Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 01-29-2016, 08:20 PM   #1441
Thinks s/he gets paid by the post
Dash man's Avatar
 
Join Date: Mar 2013
Location: Limerick
Posts: 1,092
Quote:
Originally Posted by FI by 2024 View Post
It's a minor thing, but I hate when somebody is asked "how old are you?" and they answer with "I'll be xx years old at the end of the year." So does that mean you are "xx-1" right now? Or did you already have your birthday? Why are you making me do (admittedly simple) math instead of just answering the question? It's such a weird way to answer a simple question.


Sent from my iPhone using Early Retirement Forum

I think next time someone asks me how old I am I'll tell them I was born six years before Marilyn Monroe's death...just to irritate them.


Sent from my iPhone using Early Retirement Forum
__________________

__________________
Dash man is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 01-30-2016, 05:22 PM   #1442
Full time employment: Posting here.
jjquantz's Avatar
 
Join Date: Jan 2014
Location: Northern Virginia
Posts: 670
OK, transferred DW's IRA into her TSP account. Mutual Fund was liquidated in the IRA account at Fidelity on 12/29/15, money showed up in the TSP on 1/15/16. This morning I saw that Fidelity has credited 21 cents in interest to her IRA account for January. I hat e it when we get these tiny balances in an account when we are trying to close them. I guess we'll just make a 21 cent withdrawal when she turns 59 and 1/2.
__________________

__________________
jjquantz is offline   Reply With Quote
Old 01-30-2016, 06:46 PM   #1443
Thinks s/he gets paid by the post
 
Join Date: Mar 2010
Location: Kerrville,Tx
Posts: 1,937
Quote:
Originally Posted by jjquantz View Post
OK, transferred DW's IRA into her TSP account. Mutual Fund was liquidated in the IRA account at Fidelity on 12/29/15, money showed up in the TSP on 1/15/16. This morning I saw that Fidelity has credited 21 cents in interest to her IRA account for January. I hat e it when we get these tiny balances in an account when we are trying to close them. I guess we'll just make a 21 cent withdrawal when she turns 59 and 1/2.
Note that the IRS allows one to round to the nearest dollar in filling out forms so a 1099-r with .29 will show up as zero, and then the 10% penalty is 10% of zero.
__________________
meierlde is offline   Reply With Quote
Old 01-30-2016, 06:52 PM   #1444
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
 
Join Date: Nov 2010
Location: Vermont & Sarasota, FL
Posts: 13,451
Or worst case, pay the 2 cents.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
pb4uski is offline   Reply With Quote
Old 01-30-2016, 07:51 PM   #1445
Thinks s/he gets paid by the post
 
Join Date: Mar 2010
Location: Kerrville,Tx
Posts: 1,937
I just checked the Irs web site and just like for 1099-int forms if you get less than $10 there is no requirement to issue a 1099-r.
__________________
meierlde is offline   Reply With Quote
Old 01-30-2016, 08:13 PM   #1446
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Sep 2005
Location: Northern IL
Posts: 16,547
Quote:
Originally Posted by pb4uski View Post
Or worst case, pay the 2 cents.
Hey, it's the principle of the thing!

Quote:
Originally Posted by meierlde View Post
I just checked the Irs web site and just like for 1099-int forms if you get less than $10 there is no requirement to issue a 1099-r.
But as I understand it, you are still required to report it (but who does?).

Actually, I did report a < $10 INT/DIV amount, because it might be > $10 next year, and by entering it this year, my tax SW will retain all the contact info for that institution/account. Having the reminder, and not needing to re-enter that info was worth 15% of $4.50 for me at tax time. Yep, I'm getting pretty loose with my stash these days, I might lose my LBYM badge

But heck, I used 'lose' and 'loose' correctly in the same sentence! Not bad for a grammar challenged guy. But is that the correct 'principle'? Is my stand on an issue my 'pal'? I'll give myself 50-50 odds before consulting Google.

-ERD50
__________________
ERD50 is offline   Reply With Quote
Old 01-30-2016, 08:19 PM   #1447
Thinks s/he gets paid by the post
ls99's Avatar
 
Join Date: May 2008
Posts: 4,493
The word awesome.

Poking through craiglist there are a lot of awesome things for sale. The few I looked at was closer to junk status.
__________________
There must be moderation in everything, including moderation.
ls99 is offline   Reply With Quote
Old 01-30-2016, 08:43 PM   #1448
Moderator
Sarah in SC's Avatar
 
Join Date: Sep 2005
Location: Charleston, SC
Posts: 13,412
Dang! That's my favorite word! But I try only to employ it for things that are actually awesome, and not just for junk on Craigslist.
__________________
“One day your life will flash before your eyes. Make sure it's worth watching.”
Gerard Arthur Way

Sarah in SC is offline   Reply With Quote
Old 01-30-2016, 08:51 PM   #1449
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
NW-Bound's Avatar
 
Join Date: Jul 2008
Posts: 16,562
Quote:
Originally Posted by FI by 2024 View Post
It's a minor thing, but I hate when somebody is asked "how old are you?" and they answer with "I'll be xx years old at the end of the year." So does that mean you are "xx-1" right now? Or did you already have your birthday? Why are you making me do (admittedly simple) math instead of just answering the question? It's such a weird way to answer a simple question.
I think I will answer future questions about my age this way.

"I will be 70 when I claim SS".
__________________
"Old age is the most unexpected of all things that can happen to a man" -- Leo Tolstoy
NW-Bound is offline   Reply With Quote
Old 01-30-2016, 10:36 PM   #1450
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
 
Join Date: Nov 2010
Location: Vermont & Sarasota, FL
Posts: 13,451
Quote:
Originally Posted by ls99 View Post
The word awesome.

Poking through craiglist there are a lot of awesome things for sale. The few I looked at was closer to junk status.
While know there is a 99 cent store post at the dollar store there is a cleaning produce called Awesome! which actually does work awesome. Just be careful.... it'll take off paint if you leave it sit for too long.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
pb4uski is offline   Reply With Quote
What is your pet peeve of the day?
Old 02-01-2016, 11:13 AM   #1451
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
HFWR's Avatar
 
Join Date: May 2005
Location: Lawn chair in Texas
Posts: 12,592
What is your pet peeve of the day?

Downloaded the MapMyRide app. Full of ads and other intrusive crap, some of which would likely disappear if I "upgrade", i.e. "pay"...

Plus, like many apps, if I give it access to my passwords for Facebook, Twitter, Instagram, etc., it will post across multiple platforms. Sorry, don't/won't do that...

So, sticking with my el-cheapo Bell bike computer. Also have a gps app that does the same thing, without all the hassles, but if I should crash, I'd prefer to damage my $25 bike computer, and not my $800 iPhone...
__________________
Have Funds, Will Retire

...not doing anything of true substance...
HFWR is offline   Reply With Quote
Old 02-01-2016, 03:54 PM   #1452
Thinks s/he gets paid by the post
ls99's Avatar
 
Join Date: May 2008
Posts: 4,493
Quote:
Originally Posted by pb4uski View Post
While know there is a 99 cent store post at the dollar store there is a cleaning produce called Awesome! which actually does work awesome. Just be careful.... it'll take off paint if you leave it sit for too long.
Thanks I did not know about that. OTOH classic coke will do as well.
__________________
There must be moderation in everything, including moderation.
ls99 is offline   Reply With Quote
Old 02-01-2016, 04:02 PM   #1453
Thinks s/he gets paid by the post
ls99's Avatar
 
Join Date: May 2008
Posts: 4,493
The intrnet of things.

Seems more and more stuff has sensors, microphones and other "features that talk to the internet. More ways to get "listened to"

Google chorome processes voice commands on line, not in the pc. Can you hear me now?
__________________
There must be moderation in everything, including moderation.
ls99 is offline   Reply With Quote
Old 02-01-2016, 07:32 PM   #1454
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
 
Join Date: Nov 2010
Location: Vermont & Sarasota, FL
Posts: 13,451
I was reading the Jan/Feb 2016 issue of Money and they have a letter from someone referring to a previous Money article that said that a retired couple would need $245k saved to cover health care costs in retirement and this guy suggests that it is really more like $350k assuming a 30% federal and state income tax rate. While the math is right it is hugely misleading.

How many retirees pay 30%? Very few and those who do have enough income tht they probably don't need to worry about health care costs. Even an affluent retired couple with $50k of SS, $10k of qualified dividends and $40k of 401k/IRA withdrawals would only pay 6.8% in tax on $100k of income... or 17.1% on the $40k of 401k/IRA withdrawals.

I'm disappointed that Money doesn't use better judgement in deciding what letters to publish.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
pb4uski is offline   Reply With Quote
Old 02-01-2016, 09:43 PM   #1455
Thinks s/he gets paid by the post
John Galt III's Avatar
 
Join Date: Oct 2008
Posts: 1,057
Voice to text translators that result in sentences like *Aye went too the store two bye a pear of shoos*. Usually there is a word or two completely missing also.
__________________
John Galt III is online now   Reply With Quote
Old 02-02-2016, 09:10 AM   #1456
Thinks s/he gets paid by the post
Amethyst's Avatar
 
Join Date: Dec 2008
Posts: 4,631
The sound of someone biting into, then chewing and slurping, an apple.

And no, I don't have misophonia; most people-noises don't bother me. Apple-chomping is simply an obnoxious sound.
__________________
If you understood everything I say, you'd be me ~ Miles Davis
'There is only one success – to be able to spend your life in your own way.’ Christopher Morley.
Amethyst is offline   Reply With Quote
Old 02-02-2016, 09:16 AM   #1457
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
 
Join Date: Nov 2010
Location: Vermont & Sarasota, FL
Posts: 13,451
Pet peeve of the day is T+3 for brokerage ETF transactions... when is the industry going to get into the 21st century? With today's technology ETFs should settle right away the same as funds... especially since my money is sitting in my account ready to go.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
pb4uski is offline   Reply With Quote
Old 02-02-2016, 09:51 AM   #1458
Thinks s/he gets paid by the post
John Galt III's Avatar
 
Join Date: Oct 2008
Posts: 1,057
Very unforgiving of me I know, but I loathe certain eating styles, as in loud chewing, self-satisfied smacking sounds, and then the ever-present *lean back, open wide and pick the teeth orgasmically with a toothpick*, all done in a self-absorbed sphere of bliss, and as if there is nothing rude about it. Don't hate me, it's just a peeve. Embrace diversity. Edit to add: someone biting into an apple loudly doesn't bother me, for some reason.
__________________
John Galt III is online now   Reply With Quote
Old 02-02-2016, 09:52 AM   #1459
Thinks s/he gets paid by the post
ls99's Avatar
 
Join Date: May 2008
Posts: 4,493
Quote:
Originally Posted by pb4uski View Post
Pet peeve of the day is T+3 for brokerage ETF transactions... when is the industry going to get into the 21st century? With today's technology ETFs should settle right away the same as funds... especially since my money is sitting in my account ready to go.
Every institution loves the float. Just another way of making money.
__________________
There must be moderation in everything, including moderation.
ls99 is offline   Reply With Quote
Old 02-02-2016, 10:47 AM   #1460
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: May 2005
Posts: 11,549
Quote:
Originally Posted by pb4uski View Post
Pet peeve of the day is T+3 for brokerage ETF transactions... when is the industry going to get into the 21st century? With today's technology ETFs should settle right away the same as funds... especially since my money is sitting in my account ready to go.
pb4... I think that you know how this works...

Just like stocks, there are failed trades... brokers keep their own book of holders and only 'settle' when there is a trade that is not internal... it is these trades that can have a problem...


Now, for most retail customers that just by a few thousand dollars, the broker probably could settle as I doubt there are going to fail a trade with small dollars.... however, I have no idea what they do... this is just a big guess on my part...
__________________

__________________
Texas Proud is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Is your pet a heat seeker? CuppaJoe Other topics 50 09-15-2015 12:24 AM
I've got a new pet peeve-limit $75 on credit card at gas station Tom52 Other topics 19 03-21-2012 02:48 PM
Advise on a Pep Peeve I have. My Dream Other topics 58 07-20-2010 03:24 PM
Piling food on your pet (or whatever) Nords Other topics 15 06-11-2005 08:32 PM

 

 
All times are GMT -6. The time now is 07:28 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2016, vBulletin Solutions, Inc.