerJet4+ (high capacity ancient printer that spits out 10,000 pages for the $50 generic ink cartr...
by Retired1809
Sun May 24, 2015 2:54 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4469
Views: 1260968

Re: What Book Are You Currently Reading? Part VI

Kent Haruf's Plainsong.

Very well written. Fascinating read.
by Retired1809
Sun May 17, 2015 7:49 pm
Forum: Personal Investments
Topic: ?
Replies: 13
Views: 2883

Re: My 457(b)

Before I can make a recommendation as to your asset allocation in your 457(b) account, I need to know about the rest of your investments - both your taxable as well as tax-preferenced assets. I assume that your 457(b) is just one piece of your "puzzle." Asset allocation should take all of your asset...
by Retired1809
Thu Apr 23, 2015 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Manually Manage Quicken?
Replies: 46
Views: 6292

Re: Anyone Manually Manage Quicken?

Of course I enter everything manually - with my free version of Quicken 2000 given to me by a credit card issuer in 2000. I've never understood why anyone would download account information from the financial institution. If you take the bank's word for the transactions, what good would it do to do ...
by Retired1809
Sat Apr 04, 2015 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Buy more expensive house to improve financial situation?
Replies: 37
Views: 12171

Re: Buy more expensive house to improve financial situation?

In my opinion, this is a non-brainer. To begin, you seem to take it for granted that it's wise to tie yourself down with a mortgage. And second, you are extrapolating past gains to assume that prices will continue to rise. I agree that a house is a consumption item. If you have excess funds, use the...
by Retired1809
Sat Apr 04, 2015 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 82
Views: 24392

Re: Can I afford a $1M house?

In a world in which de-leveraging is going to continue for the foreseeable future, I wouldn't think of advising this purchase. In my opinion, you should be accumulating funds to pay for your kids' upcoming college expenses as well as funding your retirement. A million dollar house requires expensive...
by Retired1809
Sun Mar 01, 2015 7:00 pm
Forum: Investing - Theory, News & General
Topic: Charley Ellis Guesting on Bob Brinker today
Replies: 10
Views: 1889

Re: Charley Ellis Guesting on Bob Brinker today

You're welcome. I made the post without any recommendation either way. Charles Ellis is not a market timer. And I first discovered Bob Brinker in around 1987 when he was recommending I bonds with a base rate of 3% or better. It's the first time I had ever heard a radio program recommend I bonds so h...