Re: Well this is interesting...
Think the wife will believe that story? Jack --- On Fri, 4/15/11, Mark Roberts wrote: > From: Mark Roberts > Subject: Well this is interesting... > To: "Pentax-Discuss Mail List" > Date: Friday, April 15, 2011, 1:02 PM > Noticed that my income tax refund had > appeared on my bank statement > today. And it was several hundred dollars *more* than I'd > asked for. > Seems I made a mistake in the government's favor and they > caught it > and corrected it. I suspect some enablement may result... > > -- > Mark Roberts - Photography & Multimedia > www.robertstech.com > > > > > > -- > PDML Pentax-Discuss Mail List > PDML@pdml.net > http://pdml.net/mailman/listinfo/pdml_pdml.net > to UNSUBSCRIBE from the PDML, please visit the link > directly above and follow the directions. > -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
I had no money withheld from my two pensions and Social Security. For 2009 I sent them $42. A few days later I received a IRS check for $42… No explanation accompanied it. This year, I owed them $3.00. I also checked the box stating I never received my $250 "enablement" from the Pres. Less than a week later, $247 appeared in my checking account. I was pleased. I've noticed for the last five years or so the new computers the IRS must have gotten have immensely speeded up the process of paying taxes. I'm happy for you Mark. Anything of mine you may want to trade dollars for? Just ask! On Apr 15, 2011, at 13:02 , Mark Roberts wrote: > Noticed that my income tax refund had appeared on my bank statement > today. And it was several hundred dollars *more* than I'd asked for. > Seems I made a mistake in the government's favor and they caught it > and corrected it. I suspect some enablement may result... > > -- > Mark Roberts - Photography & Multimedia > www.robertstech.com Joseph McAllister Lots of gear, not much time http://gallery.me.com/jomac -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
RE: Well this is interesting...
From: Mark Roberts Noticed that my income tax refund had appeared on my bank statement today. And it was several hundred dollars *more* than I'd asked for. Seems I made a mistake in the government's favor and they caught it and corrected it. I suspect some enablement may result... Since I will be having to *PAY* a LOT this year, I will be consigning my returns to the USPS in time for them to be postmarked prior to the midnight, Monday, April 18th deadline. -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
On Fri, Apr 15, 2011 at 4:02 PM, Mark Roberts wrote: > Noticed that my income tax refund had appeared on my bank statement > today. And it was several hundred dollars *more* than I'd asked for. > Seems I made a mistake in the government's favor and they caught it > and corrected it. I suspect some enablement may result... i pay every year, part of the enablement fund goes to our gov, dave > > -- > Mark Roberts - Photography & Multimedia > www.robertstech.com > > > > > > -- > PDML Pentax-Discuss Mail List > PDML@pdml.net > http://pdml.net/mailman/listinfo/pdml_pdml.net > to UNSUBSCRIBE from the PDML, please visit the link directly above and follow > the directions. > -- Documenting Life in Rural Ontario. www.caughtinmotion.com http://brooksinthecountry.blogspot.com/ York Region, Ontario, Canada -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
On 16/04/2011 7:01 AM, David J Brooks wrote: i pay every year, part of the enablement fund goes to our gov, Don't think of it as part of your enablement fund leaving, think of it as sharing in your good fortune to allow the government to have it's own enablement fund. -- William Robb -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
On Sat, Apr 16, 2011 at 11:49 AM, William Robb wrote: > On 16/04/2011 7:01 AM, David J Brooks wrote: > >> i pay every year, part of the enablement >> >> fund goes to our gov, > > Don't think of it as part of your enablement fund leaving, think of it as > sharing in your good fortune to allow the government to have it's own > enablement fund. Ya, but they always buy the cheaper third party MF stuff. Dave > > -- > > William Robb > > -- > PDML Pentax-Discuss Mail List > PDML@pdml.net > http://pdml.net/mailman/listinfo/pdml_pdml.net > to UNSUBSCRIBE from the PDML, please visit the link directly above and > follow the directions. > -- Documenting Life in Rural Ontario. www.caughtinmotion.com http://brooksinthecountry.blogspot.com/ York Region, Ontario, Canada -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
The cost of the tax preparer this year outstripped what I owed in taxes by almost 10:1. Grr. If it had been more reasonable, I would likely have used the money to buy a plane ticket somewhere ... Oh well. That will have to wait a little. On Fri, Apr 15, 2011 at 1:02 PM, Mark Roberts wrote: > Noticed that my income tax refund had appeared on my bank statement > today. And it was several hundred dollars *more* than I'd asked for. > Seems I made a mistake in the government's favor and they caught it > and corrected it. I suspect some enablement may result... -- Godfrey godfreydigiorgi.posterous.com -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
Turbo Tax Home and Business On Apr 16, 2011, at 2:51 PM, Godfrey DiGiorgi wrote: > The cost of the tax preparer this year outstripped what I owed in > taxes by almost 10:1. Grr. > If it had been more reasonable, I would likely have used the money to > buy a plane ticket somewhere ... Oh well. That will have to wait a > little. > > On Fri, Apr 15, 2011 at 1:02 PM, Mark Roberts wrote: >> Noticed that my income tax refund had appeared on my bank statement >> today. And it was several hundred dollars *more* than I'd asked for. >> Seems I made a mistake in the government's favor and they caught it >> and corrected it. I suspect some enablement may result... > > -- > Godfrey > godfreydigiorgi.posterous.com > > -- > PDML Pentax-Discuss Mail List > PDML@pdml.net > http://pdml.net/mailman/listinfo/pdml_pdml.net > to UNSUBSCRIBE from the PDML, please visit the link directly above and follow > the directions. -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
Yup - been using TurboTax for close to 20 years. Happy with the results and it's sure cheaper than paying a preparer. -p On 4/16/2011 2:53 PM, Paul Stenquist wrote: Turbo Tax Home and Business On Apr 16, 2011, at 2:51 PM, Godfrey DiGiorgi wrote: The cost of the tax preparer this year outstripped what I owed in taxes by almost 10:1. Grr. If it had been more reasonable, I would likely have used the money to buy a plane ticket somewhere ... Oh well. That will have to wait a little. On Fri, Apr 15, 2011 at 1:02 PM, Mark Roberts wrote: Noticed that my income tax refund had appeared on my bank statement today. And it was several hundred dollars *more* than I'd asked for. Seems I made a mistake in the government's favor and they caught it and corrected it. I suspect some enablement may result... -- Godfrey godfreydigiorgi.posterous.com -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions. -- Being old doesn't seem so old now that I'm old. -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
I've done the same for many years, but I closed two businesses last year and the complexity of the filing instructions got to me. Making a mistake would cost me a lot more than having a preparer do the job, and/or support me if I needed help during editing and with resultant penalties. I don't enjoying paying the bill for a preparer, but there are times when it is the right thing to do. On Sat, Apr 16, 2011 at 2:15 PM, Paul Sorenson wrote: > Yup - been using TurboTax for close to 20 years. Happy with the results and > it's sure cheaper than paying a preparer. > > -p > > On 4/16/2011 2:53 PM, Paul Stenquist wrote: >> >> Turbo Tax Home and Business >> >> On Apr 16, 2011, at 2:51 PM, Godfrey DiGiorgi wrote: >> >>> The cost of the tax preparer this year outstripped what I owed in >>> taxes by almost 10:1. Grr. >>> If it had been more reasonable, I would likely have used the money to >>> buy a plane ticket somewhere ... Oh well. That will have to wait a >>> little. >>> >>> On Fri, Apr 15, 2011 at 1:02 PM, Mark Roberts >>> wrote: Noticed that my income tax refund had appeared on my bank statement today. And it was several hundred dollars *more* than I'd asked for. Seems I made a mistake in the government's favor and they caught it and corrected it. I suspect some enablement may result... >>> >>> -- >>> Godfrey >>> godfreydigiorgi.posterous.com >>> >>> -- >>> PDML Pentax-Discuss Mail List >>> PDML@pdml.net >>> http://pdml.net/mailman/listinfo/pdml_pdml.net >>> to UNSUBSCRIBE from the PDML, please visit the link directly above and >>> follow the directions. >> > > > -- > Being old doesn't seem so old now that I'm old. > > > -- > PDML Pentax-Discuss Mail List > PDML@pdml.net > http://pdml.net/mailman/listinfo/pdml_pdml.net > to UNSUBSCRIBE from the PDML, please visit the link directly above and > follow the directions. > -- Godfrey godfreydigiorgi.posterous.com -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
My wife the accountant decided that this year it was worth paying a professional Tax preparer, rather than using TurboTax again; this year filing was a whole lot more complicated than last year. I don't argue with her when it comes to decisions like that. I'm pretty sure the fees we were charged were somewhat less than the savings from a couple of allowances we weren't claiming before. The fees were certainly less than 10x the tax bill we ended up with; we try not to make loans to the government, so we generally have to send off a four-figure sum with the return (we aim for as large an amount due as possible without the risk of incurring penalties). Rather than let the government take it off our payroll checks, my wife will stick the funds in a short-term investment account. On Sat, Apr 16, 2011 at 04:15:49PM -0500, Paul Sorenson wrote: > Yup - been using TurboTax for close to 20 years. Happy with the > results and it's sure cheaper than paying a preparer. > > -p > > On 4/16/2011 2:53 PM, Paul Stenquist wrote: > >Turbo Tax Home and Business > > > >On Apr 16, 2011, at 2:51 PM, Godfrey DiGiorgi wrote: > > > >>The cost of the tax preparer this year outstripped what I owed in > >>taxes by almost 10:1. Grr. > >>If it had been more reasonable, I would likely have used the money to > >>buy a plane ticket somewhere ... Oh well. That will have to wait a > >>little. > >> > >>On Fri, Apr 15, 2011 at 1:02 PM, Mark Roberts wrote: > >>>Noticed that my income tax refund had appeared on my bank statement > >>>today. And it was several hundred dollars *more* than I'd asked for. > >>>Seems I made a mistake in the government's favor and they caught it > >>>and corrected it. I suspect some enablement may result... > >>-- > >>Godfrey > >> godfreydigiorgi.posterous.com > >> > >>-- > >>PDML Pentax-Discuss Mail List > >>PDML@pdml.net > >>http://pdml.net/mailman/listinfo/pdml_pdml.net > >>to UNSUBSCRIBE from the PDML, please visit the link directly above and > >>follow the directions. > > > > > -- > Being old doesn't seem so old now that I'm old. > > > -- > PDML Pentax-Discuss Mail List > PDML@pdml.net > http://pdml.net/mailman/listinfo/pdml_pdml.net > to UNSUBSCRIBE from the PDML, please visit the link directly above and follow > the directions. -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
Not much interest on those accounts these days. You may need to re-think that strategy... Regards, Bob S. On Sat, Apr 16, 2011 at 6:33 PM, John Francis wrote: > > My wife the accountant decided that this year it was worth paying > a professional Tax preparer, rather than using TurboTax again; > this year filing was a whole lot more complicated than last year. > I don't argue with her when it comes to decisions like that. > > I'm pretty sure the fees we were charged were somewhat less than > the savings from a couple of allowances we weren't claiming before. > The fees were certainly less than 10x the tax bill we ended up with; > we try not to make loans to the government, so we generally have to > send off a four-figure sum with the return (we aim for as large an > amount due as possible without the risk of incurring penalties). > Rather than let the government take it off our payroll checks, > my wife will stick the funds in a short-term investment account. > > > On Sat, Apr 16, 2011 at 04:15:49PM -0500, Paul Sorenson wrote: >> Yup - been using TurboTax for close to 20 years. Happy with the >> results and it's sure cheaper than paying a preparer. >> >> -p >> >> On 4/16/2011 2:53 PM, Paul Stenquist wrote: >> >Turbo Tax Home and Business >> > >> >On Apr 16, 2011, at 2:51 PM, Godfrey DiGiorgi wrote: >> > >> >>The cost of the tax preparer this year outstripped what I owed in >> >>taxes by almost 10:1. Grr. >> >>If it had been more reasonable, I would likely have used the money to >> >>buy a plane ticket somewhere ... Oh well. That will have to wait a >> >>little. >> >> >> >>On Fri, Apr 15, 2011 at 1:02 PM, Mark Roberts wrote: >> >>>Noticed that my income tax refund had appeared on my bank statement >> >>>today. And it was several hundred dollars *more* than I'd asked for. >> >>>Seems I made a mistake in the government's favor and they caught it >> >>>and corrected it. I suspect some enablement may result... >> >>-- >> >>Godfrey >> >> godfreydigiorgi.posterous.com >> >> >> >>-- >> >>PDML Pentax-Discuss Mail List >> >>PDML@pdml.net >> >>http://pdml.net/mailman/listinfo/pdml_pdml.net >> >>to UNSUBSCRIBE from the PDML, please visit the link directly above and >> >>follow the directions. >> > >> >> >> -- >> Being old doesn't seem so old now that I'm old. >> >> >> -- >> PDML Pentax-Discuss Mail List >> PDML@pdml.net >> http://pdml.net/mailman/listinfo/pdml_pdml.net >> to UNSUBSCRIBE from the PDML, please visit the link directly above and >> follow the directions. > > -- > PDML Pentax-Discuss Mail List > PDML@pdml.net > http://pdml.net/mailman/listinfo/pdml_pdml.net > to UNSUBSCRIBE from the PDML, please visit the link directly above and follow > the directions. > -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
I was using that as a generic term. In fact she can play games moving virtual cash between different investment accounts, so the end result is a higher balance in our longer-term, higher- interest accounts. Like I said - she's the professional here. In any case, just about any strategy beats letting the feds have the use of the money for any longer that necessary. On Sat, Apr 16, 2011 at 10:40:03PM -0500, Bob Sullivan wrote: > Not much interest on those accounts these days. > You may need to re-think that strategy... > Regards, Bob S. > > On Sat, Apr 16, 2011 at 6:33 PM, John Francis wrote: > > > > My wife the accountant decided that this year it was worth paying > > a professional Tax preparer, rather than using TurboTax again; > > this year filing was a whole lot more complicated than last year. > > I don't argue with her when it comes to decisions like that. > > > > I'm pretty sure the fees we were charged were somewhat less than > > the savings from a couple of allowances we weren't claiming before. > > The fees were certainly less than 10x the tax bill we ended up with; > > we try not to make loans to the government, so we generally have to > > send off a four-figure sum with the return (we aim for as large an > > amount due as possible without the risk of incurring penalties). > > Rather than let the government take it off our payroll checks, > > my wife will stick the funds in a short-term investment account. > > > > > > On Sat, Apr 16, 2011 at 04:15:49PM -0500, Paul Sorenson wrote: > >> Yup - been using TurboTax for close to 20 years. ?Happy with the > >> results and it's sure cheaper than paying a preparer. > >> > >> -p > >> > >> On 4/16/2011 2:53 PM, Paul Stenquist wrote: > >> >Turbo Tax Home and Business > >> > > >> >On Apr 16, 2011, at 2:51 PM, Godfrey DiGiorgi wrote: > >> > > >> >>The cost of the ?tax preparer this year outstripped what I owed in > >> >>taxes by almost 10:1. Grr. > >> >>If it had been more reasonable, I would likely have used the money to > >> >>buy a plane ticket somewhere ... Oh well. That will have to wait a > >> >>little. > >> >> > >> >>On Fri, Apr 15, 2011 at 1:02 PM, Mark Roberts > >> >>?wrote: > >> >>>Noticed that my income tax refund had appeared on my bank statement > >> >>>today. And it was several hundred dollars *more* than I'd asked for. > >> >>>Seems I made a mistake in the government's favor and they caught it > >> >>>and corrected it. I suspect some enablement may result... > >> >>-- > >> >>Godfrey > >> >> ? godfreydigiorgi.posterous.com > >> >> > >> >>-- > >> >>PDML Pentax-Discuss Mail List > >> >>PDML@pdml.net > >> >>http://pdml.net/mailman/listinfo/pdml_pdml.net > >> >>to UNSUBSCRIBE from the PDML, please visit the link directly above and > >> >>follow the directions. > >> > > >> > >> > >> -- > >> Being old doesn't seem so old now that I'm old. > >> > >> > >> -- > >> PDML Pentax-Discuss Mail List > >> PDML@pdml.net > >> http://pdml.net/mailman/listinfo/pdml_pdml.net > >> to UNSUBSCRIBE from the PDML, please visit the link directly above and > >> follow the directions. > > > > -- > > PDML Pentax-Discuss Mail List > > PDML@pdml.net > > http://pdml.net/mailman/listinfo/pdml_pdml.net > > to UNSUBSCRIBE from the PDML, please visit the link directly above and > > follow the directions. > > > > -- > PDML Pentax-Discuss Mail List > PDML@pdml.net > http://pdml.net/mailman/listinfo/pdml_pdml.net > to UNSUBSCRIBE from the PDML, please visit the link directly above and follow > the directions. -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
John, 0.25% on $100,000 is $250 for a full year. A partial year is less. I stopped worrying about squeezing the last $1,000 out of the checking account so I could earn more interest in the longer term accounts. Just not worth it. Regards, Bob S. On Sat, Apr 16, 2011 at 11:02 PM, John Francis wrote: > > I was using that as a generic term. In fact she can play games > moving virtual cash between different investment accounts, so > the end result is a higher balance in our longer-term, higher- > interest accounts. Like I said - she's the professional here. > > In any case, just about any strategy beats letting the feds > have the use of the money for any longer that necessary. > > > On Sat, Apr 16, 2011 at 10:40:03PM -0500, Bob Sullivan wrote: >> Not much interest on those accounts these days. >> You may need to re-think that strategy... >> Regards, Bob S. >> >> On Sat, Apr 16, 2011 at 6:33 PM, John Francis wrote: >> > >> > My wife the accountant decided that this year it was worth paying >> > a professional Tax preparer, rather than using TurboTax again; >> > this year filing was a whole lot more complicated than last year. >> > I don't argue with her when it comes to decisions like that. >> > >> > I'm pretty sure the fees we were charged were somewhat less than >> > the savings from a couple of allowances we weren't claiming before. >> > The fees were certainly less than 10x the tax bill we ended up with; >> > we try not to make loans to the government, so we generally have to >> > send off a four-figure sum with the return (we aim for as large an >> > amount due as possible without the risk of incurring penalties). >> > Rather than let the government take it off our payroll checks, >> > my wife will stick the funds in a short-term investment account. >> > >> > >> > On Sat, Apr 16, 2011 at 04:15:49PM -0500, Paul Sorenson wrote: >> >> Yup - been using TurboTax for close to 20 years. ?Happy with the >> >> results and it's sure cheaper than paying a preparer. >> >> >> >> -p >> >> >> >> On 4/16/2011 2:53 PM, Paul Stenquist wrote: >> >> >Turbo Tax Home and Business >> >> > >> >> >On Apr 16, 2011, at 2:51 PM, Godfrey DiGiorgi wrote: >> >> > >> >> >>The cost of the ?tax preparer this year outstripped what I owed in >> >> >>taxes by almost 10:1. Grr. >> >> >>If it had been more reasonable, I would likely have used the money to >> >> >>buy a plane ticket somewhere ... Oh well. That will have to wait a >> >> >>little. >> >> >> >> >> >>On Fri, Apr 15, 2011 at 1:02 PM, Mark Roberts >> >> >>?wrote: >> >> >>>Noticed that my income tax refund had appeared on my bank statement >> >> >>>today. And it was several hundred dollars *more* than I'd asked for. >> >> >>>Seems I made a mistake in the government's favor and they caught it >> >> >>>and corrected it. I suspect some enablement may result... >> >> >>-- >> >> >>Godfrey >> >> >> ? godfreydigiorgi.posterous.com >> >> >> >> >> >>-- >> >> >>PDML Pentax-Discuss Mail List >> >> >>PDML@pdml.net >> >> >>http://pdml.net/mailman/listinfo/pdml_pdml.net >> >> >>to UNSUBSCRIBE from the PDML, please visit the link directly above and >> >> >>follow the directions. >> >> > >> >> >> >> >> >> -- >> >> Being old doesn't seem so old now that I'm old. >> >> >> >> >> >> -- >> >> PDML Pentax-Discuss Mail List >> >> PDML@pdml.net >> >> http://pdml.net/mailman/listinfo/pdml_pdml.net >> >> to UNSUBSCRIBE from the PDML, please visit the link directly above and >> >> follow the directions. >> > >> > -- >> > PDML Pentax-Discuss Mail List >> > PDML@pdml.net >> > http://pdml.net/mailman/listinfo/pdml_pdml.net >> > to UNSUBSCRIBE from the PDML, please visit the link directly above and >> > follow the directions. >> > >> >> -- >> PDML Pentax-Discuss Mail List >> PDML@pdml.net >> http://pdml.net/mailman/listinfo/pdml_pdml.net >> to UNSUBSCRIBE from the PDML, please visit the link directly above and >> follow the directions. > > -- > PDML Pentax-Discuss Mail List > PDML@pdml.net > http://pdml.net/mailman/listinfo/pdml_pdml.net > to UNSUBSCRIBE from the PDML, please visit the link directly above and follow > the directions. > -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
On Apr 16, 2011, at 9:18 PM, Bob Sullivan wrote: > John, > 0.25% on $100,000 is $250 for a full year. A partial year is less. > I stopped worrying about squeezing the last $1,000 out of the checking account > so I could earn more interest in the longer term accounts. Just not worth it. > Regards, Bob S. The way I see the division of labor is that John lets his wife handle all of the financial details, this frees him up to make the important decisions, such as which lenses to buy. -- Larry Colen l...@red4est.com sent from i4est -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
Larry, Weren't you married once upon a time? You know better than to float this kind of an idea! :-) Regards, Bob S. On Sat, Apr 16, 2011 at 11:23 PM, Larry Colen wrote: > > On Apr 16, 2011, at 9:18 PM, Bob Sullivan wrote: > >> John, >> 0.25% on $100,000 is $250 for a full year. A partial year is less. >> I stopped worrying about squeezing the last $1,000 out of the checking >> account >> so I could earn more interest in the longer term accounts. Just not worth >> it. >> Regards, Bob S. > > The way I see the division of labor is that John lets his wife handle all of > the financial details, this frees him up to make the important decisions, > such as which lenses to buy. > > > -- > Larry Colen l...@red4est.com sent from i4est > > > > > > -- > PDML Pentax-Discuss Mail List > PDML@pdml.net > http://pdml.net/mailman/listinfo/pdml_pdml.net > to UNSUBSCRIBE from the PDML, please visit the link directly above and follow > the directions. > -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
On Sat, Apr 16, 2011 at 09:23:18PM -0700, Larry Colen wrote: > > On Apr 16, 2011, at 9:18 PM, Bob Sullivan wrote: > > > John, > > 0.25% on $100,000 is $250 for a full year. A partial year is less. > > I stopped worrying about squeezing the last $1,000 out of the checking > > account > > so I could earn more interest in the longer term accounts. Just not worth > > it. > > Regards, Bob S. > > The way I see the division of labor is that John lets his wife handle all of > the financial details, this frees him up to make the important decisions, > such as which lenses to buy. > And bodies ... Mind you, it does mean she decides *when* to buy them. While we probably don't squeeze the last dollar out of the system, it certainly isn't difficult to get a whole lot more than 0.25% more than what you would get from lending the money to the government. And while that only means an average of $5 per $1000 for each percentage point, it can still add up to a measurable sum. Not enough for a K-5, but for the amount of time she actually spends doing it it's a decent return. -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
On Apr 16, 2011, at 9:31 PM, Bob Sullivan wrote: > Larry, > Weren't you married once upon a time? For over a year. > You know better than to float this kind of an idea! :-) The scary thing is that I was the fiscally responsible one. > -- Larry Colen l...@red4est.com sent from i4est -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
On Apr 17, 2011, at 12:38 AM, John Francis wrote: > On Sat, Apr 16, 2011 at 09:23:18PM -0700, Larry Colen wrote: >> >> On Apr 16, 2011, at 9:18 PM, Bob Sullivan wrote: >> >>> John, >>> 0.25% on $100,000 is $250 for a full year. A partial year is less. >>> I stopped worrying about squeezing the last $1,000 out of the checking >>> account >>> so I could earn more interest in the longer term accounts. Just not worth >>> it. >>> Regards, Bob S. >> >> The way I see the division of labor is that John lets his wife handle all of >> the financial details, this frees him up to make the important decisions, >> such as which lenses to buy. >> > > And bodies ... Mind you, it does mean she decides *when* to buy them. > > While we probably don't squeeze the last dollar out of the system, it > certainly isn't difficult to get a whole lot more than 0.25% more than > what you would get from lending the money to the government. And while > that only means an average of $5 per $1000 for each percentage point, > it can still add up to a measurable sum. Not enough for a K-5, but for > the amount of time she actually spends doing it it's a decent return. It's a good strategy. Like her, I send the government only enough to avoid penalties. Heck, from just December 31 to March 31 of this year, 100,000 invested in easily liquidated mutual funds earns close to $5000. Paul > > -- > PDML Pentax-Discuss Mail List > PDML@pdml.net > http://pdml.net/mailman/listinfo/pdml_pdml.net > to UNSUBSCRIBE from the PDML, please visit the link directly above and follow > the directions. -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
Paul, Paul, Paul! Mutual funds go up and mutual funds go down. :-( This money goes into FDIC insured Certificates of Deposit. The return is terrible, but at least the principal is still there. Regards, Bob S. On Sun, Apr 17, 2011 at 6:31 AM, Paul Stenquist wrote: > > On Apr 17, 2011, at 12:38 AM, John Francis wrote: > >> On Sat, Apr 16, 2011 at 09:23:18PM -0700, Larry Colen wrote: >>> >>> On Apr 16, 2011, at 9:18 PM, Bob Sullivan wrote: >>> John, 0.25% on $100,000 is $250 for a full year. A partial year is less. I stopped worrying about squeezing the last $1,000 out of the checking account so I could earn more interest in the longer term accounts. Just not worth it. Regards, Bob S. >>> >>> The way I see the division of labor is that John lets his wife handle all >>> of the financial details, this frees him up to make the important >>> decisions, such as which lenses to buy. >>> >> >> And bodies ... Mind you, it does mean she decides *when* to buy them. >> >> While we probably don't squeeze the last dollar out of the system, it >> certainly isn't difficult to get a whole lot more than 0.25% more than >> what you would get from lending the money to the government. And while >> that only means an average of $5 per $1000 for each percentage point, >> it can still add up to a measurable sum. Not enough for a K-5, but for >> the amount of time she actually spends doing it it's a decent return. > > It's a good strategy. Like her, I send the government only enough to avoid > penalties. Heck, from just December 31 to March 31 of this year, 100,000 > invested in easily liquidated mutual funds earns close to $5000. > Paul >> >> -- >> PDML Pentax-Discuss Mail List >> PDML@pdml.net >> http://pdml.net/mailman/listinfo/pdml_pdml.net >> to UNSUBSCRIBE from the PDML, please visit the link directly above and >> follow the directions. > > > -- > PDML Pentax-Discuss Mail List > PDML@pdml.net > http://pdml.net/mailman/listinfo/pdml_pdml.net > to UNSUBSCRIBE from the PDML, please visit the link directly above and follow > the directions. > -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
On Apr 17, 2011, at 7:46 AM, Bob Sullivan wrote: > Paul, Paul, Paul! > Mutual funds go up and mutual funds go down. :-( Yes, but it's not all that hard to predict when they'll go up. And balance can be achieved. There are money market funds and bond funds in addition to stock funds. CDs are paying less than 1% interest. Not much better than under the pillow. Paul > This money goes into FDIC insured Certificates of Deposit. > The return is terrible, but at least the principal is still there. > Regards, Bob S. > > On Sun, Apr 17, 2011 at 6:31 AM, Paul Stenquist > wrote: >> >> On Apr 17, 2011, at 12:38 AM, John Francis wrote: >> >>> On Sat, Apr 16, 2011 at 09:23:18PM -0700, Larry Colen wrote: On Apr 16, 2011, at 9:18 PM, Bob Sullivan wrote: > John, > 0.25% on $100,000 is $250 for a full year. A partial year is less. > I stopped worrying about squeezing the last $1,000 out of the checking > account > so I could earn more interest in the longer term accounts. Just not > worth it. > Regards, Bob S. The way I see the division of labor is that John lets his wife handle all of the financial details, this frees him up to make the important decisions, such as which lenses to buy. >>> >>> And bodies ... Mind you, it does mean she decides *when* to buy them. >>> >>> While we probably don't squeeze the last dollar out of the system, it >>> certainly isn't difficult to get a whole lot more than 0.25% more than >>> what you would get from lending the money to the government. And while >>> that only means an average of $5 per $1000 for each percentage point, >>> it can still add up to a measurable sum. Not enough for a K-5, but for >>> the amount of time she actually spends doing it it's a decent return. >> >> It's a good strategy. Like her, I send the government only enough to avoid >> penalties. Heck, from just December 31 to March 31 of this year, 100,000 >> invested in easily liquidated mutual funds earns close to $5000. >> Paul >>> >>> -- >>> PDML Pentax-Discuss Mail List >>> PDML@pdml.net >>> http://pdml.net/mailman/listinfo/pdml_pdml.net >>> to UNSUBSCRIBE from the PDML, please visit the link directly above and >>> follow the directions. >> >> >> -- >> PDML Pentax-Discuss Mail List >> PDML@pdml.net >> http://pdml.net/mailman/listinfo/pdml_pdml.net >> to UNSUBSCRIBE from the PDML, please visit the link directly above and >> follow the directions. >> > > -- > PDML Pentax-Discuss Mail List > PDML@pdml.net > http://pdml.net/mailman/listinfo/pdml_pdml.net > to UNSUBSCRIBE from the PDML, please visit the link directly above and follow > the directions. -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
On 17/04/2011 06:02, John Francis wrote: In any case, just about any strategy beats letting the feds have the use of the money for any longer that necessary. Governments; what have they ever done for us? -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
On Sun, Apr 17, 2011 at 04:57:13PM +0200, mike wilson wrote: > On 17/04/2011 06:02, John Francis wrote: > > >In any case, just about any strategy beats letting the feds > >have the use of the money for any longer that necessary. > > Governments; what have they ever done for us? Well, in my case, they paid for all my childhood healthcare, almost all of my education costs (including three years at a first-rate university), and provided a working infrastructure including a decent public transport system. -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
John, What a kill-joy you are. You're taking away a major source of whining for some of our public. Next thing you know, you'll be providing us irrefutable proof of where Obama was born, and that Sarah Palin is just a hand puppet manipulated by Carl Rove and Frank Oz. Regards, Bob S. :-) On Sun, Apr 17, 2011 at 2:10 PM, John Francis wrote: > On Sun, Apr 17, 2011 at 04:57:13PM +0200, mike wilson wrote: >> On 17/04/2011 06:02, John Francis wrote: >> >> >In any case, just about any strategy beats letting the feds >> >have the use of the money for any longer that necessary. >> >> Governments; what have they ever done for us? > > Well, in my case, they paid for all my childhood healthcare, > almost all of my education costs (including three years at > a first-rate university), and provided a working infrastructure > including a decent public transport system. > > > -- > PDML Pentax-Discuss Mail List > PDML@pdml.net > http://pdml.net/mailman/listinfo/pdml_pdml.net > to UNSUBSCRIBE from the PDML, please visit the link directly above and follow > the directions. > -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
You mean she wasn't? News to me. On Sun, Apr 17, 2011 at 12:24 PM, Bob Sullivan wrote: > ... > and that Sarah Palin is just a hand puppet manipulated by Carl Rove > and Frank Oz. > Regards, Bob S. :-) > > On Sun, Apr 17, 2011 at 2:10 PM, John Francis wrote: >> On Sun, Apr 17, 2011 at 04:57:13PM +0200, mike wilson wrote: >>> On 17/04/2011 06:02, John Francis wrote: >>> >>> >In any case, just about any strategy beats letting the feds >>> >have the use of the money for any longer that necessary. >>> >>> Governments; what have they ever done for us? >> >> Well, in my case, they paid for all my childhood healthcare, >> almost all of my education costs (including three years at >> a first-rate university), and provided a working infrastructure >> including a decent public transport system. >> >> >> -- >> PDML Pentax-Discuss Mail List >> PDML@pdml.net >> http://pdml.net/mailman/listinfo/pdml_pdml.net >> to UNSUBSCRIBE from the PDML, please visit the link directly above and >> follow the directions. >> > > -- > PDML Pentax-Discuss Mail List > PDML@pdml.net > http://pdml.net/mailman/listinfo/pdml_pdml.net > to UNSUBSCRIBE from the PDML, please visit the link directly above and follow > the directions. > -- Godfrey godfreydigiorgi.posterous.com -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
From: Bob Sullivan Paul, Paul, Paul! Mutual funds go up and mutual funds go down. :-( This money goes into FDIC insured Certificates of Deposit. The return is terrible, but at least the principal is still there. Regards, Bob S. Yeah, but there's an odd consistency to how they always went up just before I bought, and always go down just before I sell. - No virus found in this message. Checked by AVG - www.avg.com Version: 10.0.1209 / Virus Database: 1500/3580 - Release Date: 04/17/11 -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
Re: Well this is interesting...
From: mike wilson On 17/04/2011 06:02, John Francis wrote: > In any case, just about any strategy beats letting the feds > have the use of the money for any longer that necessary. Governments; what have they ever done for us? Right off the top of my head, Police, Fire, water & sewer and the GI Bill come to mind. I'm sure I could think of others. -- PDML Pentax-Discuss Mail List PDML@pdml.net http://pdml.net/mailman/listinfo/pdml_pdml.net to UNSUBSCRIBE from the PDML, please visit the link directly above and follow the directions.
