Search found 21548 matches

by sscritic
Sun Aug 03, 2014 3:56 pm
Forum: Personal Investments
Topic: Life Strategy Fund fee question
Replies: 34
Views: 2589

Re: Life Strategy Fund fee question

I'm good though. The last thing I wanted was to cause chaos in the forum. I think you should stick around. This is not chaos, just a minor snark which will be quickly forgotten if you'll give it a chance. We all have good days and bad days, and sometimes people can get a little grumpy. But rarely d...
by sscritic
Sun Aug 03, 2014 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: tax form: sale of rental property
Replies: 7
Views: 1855

Re: tax form: sale of rental property

The IRS has publications. A house is property just as a mutual fund is. You report sales on Schedule D and Form 8949. For information on how to figure and report any gain or loss from the sale, exchange or other disposition of your rental property, see Publication 544, Sales and Other Dispositions o...
by sscritic
Sun Aug 03, 2014 2:41 pm
Forum: Personal Investments
Topic: Life Strategy Fund fee question
Replies: 34
Views: 2589

Re: Life Strategy Fund fee question

+1 to the above. [OT comment removed by admin LadyGeek] Don I disagree. A thread is more than just the answer to the original question. That is just a single fish. This forum is supposed to be educational. A single question can lead to a profusion of useful information, useful not only to the perso...
by sscritic
Sun Aug 03, 2014 2:28 pm
Forum: Personal Investments
Topic: Life Strategy Fund fee question
Replies: 34
Views: 2589

Re: Life Strategy Fund fee question

I think search is an important topic and learning how to search is one form of learning to fish. I have been going to the library for over 60 years, and fairly early on I was taught how to use the card catalog. You could search by author, by title, or by subject. Depending on what you are looking fo...
by sscritic
Sun Aug 03, 2014 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Inexpensive paper check replacement?
Replies: 19
Views: 2207

Re: Inexpensive paper check replacement?

Some recent threads found by using the search box in the top right. Costco comes up a lot. http://www.bogleheads.org/forum/viewtopic.php?f=11&t=138646 http://www.bogleheads.org/forum/viewtopic.php?f=11&t=140496 P.S. I get mine free by leaving huge sums on deposit at all of my banks. I also get free ...
by sscritic
Sun Aug 03, 2014 12:42 pm
Forum: Personal Consumer Issues
Topic: How often do you replace bath towels?
Replies: 50
Views: 11136

Re: How often do you replace bath towels?

I'll add to the chorus suggesting to donate to animal causes (veterinarians, shelters, animal sanctuaries, etc). Here is another use for old towels that Mudpuppy will appreciate. When it rains, spread them outside to soak up as much water as possible. It works best if you have a hundred old towels ...
by sscritic
Sun Aug 03, 2014 12:33 pm
Forum: Personal Investments
Topic: Life Strategy Fund fee question
Replies: 34
Views: 2589

Re: Life Strategy Fund fee question

You are obviously not the welcoming committee. ... I apologize for bogging this forum down with another redundant question, it won't happen again because of me. I did not object to your question; in fact, I gave a rather complete answer explaining the role of the Acquired Fund Fees. If was only aft...
by sscritic
Sun Aug 03, 2014 12:11 pm
Forum: Personal Investments
Topic: Life Strategy Fund fee question
Replies: 34
Views: 2589

Re: Life Strategy Fund fee question

[OT comment removed by admin LadyGeek] [Response to OT comment removed by admin LadyGeek] I think the point is a valid one. The forum has a search box and a wiki. Often a question has been asked and answered previously. The prospectus also has important information about your fund. If you didn't kn...
by sscritic
Sun Aug 03, 2014 11:51 am
Forum: Personal Investments
Topic: Life Strategy Fund fee question
Replies: 34
Views: 2589

Re: Life Strategy Fund fee question

There are four LifeStrategy funds. I am still looking for a 0.17. 0.15 nope 0.17 could be the one 0.14 nope 0.16 nope OK, so now we know you picked the most expensive fund. So let's look up close and personal. If you look at the landing page, this fund doesn't have an ER. Acquired fund fees and expe...
by sscritic
Sun Aug 03, 2014 10:31 am
Forum: Personal Finance (Not Investing)
Topic: What finance experts do you follow on Twitter?
Replies: 44
Views: 10140

Re: What finance experts do you follow on Twitter?

Can someone (sscritic or other) please explain to me how this post is on topic or constructive? I would like to understand it also. It seems more and more often certain huge post count people get a lot more leeway for things others are throttled for saying. Sad really, as it detracts from the good ...
by sscritic
Sun Aug 03, 2014 10:08 am
Forum: Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 20588

Re: How Much Did You Lose Today?

You only lost something if you believe you "had it" the day before. There seems to be an assumption among those arguing on behalf of the position there was a loss - even if you did not sell - that the higher value is the baseline. What is the rationale for thinking of the value of an equity portfol...
by sscritic
Sun Aug 03, 2014 9:44 am
Forum: Personal Consumer Issues
Topic: Drought Management
Replies: 60
Views: 4665

Re: Drought Management

P.S. I like salmon. Please send your extra water you have captured in your buckets to a river that needs it to support the salmon runs. P.P.S. Please stop smoking pot. Pot farms kill salmon. For many users and advocates of marijuana, the boom in the West Coast growing industry may be all good and gr...
by sscritic
Sun Aug 03, 2014 9:37 am
Forum: Personal Consumer Issues
Topic: Drought Management
Replies: 60
Views: 4665

Re: Drought Management

I don't understand how capturing the rainwater running off my roof into gutters then into barrels which I will later use to water my landscaping is depriving anyone downstream. It's all going to end up on the ground eventually, I'm just time-shifting it. No, you are place shifting it, which is the ...
by sscritic
Sun Aug 03, 2014 9:10 am
Forum: Personal Consumer Issues
Topic: Drought Management
Replies: 60
Views: 4665

Re: Drought Management

Maybe it is time to watch Chinatown again.
by sscritic
Sun Aug 03, 2014 8:29 am
Forum: Personal Consumer Issues
Topic: Drought Management
Replies: 60
Views: 4665

Re: Drought Management

Apparently the problem is that it doesn't allow the water to return to the aquifer or streams/rivers for others to use. That's just silly. Tons of gallons of water run off a residential roof during a mild rainstorm. The containers one would have to use to impact the aquifer or streams and rivers wo...
by sscritic
Sat Aug 02, 2014 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: 2nd marriage: SS, legal marriage vs commitment ceremony?
Replies: 16
Views: 2406

Re: 2nd marriage: SS, legal marriage vs commitment ceremony?

As I understand the goal, she wants the largest survivor benefits possible. What do you get by delaying marriage until after she is 60? That depends on the sequence of deaths. 1) she dies first (she is never a widow). Delay gains nothing. 2) you die first, she dies second (she is your widow, not his...
by sscritic
Sat Aug 02, 2014 9:32 pm
Forum: Personal Consumer Issues
Topic: Drought Management
Replies: 60
Views: 4665

Re: Drought Management

What kind of monthly usage are you shooting for? 100 gallons? 1000 gallons? 5000 gallons? We get billed by the HCF every two months. Last bill 18 x 748 / 2 = 6,732 gallons a month for June and July. I am tier one which goes up to 29 HCF for two months. What should I shoot for? I guess we need more ...
by sscritic
Sat Aug 02, 2014 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Should I close this credit card with Annual fee
Replies: 20
Views: 2530

Re: Should I close this credit card with Annual fee

This sounds like a first card (in fact, the OP said so). The timing was perfect. Fees were a response to the CARD Act. Updated 10/16/2009 Bank of America (BAC) is sending notices to a limited number of customers that it will start charging an annual fee for some of its rewards credit cards starting ...
by sscritic
Sat Aug 02, 2014 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: 2nd marriage: SS, legal marriage vs commitment ceremony?
Replies: 16
Views: 2406

Re: 2nd marriage: SS, legal marriage vs commitment ceremony?

I didn't see the word religious until your post.
commitment ceremony
I am sure a hippie will be willing to preside. [I am going to see Hair tomorrow.]
by sscritic
Sat Aug 02, 2014 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should I close this credit card with Annual fee
Replies: 20
Views: 2530

Re: Should I close this credit card with Annual fee

I have a Macys store credit card from early 2010 (not sure if store cards count though) Have you ever looked at a free credit report? Macy's will be there. It will have a name like MCYDSNB, which might stand for Macys Department Store National Bank. You get a mark even for months when you don't cha...
by sscritic
Sat Aug 02, 2014 6:12 pm
Forum: Personal Investments
Topic: Ee bonds dated 9/95 through 8/97
Replies: 9
Views: 990

Re: Ee bonds dated 9/95 through 8/97

Does the OP realize that maturity for an EE bond means that a bond purchased for 1/2 face value in 9/95 will be worth 1x face value at the maturity date, probably 9/2015. I have some of those and yes the interest rate before maturity (and after) is low, but the treasury steps them up on the maturit...
by sscritic
Sat Aug 02, 2014 6:07 pm
Forum: Personal Consumer Issues
Topic: How often do you replace bath towels?
Replies: 50
Views: 11136

Re: How often do you replace bath towels?

I buy two packs of Costco's white bath towels, 6 to a package, about once every two years. The same with wash cloths. I bought a stack of Costco wash clothes, the square ones (a pack of 24). I use them for wiping up spills in the kitchen and as wash clothes when my granddaughters stay over. However...
by sscritic
Sat Aug 02, 2014 6:02 pm
Forum: Personal Consumer Issues
Topic: Arthur Murray Dance Lessons
Replies: 20
Views: 5546

Re: Arthur Murray Dance Lessons

To add to RM's last post. If you compete, you need lessons and you need practice. Lots of both. And money. Yes, lots of that as well. My daughter was a competitive ice skater, as was my friend's daughter (we first met in a class, then at the Y for swimming lessons for the kids, then again at an ice ...
by sscritic
Sat Aug 02, 2014 5:31 pm
Forum: Personal Consumer Issues
Topic: Arthur Murray Dance Lessons
Replies: 20
Views: 5546

Re: Arthur Murray Dance Lessons

I have never been, but a good friend has been going to AM for years (until just recently). She competes, sometimes with her husband, and sometimes with a gay man who is a better dancer than her husband is. The better partner is usually the one who accompanies her to out of town competitions. If it w...
by sscritic
Sat Aug 02, 2014 3:25 pm
Forum: Personal Investments
Topic: My IPS in computer pseudocode [Investment Policy Statement]
Replies: 24
Views: 3641

Re: My IPS in computer pseudocode

⍝ Your comments are all wrong. A comment starts with *. See your COBOL manual.

⍝ My favorite comment indicator is the lamp.
The symbol ⍝, for obvious reasons called "lamp", indicates a comment:
by sscritic
Sat Aug 02, 2014 3:01 pm
Forum: Personal Consumer Issues
Topic: How often do you replace bath towels?
Replies: 50
Views: 11136

Re: How often do you replace bath towels?

I'm single... what is this replace deal you speak of, and why do some people have so many towels? :D I am also single. After reading this thread, I think I should hang four towels in my bathroom and rotate between them. Each towel will be used once every four days, giving them plenty of time to dry...
by sscritic
Sat Aug 02, 2014 2:44 pm
Forum: Personal Consumer Issues
Topic: Good Morning Snore Solution
Replies: 2
Views: 773

Re: Good Morning Snore Solution

The thing ain't cheap, $100 or so, but apparently there's a free 30-day trial, but since it ships from Canada they charge $20 worth of shipping and handling fees. Then, if you return it, you have to ship it back across an intenational border, for $20 or so. So it would cost roughly $40 to try the t...
by sscritic
Sat Aug 02, 2014 1:47 pm
Forum: Investing - Theory, News & General
Topic: Treasury to allow annuities in 401k/IRAs
Replies: 4
Views: 892

Re: Treasury to allow annuities in 401k/IRAs

Clearly I missed the relevant discussions. Thanks sscritic. Shows how much time I've had to spend on Bogleheads recently :-( You have missed a lot. I am assuming you found the master thread, but for those who didn't, this is the one I was thinking of, the one with 98 posts. http://www.bogleheads.or...
by sscritic
Sat Aug 02, 2014 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: "Backdoor" Roth [tax liability of traditional IRA]
Replies: 6
Views: 681

Re: "Backdoor" Roth [tax liability of traditional IRA]

Actually, the answer isn't that simple, although it is. In a community property state, you might think that that would make a difference, but it doesn't. Since a conversion is a withdrawal from your IRA, this is relevant: Withdrawals from individual retirement arrangements (IRAs) and Coverdell Educa...
by sscritic
Sat Aug 02, 2014 12:21 pm
Forum: Personal Consumer Issues
Topic: How to fix door handle?
Replies: 25
Views: 3653

Re: How to fix door handle?

Since it is broken, I suggest a new unit, although it still might work since the screw can still grab the spindle. If you look at the inside of the screw, you should see six sides. An Allen wrench has six sides and fits inside your screw so you can turn it. Here are google pictures. Look the at the ...
by sscritic
Sat Aug 02, 2014 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Tax on Death beneift held inside an annuity inside an IRA?
Replies: 21
Views: 2541

Re: Tax on Death beneift held inside an annuity inside an IR

It's not an IRA held inside and IRA. It's an annuity held inside an IRA. I'm not sure how more plainly I can state it. While IME, it's rarely a good idea to purchase and annuity inside an IRA, it's hardly uncommon. If you can answer my tax question based on the information I have given you, then I'...
by sscritic
Sat Aug 02, 2014 11:31 am
Forum: Personal Consumer Issues
Topic: How often do you replace bath towels?
Replies: 50
Views: 11136

Re: How often do you replace bath towels?

I do what sscritic does. The question therefore is how frequently do new towels enter the house. I'm guessing somewhere around every 3-4 years at least one new towel enters the house, but that doesn't tell you how old the average towel-in-daily-use is. I would guess 8 years or so. You model the sto...
by sscritic
Sat Aug 02, 2014 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Best way to earn a pension
Replies: 38
Views: 6374

Re: Best way to earn a pension

The same sort of calculations have to be made if you are in a system and they let you buy credits. Now some systems are stupid and sell credits on the cheap, which makes them a great buy. When CA first offered credits they did this, until someone figured that it broke a state law against using state...
by sscritic
Sat Aug 02, 2014 10:54 am
Forum: Personal Investments
Topic: buying shares in taxable
Replies: 7
Views: 691

Re: buying shares in taxable

Note that while buys are by dollar, sales are by shares. So, if you want to by 30 shares and the price is roughly $20, buy say $700 worth. Say the NAV is 22.31 so you get 31.376 shares. The next day, sell 1.376 shares leaving you with 30. Voila! Three caveats: I don't know if there is a minimum sale...
by sscritic
Sat Aug 02, 2014 10:38 am
Forum: Personal Consumer Issues
Topic: How often do you replace bath towels?
Replies: 50
Views: 11136

Re: How often do you replace bath towels?

I buy new towels, but I keep the old ones. Replace has no meaning for me. Really old towels are good for protecting things like lamps when you pack them for moving (but you can use a new one if you wish). Who throws away towels? It can't be a boglehead. P.S. I don't keep my towels in my bathroom. I ...
by sscritic
Sat Aug 02, 2014 10:33 am
Forum: Personal Investments
Topic: buying shares in taxable
Replies: 7
Views: 691

Re: buying shares in taxable

It would be a good trick if you can pull it off. This is what I see when I go to Vanguard to buy a mutual fund:

Code: Select all

Fund name	Balance 	Buy in dollars 
What do you see?

I always like questions based on a false premise. I could be wrong this time, but I think not.
by sscritic
Sat Aug 02, 2014 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Tax on Death beneift held inside an annuity inside an IRA?
Replies: 21
Views: 2541

Re: Tax on Death beneift held inside an annuity inside an IR

P.S. Asking a question and then disappearing for a week is not a good idea.
by sscritic
Sat Aug 02, 2014 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Tax on Death beneift held inside an annuity inside an IRA?
Replies: 21
Views: 2541

Re: Tax on Death beneift held inside an annuity inside an IR

This stuff is technical. Using the right terms is essential. An annuity can be, but rarely is, purchased by a 408(a). The annuity purchased by a 408(a) is not a 408(b). It is just an annuity that you can buy down the street. A 408(b) is something different. I don't think it is possible for a IRA to ...
by sscritic
Sat Aug 02, 2014 9:56 am
Forum: Personal Consumer Issues
Topic: How to fix door handle?
Replies: 25
Views: 3653

Re: How to fix door handle?

If he has lost the screw, I go with buy a new unit. It comes with instructions, as previously noted. The instructions are what he really needs; the new door fixture is just a bonus.
by sscritic
Sat Aug 02, 2014 9:44 am
Forum: Personal Finance (Not Investing)
Topic: 2nd marriage: SS, legal marriage vs commitment ceremony?
Replies: 16
Views: 2406

Re: 2nd marriage: SS, legal marriage vs commitment cerIemony

The Wizard wrote:I may have fumbled this a bit.
The age 70 comes from the OP as the age at which the prospective 2nd wife intends to switch to her own (presumably larger) SS benefit...
Now we are even. One fumble apiece. :) Actually, I am up to 1 1/2 fumbles at this point. You win!
by sscritic
Sat Aug 02, 2014 9:40 am
Forum: Personal Consumer Issues
Topic: How to fix door handle?
Replies: 25
Views: 3653

Re: How to fix door handle?

What have you tried? As I read, the suggestions were ask a neighbor or ask a father (in my granddaughters' case, they should ask their mother not their father). The other suggestion was to try to tighten it with an Allen wrench or a screw driver. I have never posted a picture here, so I can't help y...
by sscritic
Sat Aug 02, 2014 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Tax on Death beneift held inside an annuity inside an IRA?
Replies: 21
Views: 2541

Re: Tax on Death beneift held inside an annuity inside an IR

There are two kinds of traditional IRAs: 408(a)s and 408(b)s. Sometimes people speak of an annuity being inside an IRA of type (a) when what they really mean is a type (b) IRA. 26 U.S. Code § 408 - Individual retirement accounts (a) Individual retirement account For purposes of this section, the ter...
by sscritic
Sat Aug 02, 2014 9:27 am
Forum: Personal Finance (Not Investing)
Topic: 2nd marriage: SS, legal marriage vs commitment ceremony?
Replies: 16
Views: 2406

Re: 2nd marriage: SS, legal marriage vs commitment ceremony?

Let's go to the source: We will find you entitled to widow's or widower's benefits as the surviving divorced wife or the surviving divorced husband of a person who died fully insured if you meet the requirements in paragraphs (a) through (e) of this section: (a) You are the insured's surviving divor...
by sscritic
Sat Aug 02, 2014 9:07 am
Forum: Investing - Theory, News & General
Topic: Treasury to allow annuities in 401k/IRAs
Replies: 4
Views: 892

Re: Treasury to allow annuities in 401k/IRAs

A few weeks ago,
it was all over bogleheads. There were three or four threads all merged together. The search box will find them for you if you use appropriate search terms.

Actually, it was over a month ago. today being August 2.
Tue Jul 01, 2014
by sscritic
Sat Aug 02, 2014 9:00 am
Forum: Personal Finance (Not Investing)
Topic: 2nd marriage: SS, legal marriage vs commitment ceremony?
Replies: 16
Views: 2406

Re: 2nd marriage: SS, legal marriage vs commitment ceremony?

OK, so 60 is because you are going to die before she does but after her first husband so that she can be his widow and collect more than if she is your widow. Is that the point? How old is the divorced husband, 96? (e) You are unmarried, unless for benefits for months after 1983 you meet one of the...
by sscritic
Sat Aug 02, 2014 8:58 am
Forum: Personal Finance (Not Investing)
Topic: 2nd marriage: SS, legal marriage vs commitment ceremony?
Replies: 16
Views: 2406

Re: 2nd marriage: SS, legal marriage vs commitment ceremony?

Correct; if one files for DS benefit prior to age 66 and their own benefit is higher, then they will be DEEMED to be filing for their own higher benefit. My intent is to take my DS benefit for four years (age 66-70) to pump up my slush fund, and then switch to my own higher benefit at age 70. I don...
by sscritic
Sat Aug 02, 2014 8:23 am
Forum: Personal Finance (Not Investing)
Topic: 2nd marriage: SS, legal marriage vs commitment ceremony?
Replies: 16
Views: 2406

Re: 2nd marriage: SS, legal marriage vs commitment ceremony?

One can file for Divorced Spouse SS benefit at age 66 if they have not remarried and are otherwise entitled; I plan to do this in 18 months. But if you marry again after age 66, I believe you no longer receive any further payments under the Divorced Spouse rule... The code says you can be a divorce...
by sscritic
Sat Aug 02, 2014 8:12 am
Forum: Investing - Theory, News & General
Topic: Understanding Mutual Fund Purchase Price
Replies: 6
Views: 1554

Re: Understanding Mutual Fund Purchase Price

Me too: shares to four, price to six; ten digits in all.
by sscritic
Sat Aug 02, 2014 8:09 am
Forum: Personal Finance (Not Investing)
Topic: 2nd marriage: SS, legal marriage vs commitment ceremony?
Replies: 16
Views: 2406

Re: 2nd marriage: SS, legal marriage vs commitment ceremony?

You still can't marry under your plan:
She plans to file for divorced spousal benefits at her FRA (66)
(c) You are not married.
Age 60 is irrelevant for a divorced spouse.
by sscritic
Sat Aug 02, 2014 8:05 am
Forum: Personal Finance (Not Investing)
Topic: 2nd marriage: SS, legal marriage vs commitment ceremony?
Replies: 16
Views: 2406

Re: 2nd marriage: SS, legal marriage vs commitment ceremony?

OK, so 60 is because you are going to die before she does but after her first husband so that she can be his widow and collect more than if she is your widow. Is that the point? How old is the divorced husband, 96? (e) You are unmarried, unless for benefits for months after 1983 you meet one of the ...