Search found 625 matches

by ccieemeritus
Mon Apr 07, 2014 9:31 pm
Forum: Personal Consumer Issues
Topic: Dual pane windows
Replies: 11
Views: 1951

Re: Dual pane windows

I live in the bay area. We went with double-pane windows shortly after moving in a decade ago. It decreased noise, made it warmer in the winter and cooler in the summer. We kept our receipt since it adds to the cost basis of the house. We're happy with the wind and glad we did it. Too long ago for m...
by ccieemeritus
Sun Apr 06, 2014 8:12 pm
Forum: Forum Issues and Administration
Topic: Outage on 4/5/2014?
Replies: 14
Views: 2812

Re: Outage on 4/5/2014?

Thanks to the IT guys for fixing it on a Saturday.
by ccieemeritus
Fri Apr 04, 2014 11:10 pm
Forum: Investing - Theory, News & General
Topic: What are voting rights worth?
Replies: 9
Views: 1351

Re: What are voting rights worth?

It's now after the Friday market close after the split of GOOG into GOOG (non-voting) and GOOGL (in theory voting but in reality the founders have complete control at this time--this "dividend split" is part of their plan to maintain 100% control). Current prices: GOOG 543.14 GOOGL 545.25 A 0.4% dif...
by ccieemeritus
Fri Apr 04, 2014 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: I accidentally discovered a coworkers salary... now what?
Replies: 59
Views: 10573

Re: I accidentally discovered a coworkers salary... now what

I found part of a coworkers tax return on the printer just a few days ago. I know I've accidentally printed stuff at work myself when I was at home. I just read the top of the tax return to see whose it was. I returned it to them without looking at the numbers. If they weren't immediately available ...
by ccieemeritus
Fri Apr 04, 2014 2:10 am
Forum: Personal Consumer Issues
Topic: Trade XP computer for $100 credit at Best Buy
Replies: 6
Views: 1387

Re: Trade XP computer for $100 credit at Best Buy

Be sure to securely erase your data first.
by ccieemeritus
Thu Apr 03, 2014 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Accident Advice
Replies: 34
Views: 3101

Re: Auto Accident Advice

I like the $250 idea. Even if there is an accident there's no requirement to file a claim. There are requirements for accident reports to the dmv if there's an injury or damage is above $x. $x varies from state to state. If $x is $250 then settle for $249. I'd personally forget about notarization bu...
by ccieemeritus
Thu Apr 03, 2014 8:18 pm
Forum: Personal Consumer Issues
Topic: deleted
Replies: 12
Views: 1427

Re: road trip with kids, Northern California

Gilroy gardens is worth considering if you have the time and want to pay admission. Only open fri-sun at this point and closes at 5-6. Great for that age range.
by ccieemeritus
Thu Apr 03, 2014 1:09 am
Forum: Personal Finance (Not Investing)
Topic: Private elementary school tuition - any tax breaks?
Replies: 11
Views: 1208

Re: Private elementary school tuition - any tax breaks?

It's been a few years and I'm going from memory so please doublecheck this... If you and your wife both work, and the child is under 13, there's a tax credit for daycare but not private school tuition. In my case that applied to extended care (3-6pm) and summer school but not tuition for the 8am-3pm...
by ccieemeritus
Tue Apr 01, 2014 12:04 am
Forum: Personal Finance (Not Investing)
Topic: New Friends are the Anti-Bogleheads, what to do?
Replies: 93
Views: 11560

Re: New Friends are the Anti-Bogleheads, what to do?

+1 for you can't fix the world. I can't even convince some extended family members to spend less than they earn. That said, they did say they weren't good with money. And that they were going to meet with a financial adviser. That's your opening to give them a financial-related book next Christmas (...
by ccieemeritus
Mon Mar 31, 2014 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Best way to cancel credit card
Replies: 14
Views: 2129

Re: Best way to cancel credit card

Canceling cards is definitely superior to cutting.

Cut up cards will be replaced by mail when they expire.

Cut up cards can still be used fraudulently if the number is stolen from a vendor you used them at in the past (target).
by ccieemeritus
Sat Mar 29, 2014 12:36 am
Forum: Personal Consumer Issues
Topic: Being my own contractor for a bathroom remodel?
Replies: 19
Views: 4042

Re: Being my own contractor for a bathroom remodel?

I recently hired a contractor to do a bathroom remodel where I had the contractor interact with the inspector (although I was also present). A few years ago I hired the same contractor to do a kitchen remodel, but in that case I dealt with the inspector (using plans and diagrams drawn up with my con...
by ccieemeritus
Sat Mar 29, 2014 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Rank These 401(k) Providers
Replies: 43
Views: 8110

Re: Rank These 401(k) Providers

My wife's work 401k was in Diversified which got merged into Transamerica last year. The index fund available is the Principal LgCap 500 which has an expense ratio of 0.42%. The fund shows a 31.79% return in 2013. By comparison the Vanguard Employee Benefit Index Fund in my Schwab 401k, which also t...
by ccieemeritus
Thu Mar 27, 2014 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: I don't understand these two tiaa-cref accounts
Replies: 3
Views: 1133

Re: I don't understand these two tiaa-cref accounts

Thanks for the data. It's reassuring to hear from people with these accounts (since I'm used to 401k's).

Darrell
by ccieemeritus
Wed Mar 26, 2014 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: I don't understand these two tiaa-cref accounts
Replies: 3
Views: 1133

I don't understand these two tiaa-cref accounts

My wife had one job which resulted in a tiaa-cref account with two plans: 1) A defined contribution plan (sometimes referred to as retirement annuity contract per the tiaa website) 2) A tax deferred annuity plan Questions: 1) I don't understand the difference between the two plans, if any. I'm worri...
by ccieemeritus
Wed Mar 26, 2014 3:50 am
Forum: Investing - Theory, News & General
Topic: IRS: bitcoins are property for tax purposes in U.S.
Replies: 28
Views: 4475

Re: IRS: bitcoins are property for tax purposes in U.S.

Mining bitcoins sounds like a business. Profit = revenue - expenses. Expenses include electricity. Make sure you make a profit or the irs will consider it a hobby. Fill this out on schedule c. Unless the graphic cards are really expensive they are probably below the threshold for expensing in the ye...
by ccieemeritus
Wed Mar 26, 2014 2:44 am
Forum: Personal Finance (Not Investing)
Topic: Should I take this new job?
Replies: 15
Views: 2108

Re: Should I take this new job?

If the pay is the same and you want to leave the Bay Area, I'd go with your gut and leave. Saving enough to (for example) buy a house in the Bay Area is rough. A similar pay in Chicago should go much farther. I can't speak directly to your advancement question but you have to advance twice as far in...
by ccieemeritus
Wed Mar 26, 2014 2:21 am
Forum: Personal Finance (Not Investing)
Topic: Buying first home in SF - gut check
Replies: 93
Views: 14496

Re: Buying first home in SF - gut check

Watch out for the taxes from selling enough of your portfolio to get $800k. Depending on your cost basis you might have to sell well over $1m to net $800k to make the down payment. If you haven't already done so finish your 2013 taxes now to get used to the new tax rates. The average federal tax per...
by ccieemeritus
Tue Mar 25, 2014 1:50 am
Forum: Personal Finance (Not Investing)
Topic: our renters want to buy our rent house
Replies: 20
Views: 3188

Re: our renters want to buy our rent house

It seems to me if you enter this sort of contract you keep the risk if the price declines (they stop paying) and they get the benefit if the price rises. Meanwhile if you want to really sell the house to get the money to buy another, you won't have that option ( you are in effect becoming a bank pro...
by ccieemeritus
Thu Mar 20, 2014 12:52 am
Forum: Personal Consumer Issues
Topic: ANY secure Internet access while traveling?
Replies: 54
Views: 6117

Re: ANY secure Internet access while traveling?

I'm all for VPN if you find one you can trust (references from other Bogleheads are your best bet there- I get my VPN from work). What really helps me sleep at night is to avoid using reusable passwords for accounts with money in them. Bank of America sends me a text message with a random password e...
by ccieemeritus
Fri Mar 14, 2014 2:49 am
Forum: Personal Investments
Topic: Is brokerage money protected?
Replies: 18
Views: 2299

Re: Is brokerage money protected?

I believe stocks purchased on margin are treated somewhat differently for SIPC protection. I have a margin account, but never buy on margin. After reading about the SIPC not covering margins I called Schwab to goto a non-margin account. The guy at Schwab indicated that the margin account is helpful ...
by ccieemeritus
Thu Mar 13, 2014 1:27 am
Forum: Personal Finance (Not Investing)
Topic: Forgot to file form 8606 (Non Deductible IRA)
Replies: 9
Views: 5775

Re: Forgot to file form 8606 (Non Deductible IRA)

In 2013 I read Ric Adelman's book (the Truth about Money) and learned I failed to file the 8606 in 2005 and 2004 for my wife and I. In theory there's a penalty for late submission. I sent in the 2005/2004 8606 forms late (separate from a tax return) with a polite but short cover letter explaining th...
by ccieemeritus
Thu Mar 13, 2014 1:14 am
Forum: Personal Finance (Not Investing)
Topic: What is your 2013 Federal Effective Tax Rate?
Replies: 72
Views: 7382

Re: What is your 2013 Federal Effective Tax Rate?

The government deliberately makes taxes appear low by splitting them into a bunch of different taxes. Federal income tax + social security + medicare + state income tax (California for me) + property tax + California disability tax + sales tax = taxes (and I'm not even including the payroll tax, whi...
by ccieemeritus
Fri Mar 07, 2014 2:20 pm
Forum: Personal Consumer Issues
Topic: Kitchen Renovation: Go big....or not?
Replies: 25
Views: 2798

Re: Kitchen Renovation: Go big....or not?

I did a kitchen remodel a couple years ago. We kept it in the same location but increased our space by: 1) Eliminating a door from the kitchen to the side yard (a sliding glass door in the adjacent dining room made this unnecessary). This significantly increased our counter and cabinet space. 2) Eli...
by ccieemeritus
Fri Mar 07, 2014 2:04 pm
Forum: Investing - Theory, News & General
Topic: index versus actively managed funds - a case study
Replies: 10
Views: 1784

Re: index versus actively managed funds - a case study

Thanks for the feedback folks. Waba had a good point that the China fund account now has a capital loss which can be harvested. Also a good warning about dividend reinvestment making tax time complicated (I try to avoid transferring stocks between brokerages, so the brokerage can keep track of the c...
by ccieemeritus
Thu Mar 06, 2014 11:46 pm
Forum: Investing - Theory, News & General
Topic: index versus actively managed funds - a case study
Replies: 10
Views: 1784

index versus actively managed funds - a case study

Most of my accounts follow the Boglehead "index fund" mantra, but last year I set up two small custodial accounts for my kids. I bought "interesting" things so my kids would learn from reviewing the statements. Comparing the index fund results versus actively managed fund results was brutally educat...