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  1. M

    Need a free spreadsheet program

    I generally only use a spreadsheet a couple time a year. One at tax time for a data sheet for my accountant, and secondly to keep track of my bank accounts, with my account numbers, cd and money market amounts, interest rates, maturity dates and their contact information. I hate the thought of...
  2. M

    A pick up on living on $30,000 a year.

    We have had many posts on this subject, and it all comes down to where you live and do you have a paid off house. We all discuss mortgages/rent, & RE taxes as being the big culprit and kind of assume that all other costs must be somewhat similar. But I wonder how varied they can be. As an...
  3. M

    Wellington in a tax advantaged account or taxable acct?

    Was wondering where most of you who own Wellington hold the fund. Is it in your Roth or 401K or do you hold it in a regular taxable account.
  4. M

    Cost Basis on Vanguard Acts.

    Can any of you explain what "cost basis" you chose to use. On Vanguard Act., your choices are Average cost First In First Out Specific ID Which do you prefer and why?
  5. M

    Instant Pot IP-DUO60 7-in1 Pressure Cooker

    I was on the fence about purchasing the above item when I saw it on sale at Amazon yesterday for 79.99. Buy the time I got around (was distracted) to clicking on the Buy link, it had jumped back up to $134.99. (not happy) Walmart had the same unit advertised for $99.99. I put it in my...
  6. M

    Anybody buying?

    Haven't heard peep on the subject, so I was wondering the current mood and whether it signaled a buying opportunity for some, or if others feel we have further to go. Evaluations even with the recent drop are high according to number crunchers, which includes both stocks and bonds. Of course...
  7. M

    International Stock Index %

    I thought doing a search would pull up some posts on this, but didn't seem to find any devoted to this subject. With all that is going down in China and Europe now, it becomes difficult to want to allocate very much to this segment.(but I know things ultimately change) In doing some research...
  8. M

    Rebalancing made easier with funds

    I was looking for a spreadsheet or tool so I could teach my son to re-balance his (new portfolio to be) for when I am no longer here to help him. It occurred to me that funds as opposed to ETF's make re-balancing somewhat easier, as with funds you can select a $ amount to sell or buy when you...
  9. M

    Fund analyzing tool

    Is there a web site or software that can be purchased to run numbers for indexes that you input to analyze outcomes during certain periods for different indexes or rather group of indexes you input. I know I can go on certain web sites like Yahoo and look at one index at a time and go back in...
  10. M

    What index and at what price would you buy?

    If you got a sudden unexpected inheritance of a few hundred thousand, what would you be looking at now and considering as approaching good buy opportunities. Energy has taken a big tumble this year, but with concerns naturally. Emerging Markets keep coming down, but with China's slow down, it...
  11. M

    Vanguard ETF's or Mutual Funds

    I am curious which of the two you seem to favor, and why. I realize that when you purchase Admiral shares of a mutual fund, your expense ratio is dropped to that of the ETF. One question while on that subject. If you didn't want to buy in at $10,000 initially and wanted to wait it out a bit...
  12. M

    Supreme Court to hear arguments tomorrow on ACA Subsidy

    Tomorrow the Supreme Court will begin hearing arguments about the legality of subsidies being offered to individuals who have had to purchase their insurance via the government exchange website. A ruling is not expected until June. I'm wondering if some members here are delaying their early...
  13. M

    Keurig coffee flavors and brands

    I got a Keurig coffee pot for Christmas. I purchased a box with 4 different assorted flavors and brand name cups at Costco which I am trying out now. None would be on my best taste list. I realize too that we all have different taste buds and preference for coffee. I do not favor a dark...
  14. M

    Last Tango in Halifax

    How many of you have been watching Last Tango in Halifax on PBS on Sunday nights? Season 2 just finished this past Sunday, and I have to say I think this is the best show ever put on PBS. Even better than Doc Martin, which I never thought I would say. Such good writing and wonderful...
  15. M

    New cell phone dilemma.

    I am on the fence about a new cell phone. First, let me explain that I am not very familiar with smartphones. I have had mostly dumb phones for making calls. But sometimes, I sure would like to have Data available, and not just a couple of hundred gig. Enter Walmart $30 data plan (5 gig. of...
  16. M

    Less expensive 46" - 50" HDTV

    I am reluctantly forced to have to purchase a HDTV for my living room in a house I own in Florida. It is a small place where I used to live, but have moved to another state and decided to keep for a few years in hope of market improving. While vacant, house was broken into and among other...
  17. M

    Identity Theft Liability

    I just got off the phone with my bank today which is a large regional east coast bank. After I got done with my issue, I got a pitch from the girl, stating because of the type of account I had, I was entitled to $25,000 Identity Theft Protection. I questioned her about it, asking her what do...
  18. M

    The Good Wife <Spoiler Alert>

    For those of you who watch "The Good Wife" on Sunday nights, last Sundays show was a real shocker. The leading man in the series (Wii, played by Josh Charles) was killed. It was so unexpected and for fans of the show quite emotional. It's something you don't usually see. I couldn't believe...
  19. M

    Motel'Hotel on line booking

    I need to book a motel/hotel in Bakersfield, Ca. for a week and was wondering if there were any particular on line sites that were better for trying to get a discounted rate. I have never used one so was wondering if any of you have any experience with this?
  20. M

    Do women initiate divorce more than men?

    I don't know the statistics on this, but it seems to me that men are better at marriage then women (and I am a woman). What I mean by this is, when there is trouble in a marriage, a man seems to be more willing to stick it out than a woman is. And if it does end, I think men have a harder time...
  21. M

    Calculating for MAGI

    Michael posted a link earlier for what was included and not included in establishing your MAGI for ACA purposes. I can not find that link now (I thought I had it bookmarked) As I recall, it did not go into deductions so much in any detail. What I am wondering is, if you have a capital loss on...
  22. M

    Cost Sharing Question

    I understand that if you are below the 200% income threshold the ACA has set up that if you purchase a silver plan they will lower your Max OOP cast by a certain %. However just beneath that (I am referring the the ACA publication that Michael has linked to before), it talks about another cost...
  23. M

    When Do doctor co-pays on come in to play

    Not ever having a deductible before, I am new at this. I thought when a policy lists a co-pay such as $40 for your GP or $100 for Specialist, or $60 for Urgent care, $300 MRI costs, drug costs etc. that the co-pay or these set amounts listed for scans, prescriptions etc. only came into play...
  24. M

    Obama's decision today to extend policies

    into 2014 - allowing people to keep their insurance policies that they had after the enactment of the ACA law. (this year's policy) He looks very tired and worn down in his speech today, so I feel he is getting pretty beat up by members of Congress who are getting blasted by the unhappy side of...
  25. M

    An actual reporting

    There is so much political bias enveloped in the new ACA plan, by, individuals talking on these forums, to newspaper articles, blogs, TV, it is very difficult to ascertain real numbers. I would really like to see a sampling from the members on this board, as to what the $ difference in their...
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