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TheGreyingDuke

livesoft wrote: ↑Mon Jun 15, 2020 12:58 pm How about an ETF or mutual fund that has such a high expense ratio that the dividends are sucked away and shareholders don't get them?

Whether the dividends provide a net to the investor or not, as long as the underlying security paid it, the mutual fund owner will pay taxes on it.

TheGreyingDuke

Be cautious replacing furnace filters with higher MERV ratings yu may jeopardize heating and your furnace. My Rheem furnace is ~40yo. Is the merv rating shown on it? Where? I couldn't see anything on the outside of it, can't remove the panel. What filters are in there now? Look at them and either r...

TheGreyingDuke

Be cautious replacing furnace filters with higher MERV ratings yu may jeopardize heating and your furnace.

TheGreyingDuke

I have also been all-in at Vanguard for decades and was disappointed at the demise of Advantage. Otherwise, my needs are easily met. All dividends get swept to a high-yield savings account and once a month I make a transfer to a newly-opened Fidelity cash management account. The Fidelity account is ...

TheGreyingDuke

Ooni Koda pizza oven. Gas rather than wood fired. Bit of a learning curve but great pizza. Now if I could only find bread flour :( For the best pizza you want to use Italian OO flour, I am able to buy it in 55lb bags from a local distributor who delivers it to my door for $55 https://www.amazon.com...

TheGreyingDuke

10 yeard old bike, if the frame is in shape, should not be ready for the trash. Especially with your very limited use, if the bike fits well, no reason to buy new. If you cannot or do not want to do the repair a good bike shop is your friend. In my locale, there is a bike cooperative, all set with t...

TheGreyingDuke

That's a question lots of us ask about our own states. Seems like property taxes are easy to raise on constituents. I've considered becoming a full time renter, just to avoid them. Executive suites with deluxe high end apartment, paid for in part by property tax savings. I pay $4,000. a year for my...

TheGreyingDuke

Since it seems like just door panels, do we take it to Subaru dealership, or can regular collision shops get new door panels, paint them match, etc. While dealerships often have collision shops, that's usually not their forte. Some might outsource most of the work to a nearby shop. Quite likely you...

TheGreyingDuke

Last week I created a Vanguard taxable joint account for wife and myself. Funded it with $5k from our joint savings account at the bank. All went smooth with no problems. This morning I attempted to move another $5k from the same bank account but I keep getting a message that reads “this account mu...

TheGreyingDuke

You don't say what state you reside in but if you received a state subsidy on the purchase an keep it less than 3 years you may be expected to repay the rebate/credit.

TheGreyingDuke

I have EE bonds maturing over the net few years; the first of these occurred this month, I put the proceeds into a 529 account with me as beneficiary. The intention is to change the beneficiary to my grandson, no issues there. But with 6 or 7 of these maturing over the next few years is there any wa...

TheGreyingDuke

DTalos wrote: ↑Mon May 11, 2020 6:53 pm I ordered jeans that are too baggy. Is there a washer or dryer cycle that will shrink them to where they will look less baggy? Are baggy jeans in style?

Get into a tub of warm water with the on, soak for 20 minutes or so and then air dry them on you, better wait for warm weather.

TheGreyingDuke

Lazareth wrote: ↑Sat May 09, 2020 5:15 pm Dear Bogleheads,
I am a novice at trusts but have looked over many threads here and posts by bsteiner, afan, and other informative posters. I recently read the book "From the Grave". You've all made me appreciate that I need to get prepared first.

TheGreyingDuke

I have bought several phones on Swappa, looking for like-new examples of the just replaced model. Recently I bought a Pixel 3XL for $300, it was from someone who asserted they tried it and decided to go back to an iPhone. It was very mint and hundreds less that Google wanted. I did have one example ...

TheGreyingDuke

TOH did an interesting short on toilets a few months back. Supposedly flush problems can be caused by the little holes in the toilet rim getting plugged over time. Toilets that incorporate a separate water supply and well as "channel" to improve this rim wash might be the way of the futur...

TheGreyingDuke

I had some EE coming up on 30 years, these were paying over 4%. Given all that was going on mid-March, I thought I would deposit them in my Treasury Direct account so that there would be an easy redemption once they matured (May 1). I sent them off with a Forever stamp, two weeks later got an acknow...

TheGreyingDuke

They will want the first and last pages of the trust document, no difference in operations compared to individual or JTROS account

TheGreyingDuke

In 2020 I open a 529 with myself as beneficiary. When the bonds for 2020 mature, I deposit the proceeds into the account and then change the beneficiary to my grandchild. In 2021 I open another 529 with myself as beneficiary and repeat the action of 2020, and so on for the next ten years as new EE b...

TheGreyingDuke

I understand that the proceeds of my maturing EE bonds, issued after 1989, are able to be contributed to a 529, with me as beneficiary. I can then change the beneficiary to my grandson/daughter. But I have EE bonds coming due each year for the next 5 years or so, does that mean each year I need to o...

TheGreyingDuke

We're just about to plant two main garden areas. Just finished discing the dirt and getting it fluffed up. First, a 35 x 50 foot area that will be all corn. Two varieties, both supersweet, Vision F1 (yellow) and Glacial F1 (white.) First time we've planted this much, I calculate this to be about 15...

TheGreyingDuke

Long time Costco member here, about 4 years ago I moved to an area with no Costco but a BJs; they are not equivalents, Costco is much more to my liking with their selections. I stayed with BJs, mostly for the $10/pund parmesan cheese, the real stuff. Now they seem to have dropped this item so have b...

TheGreyingDuke

The recommendation for my Barazata Encore coffee mill suggests using the same setting for Hario drip and the Aeropress, one data point. I do as suggested and find that I like the Aeropress just a notch or two finer. You ask for "thicker" coffee, that can depend on the particular variety yo...

TheGreyingDuke

Lots of good suggestions here... 1) Grow what you like 2) Avoid varieties that take a lot of space for the output, you don't have much space. This would include corn, cukes, winter squash. 3) Plant succession crops, depending on your climate the same space can yield several crops over the season. Pe...

TheGreyingDuke

My wife and I recently sold her mom's house (she's now in assisted living and loving it) and I had my wife close her mom's brokerage account at Ameriprise. There were 9 funds that made up the account, I don't know the exact ones at the moment. So with my goal to have my mother-in-law not outlive he...

TheGreyingDuke

That's odd. I transferred money to other people's accounts on multiple occasions. Right, you can do an ACH transfer to someone else's account. In addition, back in the Vanguard Advantage days, I would need to wire money to Hong Kong, not a problem. I did have voice verification in place, not sure h...

TheGreyingDuke

One more: how about investors who already own it in one fund, and now want to buy it in a different existing fund? For instance, have it in a taxable account, don’t yet have it in their IRA and want to add it? Decades ago I wanted to buy Windsor, it was closed to new investors, my father transferre...

TheGreyingDuke

Kennebecs are a good all-around spud and apparently has some resistance to late blight

TheGreyingDuke

I'm tripling my vegetable garden this year to save money and want to try potatoes. It is my understanding that store-bought potatoes can be used even though they have something put on them to inhibit sprouting, but are they treated for or are they blight-resistant? I am not sure what you mean by &q...

TheGreyingDuke

I'd like to offer a third alternative. Negotiate between several dealers for the lowest "out the door" price by email. It depends on the brand and model but you should be able to get at least 15% of MSRP that way. I recently used this method and got a $45k MSRP Toyota for $37k. You can do...

TheGreyingDuke

The Origins of Totalitariansim by Hannah Arendt From Wikipedia: Le Monde placed the book among the 100 best books of any kind of the 20th century, while the National Review ranked it #15 on its list of the 100 best non-fiction books of the century. The Intercollegiate Studies Institute listed it am...

TheGreyingDuke

Any of the Barazata mills will do great. The Encore does not work so well if you are making espressos, otherwise it is fine. Great service, easily replaceable wear parts, solid machines.

TheGreyingDuke

Maybe I should rip up my front lawn and plant beans, tomatoes and sweet corn there. My city is fussy but I can claim it is my patriotic duty. Lawn services are not allowed to operate in my state during the stay-at-home order. Not sure if you were being facetious but corn needs to be grown in fairly...

TheGreyingDuke

I would consider other options for solving your problem of compacted soil. Tilling can make the problem worse, as it breaks up the desired soil texture, allows evaporation of beneficial nutrients, and can create an impenetrable smear level. The roots you mentioned as a problem should be able to add ...

TheGreyingDuke

* She Russian Kale is apparently a perennial and we'll be having a kale salad soon. Not a perennial but a biannual, sometime late Spring it will put out a flower/seed stalk. But if you start some kale now (indoors) and plant it out come April 20 or so, you could have an uninterrupted supply of kale.

TheGreyingDuke

Treasuries are easily handled as mentioned above; if you hold funds that hold treasuries there is a more complicated calculation that needs to happen. Vanguard publishes a list of each fund and the % of its income that is derived from Treasuries. You need to haul ut the calculator and figure out the...

TheGreyingDuke

Tonight, for my wife, son, and daughter-in-law:

MaPa Tofu
Tiger Skin peppers
Hot and sour potato threads
Fried Rice
Scallion Pancakes, dipping sauce
Broccoli and tree ears

We have time on our hands, what better way than to cook up a storm!

TheGreyingDuke

What do your bylaws and proprietary lease say?

TheGreyingDuke

I assume you are talking about the Kitchen Aid models? I have been making all of our bread (and we supply our son and his family) for years. I make 6-8 lbs of dough at a shot, every week or so. A KA would not work, 15 years ago about one of these and have never looked back: https://www.everythingkit...

TheGreyingDuke

As a mental health clinician, I share your concern. If you need help, get it! Pay cash if you can and then there is no trace (or little trace).

TheGreyingDuke

Too many uncertainties at this time to wager on your taking a flight in the near future. I would take the cash (it is king!) and run.

TheGreyingDuke

Interestingly, when I searched on Turbotax they had the misinformation that the tax rebate had expired in 2017 and had yet to be passed by Congress; that is manifestly incorrect. I see they have some questions about the rebate but direct you to the IRS site for instructions. I'm confused. I e-filed...

TheGreyingDuke

I just did an online search and found that this form is still not available for HRB customers but is available for TT customers. The OP may want to consider the alternative. Interestingly, when I searched on Turbotax they had the misinformation that the tax rebate had expired in 2017 and had yet to...

TheGreyingDuke

dratkinson wrote: ↑Mon Mar 16, 2020 9:17 pm
A brokerage account has a settlement fund. At Vanguard, it may be the Prime mmkt fund (VMMXX).

That was the default in the past, now it is the Federal Money Market Fund

TheGreyingDuke

Not in this situation, but I believe many jurisdictions (mine is) have temporarily liberalized rules for home daycare. There also might be some other parents that are not working their regular jobs because of this Corona Virus mess - and they might be willing to watch or take care of your children....

TheGreyingDuke

Hopefully your friend's friend hasn't yet petitioned the court for letters of appointment. If they have, they should seriously look into their options for resigning the appointment (I'm not sure how easy this is in each state). My friend is not involved in any official way (executor, personal repre...

TheGreyingDuke

A friend is helping a friend (really!) settle an estate in NM. Without lots of narrative the beneficiaries (2 generations) cannot reach agreement on settling; the will was totally inadequate and made little provision for distributions. The question is is there available any arbitration or mediation ...

TheGreyingDuke

As I mentioned in another thread, H&R does not have form 8911, needed to file for credit for installing electric vehicle charging equipment. It turns out they haven't had that form forever, really inexcusable on their part. I will reluctantly return to TurboTax, after a three-year hiatus.

TheGreyingDuke

OpenOffice as been supplanted by LibreOffice, not sure if the legacy app is still available. It has been my go-to app on Mac, Windows, and Linux machines for years

TheGreyingDuke

HueyLD wrote: ↑Fri Mar 06, 2020 7:06 am I just did an online search and found that this form is still not available for HRB customers but is available for TT customers.

The OP may want to consider the alternative.

Taxes are all but done at this point, I will give them another week

TheGreyingDuke

nalor511 wrote: ↑Fri Mar 06, 2020 2:14 amAsk them?

Tried to do so, was on a messaging queue with 25 ahead, gave up and went to dinner.

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