Search found 668 matches

by dual
Fri Sep 21, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 7667

Re: Don't trust Tripadvisor reviews

I usually read the low rated reviews for reasons. If they are subjective like rude staff or ugly drapes I dismiss them. I am looking for physical verifiable reasons: a multi-story place with no elevators or a major train line running a block from the place. You can also use google maps street view t...
by dual
Thu Sep 13, 2018 10:58 am
Forum: Investing - Theory, News & General
Topic: [Deleted]
Replies: 176
Views: 27239

Re: Ray Dalio’s latest fearmongering round

How would this be actionable for the individual? If depreciating currency then PM or TIPS? Curious questions. :sharebeer How about the "Permanent Portfolio?" See the eponymous book by Craig Rowland https://www.amazon.com/Permanent-Portfolio-Long-Term-Investment-Strategy-ebook/dp/B0097VBOHG/ref=sr_1...
by dual
Wed Sep 12, 2018 11:46 am
Forum: Investing - Theory, News & General
Topic: Avoiding creeping complexity
Replies: 14
Views: 1648

Re: Avoiding creeping complexity

There are many reasons to believe that simplicity is an investor's friend, ..... In order to simplify, I took some long-term capital gains and put my ducks back in a row with a three-fund portfolio set-up, and this time I'm really serious about keeping things simple, not just starting simple. What ...
by dual
Wed Sep 12, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Implementing a QCD at Fidelity
Replies: 17
Views: 1820

Re: Implementing a QCD at Fidelity

My wife and I have done QCDs thru Fidelity the last two years by requesting checkbooks for our IRA accounts. Simple to do and then we simply write the checks to the charity and mail them directly. We keep those checkbooks well hidden so we don't inadvertently use them to pay for groceries! We keep ...
by dual
Thu Sep 06, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Implementing a QCD at Fidelity
Replies: 17
Views: 1820

Re: Implementing a QCD at Fidelity

I found the Fido withdrawal form at https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/charitable-ira-one-time-withdrawal.pdf and it answered some of my questions. The form only specifies mailing the check to me or to the charity. It states: A Medallion signature guarantee is require...
by dual
Thu Sep 06, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Implementing a QCD at Fidelity
Replies: 17
Views: 1820

Re: Implementing a QCD at Fidelity

Even though you can take RMDs any time during the year you turn 70.5, you must actually be at least 70.5 to make a QCD. 70.4 will not qualify. Thanks. Yes I am aware of the rules. Here is a good summary: http://www.kitces.com/blog/qualified-charitable-distribution-qcd-from-ira-to-satisfy-rmd-rules-...
by dual
Thu Sep 06, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Implementing a QCD at Fidelity
Replies: 17
Views: 1820

Implementing a QCD at Fidelity

I'm going to have to start required minimum distributions from my IRA next year and I'm thinking of doing a qualified charitable distribution (QCD) from my Fidelity IRA. I would like some advice and tips from those of you who have done this already. I would like to have a check made out in the name ...
by dual
Tue Sep 04, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Working for a municipality
Replies: 26
Views: 2726

Re: Working for a municipality

Many government agencies have large, poorly funded liabilities for retiree pensions and medical insurance. In order to mask the amount of under-funding the government pension funds are assuming unrealistic rates of return on their assets. Even with these unrealistic assumptions, as the expenses grow...
by dual
Mon Sep 03, 2018 1:06 am
Forum: Personal Finance (Not Investing)
Topic: Under insured motorist insurance
Replies: 19
Views: 1220

Re: Under insured motorist insurance

Uninsured and under insured coverage is unsually what you ask for, which in our case is the same coverage as our personal insurance. ($500K each person,, $500K each accident, $100K each property damage) I look at it this way, what if I was t boned by an uninsured driver, and I had a couple of passe...
by dual
Sun Sep 02, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Under insured motorist insurance
Replies: 19
Views: 1220

Re: Under insured motorist insurance

I've received some advice from a local injury attorney that he believes everyone should carry underinsured motorist (UIM) policy. I do not buy this coverage. My philosophy is to insure only for events that will affect my finances in a substantial way. Most UM coverage limits that I have been offere...
by dual
Wed Aug 29, 2018 11:33 pm
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 83
Views: 9074

Re: Recommend a good SOCK. Yes, I said SOCK!

Do you know how long it's been since they moved to China? Maybe I'm still wearing old stock - mine have lasted for quite some time now. Probably 4-5 years. Read the reviews on Amazon https://www.amazon.com/Gold-Toe-Cushion-Fluffie-3-Pack/product-reviews/B000SP0VII/ref=cm_cr_getr_d_paging_btm_next_6...
by dual
Tue Aug 28, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 83
Views: 9074

Re: Recommend a good SOCK. Yes, I said SOCK!

GOLD TOE Ever since they moved their manufacturing to China, Gold Toes are a pallid reflection of their former glory. Read their reviews on Amazon. I have been a cushion foot fluffy man for decades but I cannot abide the current version. Before washing they are obviously much thinner with little cu...
by dual
Sun Aug 26, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2489
Views: 409192

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I am not a tax professional or expert. That being said, if Etrade is reimbursing you for a fee paid to TDAmeritrade, you might be able to list both on Schedule B, with the TDA amount being a negative number (net result is zero, for the two transactions). Because it's really a reimbursement. I do no...
by dual
Fri Aug 24, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2489
Views: 409192

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

As part of my accounts consolidation, I am closing my TDAmeritrade account and transferring to Etrade. It is also nice to get a transfer bonus :D I will probably get hit with the TDAM $75 account closing fee. My question is the tax aspects. I will most likely get a 1099Misc for the full transfer bon...
by dual
Thu Aug 23, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Auto insurance - Collision premium
Replies: 12
Views: 808

Re: Auto insurance - Collision premium

FWIW I only insure for events that could affect my overall financial well-being so I do not carry collision coverage. If you are like most Bogleheads you can replace the car without it affecting you significantly. I am not saying you would like it but you could do it. Most BH are also better than av...
by dual
Wed Aug 22, 2018 4:01 pm
Forum: Personal Investments
Topic: Short term investment (90 days)- but too large for CD's
Replies: 9
Views: 1211

Re: Short term investment (90 days)- but too large for CD's

U.S. 3 Month Treasury Bill's (TMUBMUSD03M ), should also be considered. Do you pay US taxes on the interest? If so, what is your state tax rate? Depending on the rate, this will increase the taxable equivalent yield of the TBill, which is not taxable by states. In a high tax state like California i...
by dual
Wed Aug 22, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: The futility of stock market forecasts
Replies: 8
Views: 1941

Re: The futility of stock market forecasts

Taylor Larimore wrote: Tue Aug 21, 2018 9:54 pm Bogleheads:

If you still believe in market forecasts, read these headlines:

Best wishes.
Taylor
Although amusing, this is anecdotal evidence and is certainly not a proof that forecasts that are accurate enough to improve your investment results are not possible.
by dual
Tue Aug 21, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: All figured out
Replies: 20
Views: 2420

Re: Made a big mistake with HSA and looking to fully inform myself before my meeting with accountant.

Get a grip. What a hysterical reaction. This is not TAX FRAUD (scream ). When OP filed his returns he in good faith believed his policy was conforming. Have you read the rules on insurance plans? They are highly technical and I defy you to make a definitive ruling based on a description of a plan. I...
by dual
Tue Aug 21, 2018 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: All figured out
Replies: 20
Views: 2420

Re: Made a big mistake with HSA and looking to fully inform myself before my meeting with accountant.

I say no harm no foul. You did a good faith effort to follow the rules. Change your insurance to a conforming plan and continue with your contributions to the HSA. If the IRS catches up with you (not likely), plead ignorance and pay the penalties. You will be no worse off than if you try to fix it n...
by dual
Tue Aug 21, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 13967

Re: Excessive Emergency Room Charges - Options?

This is not a fair question. The system is broken. It's not like they give you a list of prices, and you get a chance to "agree" to pay that amount. You get to agree or disagree if they should try to save you during a medical emergency. You don't get to haggle over the prices. You don't even get to...
by dual
Tue Aug 21, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: You Invest from JP Morgan [free trades offer]
Replies: 75
Views: 7723

Re: Discount broker stocks dive on news J.P. Morgan Chase to offer free trading

So I deposit $1 million, purchase VT and.... Nothing for 30 years. How do they make money out of me as a BH? The dividends will land in the settlement/sweep account where they likely will earn below market interest. Also, I think they can lend your shares of VT and charge the short-seller interest.
by dual
Sun Aug 19, 2018 4:45 pm
Forum: Personal Investments
Topic: Transferring Tax-Advantaged Small-Cap to another broker
Replies: 7
Views: 410

Re: Transferring Tax-Advantaged Small-Cap to another broker

but why would you want to hold vanguard funds outside of vanguard? For simplicity. I have been doing some estate planning and I want to consolidate accounts to make it easier for my heirs. Thanks for the suggestions. My preference is to consolidate at Fidelity. I will call them next week to see if ...
by dual
Sun Aug 19, 2018 12:23 pm
Forum: Personal Investments
Topic: Transferring Tax-Advantaged Small-Cap to another broker
Replies: 7
Views: 410

Transferring Tax-Advantaged Small-Cap to another broker

I want to transfer my VTMSX to another broker but it has a large unrealized capital gain so I do not want to sell it. Is there a way to transfer it? It looks like the fund only has Admiral shares--no investor class. Is this correct? I found a thread on Morningstar that discusses holding Admiral shar...
by dual
Sat Aug 18, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 126
Views: 27281

Re: The Fall of Consumer Reports

I never had much use for CR. They consider themselves experts on everything from orange juice to computer flash drives to cars and trucks to house roofing and everything else where they assert their expertise. Whenever they review something where I have in-depth knowledge I do not agree with their c...
by dual
Fri Aug 17, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: My Wife is going to do an independent contracting job-401k?
Replies: 10
Views: 888

Re: My Wife is going to do an independent contracting job-401k?

You are a lot better off researching this yourself than relying on random strangers on a website. A quick search turns up this https://www.irs.gov/retirement-plans/one-participant-401k-plans Go to your public library and look up the JKLasser tax book and other references. My experience I made my liv...
by dual
Fri Aug 17, 2018 1:31 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 121424

Re: It's not enough to mumble "Stay the Course" ??

" Stay the course . No matter what happens, stick to your program. I've said "Stay the course" a thousand times, and I meant it every time. I t is the most important single piece of investment wisdom I can give to you. " -- Jack Bogle in "Common Sense on Mutual Funds" (underline mine) Enough said. ...
by dual
Mon Jul 30, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Charitable Family Foundation - Best way forward
Replies: 25
Views: 2225

Re: Charitable Family Foundation - Best way forward

I’m wondering whether if my wife and I have skills that would help worthy international charities, would creating our own foundation more easily allow us to expense our travel in support of these causes? See this article at the Wall Street Journal. Apparently the tax law on foundations has a lot of...
by dual
Thu Jul 26, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: negative comments about "Brazil nuts"
Replies: 32
Views: 4165

Re: negative comments about "Brazil nuts"

Some comments: Why Brazil nuts? Although selenium content is taken as negative by some here, it actually has many benefits. Roy Walford's book The 120 year diet has a great discussion in Ch. 7 including references to the relevant scientific papers. Selenium is toxic in large quantity. Walford discus...
by dual
Sat Jul 21, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Family Foundation - Best way forward
Replies: 25
Views: 2225

Re: Charitable Family Foundation - Best way forward

IANAL but interested in the topic. I think posters should answer the OP's question instead of trying to talk him out of it. His points make sense. See https://www.bogleheads.org/forum/viewtopic.php?f=11&t=252131&newpost=3981988 and the post by senex on the difficulty of evaluating charities. Some su...
by dual
Thu Jul 12, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 3517

Re: How to plan for health insurance at a young age?

[ No, they are actually not very rare. They occur on a regular basis. In fact, companies that provide health coverage generally reinsure against claims over $1 million. The ACA addressed some of the issues regarding reinsurance. https://healthpayerintelligence.com/news/reinsurance-changes-payers-ca...
by dual
Thu Jul 12, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 3517

Re: How to plan for health insurance at a young age?

I am all for open, honest discussions. These ministries seem to be put forth when people ask about health insurance. They are not health insurance, that would a good place to start the discussion. OK, let's have a discussion. Why are they not health insurance? What is your definition of health insu...
by dual
Wed Jul 11, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 3517

Re: How to plan for health insurance at a young age?

The presumption here seems to be that you absolutely must have medical insurance. What about self-insuring? I am sure someone will immediately come up with some scenario where care for an illness costs millions. Illnesses that will cost near a million to treat and will leave you with an expectation...
by dual
Wed Jul 11, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 3517

Re: How to plan for health insurance at a young age?

The presumption here seems to be that you absolutely must have medical insurance. What about self-insuring? I am sure someone will immediately come up with some scenario where care for an illness costs millions. Well, those are exceedingly rare else no one could afford insurance. In that scenario yo...
by dual
Mon Jul 02, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 245
Views: 27166

Re: Vanguard to offer non-Vanguard ETFs commission-free

This is nice but as a Flagship member I get IIRC ~20 commision free trades per year. I have never come close to the limit.
by dual
Sun Jul 01, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Rented car, got rear ended - hit and run
Replies: 20
Views: 2669

Re: Rented car, got rear ended - hit and run

Please keep us posted as this saga progresses. I have heard of rental car coverage through a credit card, but no tales of how well it works in real life. You're doing us a public service by posting your experience. Good luck! My story: Driving down the street in Tucson I heard a loud crack, looked ...
by dual
Thu Jun 28, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: AOL - update to terms of service
Replies: 29
Views: 2493

Re: AOL - update to terms of service

I have a website and domain that I use for a permanent email address but ran into the following problem: Apparently my ISP also hosts some sites that are considered spammers. Although they have a different URL apparently they share some of the IP address for my website so some spam filters tend to f...
by dual
Wed Jun 27, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 113
Views: 20664

Re: Umbrella Policy: Right amount for $7 mil net worth?

I do not understand making a connection between your net worth and the umbrella policy amount. AFAIK juries are not told the amount of your insurance or your net worth so the award should not be related. Once a jury awards above say $1 million then the sky is the limit and the amount actually awarde...
by dual
Thu Jun 14, 2018 11:43 pm
Forum: Personal Investments
Topic: Anyone buying Individual Short Term Treasuries?
Replies: 19
Views: 1878

Re: Anyone buying Individual Short Term Treasuries?

https://i.imgur.com/kr5mTfo.png?1 Tbill rates: http://www.treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=yield Date 1 mo 3 mo 6 mo 1 yr 2 yr 3 yr 5 yr 6/1/18 1.74 1.92 2.1 2.28 2.47 2.61 2.74 6/4/18 1.77 1.94 2.13 2.3 2.52 2.64 2.78 6/5/18 1.82 1.94 2.13 2.32...
by dual
Thu Jun 14, 2018 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Will Vanguard/Fidelity automatically deduct QCD from RMD?
Replies: 27
Views: 3150

Re: Will Vanguard/Fidelity automatically deduct QCD from RMD?

Definitely do not do a QCD any earlier than the day you attain age 70.5, preferably after that date. Under the QCD rules, the IRA owner must be at least age 70 ½ to do the QCD to the charity (and notably, the IRA owner must actually be age 70 ½ or older on the date of distribution, not merely turni...
by dual
Thu Jun 14, 2018 9:22 am
Forum: Personal Investments
Topic: Anyone buying Individual Short Term Treasuries?
Replies: 19
Views: 1878

Re: Anyone buying Individual Short Term Treasuries?

Sandtrap wrote: Thu Jun 14, 2018 9:16 am Considered Short Term Treasuries last month.
Bought Short Term Brokered CD's instead.
j
Can you give an example of a 6 month CD at vanguard, Fidelity, Schwab etrade that beats the same term Tbill?
by dual
Thu Jun 14, 2018 2:12 am
Forum: Personal Finance (Not Investing)
Topic: Will Vanguard/Fidelity automatically deduct QCD from RMD?
Replies: 27
Views: 3150

Re:

in my case. However, I will not be turning 70 1/2 until early December, 2018 and it is very important that Vanguard reports the IRA withdrawals associated with my QCDs as having occurred before the end of 2018. According to the IRS: https://www.irs.gov/retirement-plans/plan-participant-employee/ret...
by dual
Mon Jun 11, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 57
Views: 6069

Re: Water heater installation situation

I have an indoor water heater but the new code requires them to be outside. Trouble is the long run takes forever to get hot water and is wasteful. I found that installers for places like HomeDepot were not willing to do what I wanted so I found a local handyman who did it. That was in 2009 and it h...
by dual
Sun Jun 03, 2018 12:53 pm
Forum: Personal Investments
Topic: TSP Advice - Retiring Soon
Replies: 38
Views: 5654

Re: TSP Advice - Retiring Soon

If you decide to continue monthly withdrawals, consider rolling the TSP to an IRA with a broker like Schwab, Etrade, etc. *You get a lot more and better investment options *The administration will be easier and less error prone. *you can earn a nice transfer bonus (see the thread here on BH or http:...
by dual
Mon May 28, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Considering iPad to replace failing Nexus tablet
Replies: 60
Views: 5610

Re: Considering iPad to replace failing Nexus tablet

Infrequent but necessary
...
Kindle app
Due to the Apple tax, you cannot buy ebooks from the Ipad Kindle App. You can buy them by logging in to your Amazon account on the Ipad browser and then downloading to the App.
by dual
Mon May 28, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding IRS hassle: Form 4868 and miscategorized EFTPS payment
Replies: 8
Views: 1218

Re: Avoiding IRS hassle: Form 4868 and miscategorized EFTPS payment

Somewhat off topic but relevant. Why use EFTPS? I pay my taxes with my BofA Premium rewards credit card. Since I have over $100K in my MerrillEdge account, I get an effective rebate of 2.625% with no limit on the maximum yearly rebate. The payment on pay1040.com charges 1.87% so I make 0.755% on the...
by dual
Sat May 26, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Computer RAM Prices
Replies: 11
Views: 1584

Re: Computer RAM Prices

Ok, you got me to go look at ram prices for the first time in nearly a decade... Looks like $50 buys about 4GB. My goodness they have gone up. Here is the price for 8 gigabytes (GB) from my last PC build in 2012 (still going strong :!: :D ) 1 of: Corsair Vengeance 8 GB ( 2 x 4 GB ) DDR3 1600 MHz (P...
by dual
Mon May 07, 2018 1:52 pm
Forum: Forum Issues and Administration
Topic: Making it easier to track posts from the OP
Replies: 50
Views: 8757

Re: Making it easier to track posts from the OP

Some points: 1. A browser search ctrl+F only works on the current page. It has to be repeated for multi-page threads. 2. My experience is that the google forum search is usually several days behind. Apparently they do not crawl the site very often. I do not have experience with the gear search to se...
by dual
Mon Apr 23, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Need to cut the cable cord - is there an alternative?
Replies: 42
Views: 5814

Re: Need to cut the cable cord - is there an alternative?

Wish I could convince DW to cut the cable cord :( Does she have particular shows she wants to watch? A lot of resistance to change is not rational. My sisters pay over $300/month on cable bills (don't ask) and then end up watching old movies on youtube but I cannot convince them to cut the cable. T...
by dual
Thu Apr 19, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new Toyota.[my fault comparing apples and oranges]
Replies: 36
Views: 6247

Re: Negotiating for a new Toyota.

I have been emailing with a sales person at the local Toyota dealership. I've bought two Camrys from the dealership (1992, 2006). Should I look elsewhere.? Does Costco have a pricing service to help you get better prices? Any other pricing services? Yes. According to the BH thread on email car buyi...
by dual
Sun Apr 08, 2018 11:06 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 97
Views: 12356

Re: New faster DNS - 1.1.1.1 by CloudFlare

As far as the tired aphorism about being the product, I offer Cory Doctorow’s comment at https://mobile.twitter.com/doctorow/status/980786713273364481 Doctorow: But they're just ahead of the curve. If you spend $500K on a John Deere tractor, you're the product. If you spend $80,000 on a luxury GM c...