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stress management tips?

I guess I get a lot of stresses; nothing acute, but probably some long term of accumulations from work and concerns about personal health..

Any practical tips to share?
by AQ
Fri Mar 06, 2015 11:38 pm
 
Forum: Personal Consumer Issues
Topic: stress management tips?
Replies: 19
Views: 1666

Joint account for estate plan

A question about joint brokerage or mutual fund accounts (like Vanguard, Fidelity, etc.), and bank accounts for estate plans: If it's a joint account for husband and wife, should one die first, does the other automatically take the ownership of the entire account without any legal process like proba...
by AQ
Sun Feb 22, 2015 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Joint account for estate plan
Replies: 1
Views: 197

Re: Primecap

I hold this fund. Like the performance, but hate the distribution though. In particular this tax season
by AQ
Mon Feb 09, 2015 11:44 pm
 
Forum: Investing - Theory, News & General
Topic: Primecap: The Best Stock Pickers You've Never Seen
Replies: 32
Views: 2632

Re: First portfolio plan

Are you aware Fidelity says you can retire with only 8x your income in savings ? You seem to be doing quite well with 40x annual expenses! How many years of income does that translate too? You have more bond funds than I ever will. But your overall portfolio looks simpler than most, assuming each t...
by AQ
Mon Feb 09, 2015 11:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: First portfolio plan
Replies: 3
Views: 381

First portfolio plan

50 year old; the top fed / state (13%) rate (actually higher than that due to phaseout of deductible); portfolio size about 40 times of annual expenses; still working but increasingly want to call it quits. Much of it on taxable side. Plan: 50:50; but plan to follow 'age in bond' Stock: 40% total st...
by AQ
Sun Feb 08, 2015 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: First portfolio plan
Replies: 3
Views: 381

Total International Stock

Happy new year! The first order of business of the new year is to fund my IRA, and then rebalance. Found Total International Stock underperformed in 2014. A few questions about this fund: 1) Is this fund still one of the good choices to get exposures to International? The wiki page seems out of date...
by AQ
Thu Jan 01, 2015 2:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total International Stock
Replies: 17
Views: 2788

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2109.87
by AQ
Thu Jan 01, 2015 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 20394

Young adult finance

We have kept joint bank accounts, credit cards, etc. with our children. Now DD has income herself now. I wonder if we should stop this practice and let the young adult have everything under her own name? This question is for tax planning, liabilities, legal, etc. only. For example, joint accounts wo...
by AQ
Sat Dec 20, 2014 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young adult finance
Replies: 2
Views: 637

Re: What is a move-up car after mid-size sedan?

. Like I said earlier, what features do you want for an extra $10k? Actually I don't know but look for more and better features. Don't know since I've been cheap and never drive many nice cars to know :) But after this discussion, I know what we're looking for are features, not brands (to impress p...
by AQ
Sun Dec 14, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: What is a move-up car after mid-size sedan?
Replies: 63
Views: 4308

Re: What is a move-up car after mid-size sedan?

Thanks for all your comments. This is actually a question from a broader topic and let me explain it here anyway. Welcome your thoughts too. We have been frugal and saving just like a typical one on this forum.. We're lucky that now we're in a position to save probably more than enough even with ver...
by AQ
Sun Dec 14, 2014 3:22 am
 
Forum: Personal Consumer Issues
Topic: What is a move-up car after mid-size sedan?
Replies: 63
Views: 4308

What is a move-up car after mid-size sedan?

Up until now, we have driven mid-size sedans like Camry, Taurus, Sonata, etc.. We have been doing well, and DW would like to splurge a bit on our next new car (we usually change a car after 10 years). Any specific suggestions? We never spent more than 30K on a new car, so I would imagine a 40K budge...
by AQ
Sat Dec 13, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: What is a move-up car after mid-size sedan?
Replies: 63
Views: 4308

Personal finance book for young adults?

A college kid graduated and started working this year. Any recommendation on a personal finance book, not only about investment but also about 401K, credit card, and etc.? Thanks.
by AQ
Tue Sep 23, 2014 10:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Personal finance book for young adults?
Replies: 7
Views: 594

Re: Fidelity vs. Vanguard

Fidelity is probably the oft-cited competitor to Vanguard. Just curious which one could be the number 3 firm on this forum after these 2?
by AQ
Sat May 24, 2014 12:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity vs. Vanguard
Replies: 75
Views: 8851

Re: dividend check

This started looking absurd... After three full months, this seemingly simple glitch is still not fixed.. It's not a big deal to me but I would expect a major institution could do better. The flagship representative has been polite but not helpful, and still says no ETA.
by AQ
Tue Apr 01, 2014 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: dividend check
Replies: 8
Views: 1288

Re: Tax strategy: college tuituion credit

Thanks to all for the discussion. To recap: 1) in 2013, I (parent) paid the tuition for Sara(the kid in college under 24). 2) Sara made 10K in 2013. 3) If I don't claim Sara on my tax form as dependent (I could since I paid more than half of her expenses: does expense include tuition?), then Sara ca...
by AQ
Mon Mar 03, 2014 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax strategy: college tuituion credit
Replies: 13
Views: 865

Tax strategy: college tuituion credit

Seek advice about how to best position for the following scenario: Our household income is high enough that we are not eligible to take any credit like Hope for college tuition payments.. In the meantime, through TT, it seems whether claiming kids as dependent or not won't make any difference for ou...
by AQ
Sun Mar 02, 2014 11:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax strategy: college tuituion credit
Replies: 13
Views: 865

401K: why unvested?

I ran into a kind of strange issue: my wife had a 401K from her former company. After she left the company (more than 7 years ago), we found that part of her 401K balance is still unvested. We were never able to figure out why. It has only a few hundreds dollars so we kind of let it go.. Now I ran i...
by AQ
Fri Feb 28, 2014 11:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401K: why unvested?
Replies: 2
Views: 533

401K rollover: any reasons not to?

I have any 401K account with a previous employer. Recently I read an article saying if a company is gone, then it may take long time to sort out its liabilities through courts, including 401K. I guess I should get my acts and roll it over to an IRA. Any good reasons not to? just want to do a simple ...
by AQ
Mon Feb 24, 2014 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: 401K rollover: any reasons not to?
Replies: 3
Views: 284

Re: Postage paid envelops

Interesting discussions so far. Happy Holidays! I used online banking a lot including online bill pay, etc.. The only place I still rely on this snail mail is with Vanguard, where I do NOT want to link my Vanguard account with a checking account.. It's one thing to have a small error with a online b...
by AQ
Sat Feb 15, 2014 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Postage paid envelopes
Replies: 49
Views: 3406

Re: Postage paid envelops

So you guys use ACH nowadays? I'm always a bit paranoid about it, worrying if someone simply empty my life savings from vanguard without a trace...

Tell me again why this concern is unwarranted. Maybe I'll finally take the plunge and help reduce ER for everyone in the process :)
by AQ
Sat Feb 15, 2014 12:49 am
 
Forum: Personal Consumer Issues
Topic: Postage paid envelopes
Replies: 49
Views: 3406

Postage paid envelopes

I'm still old-fashioned, and snail mail a check to Vanguard to add investment..

Recently I asked for a few new postage paid envelopes. Today I got paid Fedex Extremely Urgent envelopes. Is this the perk for being a flagship account? :D
by AQ
Sat Feb 15, 2014 12:34 am
 
Forum: Personal Consumer Issues
Topic: Postage paid envelopes
Replies: 49
Views: 3406

Re: dividend check

The OP didn't say it was Vanguard, but I did the same thing with VG bond funds late last year and received 2 dividend checks. Everything appeared to be going to my Prime MM settlement fund per the website. I double-checked this after the 1st check arrived. After the 2nd, I called VG and was told it...
by AQ
Tue Feb 11, 2014 9:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: dividend check
Replies: 8
Views: 1288

dividend check

Near the year-end last year, I transferred into a bond fund for tax loss harvest.. For whatever reasons, I started to receive a monthly dividend check, even though I set up the account that dividends should all go to my money market account. I have a couple of other bond holdings and all worked as e...
by AQ
Tue Feb 11, 2014 1:09 am
 
Forum: Investing - Help with Personal Investments
Topic: dividend check
Replies: 8
Views: 1288

Re: unknown credit cards on my credit report

ajcp wrote:Why do you believe that account is this amex?


This is the only item for an amex..
by AQ
Thu Jan 16, 2014 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: unknown credit cards on my credit report
Replies: 21
Views: 2025

Re: unknown credit cards on my credit report

yes, but the account number on my statement is my card number, which does NOT match the number on credit report..
by AQ
Thu Jan 16, 2014 10:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: unknown credit cards on my credit report
Replies: 21
Views: 2025

Re: unknown credit cards on my credit report

I believe one of accounts seems my american express card. Is that the case that for Amex card, the account number is different from the card number? how can I be sure?
by AQ
Thu Jan 16, 2014 10:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: unknown credit cards on my credit report
Replies: 21
Views: 2025

unknown credit cards on my credit report

Just took a look at my credit report, motivated by recent Target data breach.. I have opened many accounts over years (ok, my bad). The report lists two cards, which I don't recognize at all. Those accounts were opened a few years ago, so certainly unrelated to recent events. I went through my drawe...
by AQ
Thu Jan 16, 2014 12:45 am
 
Forum: Personal Finance (Not Investing)
Topic: unknown credit cards on my credit report
Replies: 21
Views: 2025

Advice about campus recruiting?

DS in his senior year and already got his offer from his prior internship. That is great news. However, he hasn’t made up his mind about what he’d like to do and wants to take advantage of the school on-campus recruiting, but his offer requires he makes a decision in the next week.. Any experiences ...
by AQ
Wed Sep 18, 2013 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice about campus recruiting?
Replies: 13
Views: 1335

Potential liability from adult children?

Please advise how we can protect ourselves from potential liabilities from our adult son. Son is in college, and he's going to get his driving license fairly soon. I don't expect him to get his own car any time soon, but imagine he might drive cars from friends, as well as family car when he comes h...
by AQ
Tue Sep 03, 2013 9:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Potential liability from adult children?
Replies: 22
Views: 5432

Re: TLH or buy more? VCITX

Muni ETF is surging today, and I take it a likely turning point and started to build up.. :happy
by AQ
Wed Jun 26, 2013 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH or buy more? VCITX
Replies: 9
Views: 1102

Re: TLH or buy more? VCITX

I plan to do both. I took it it seems stablized today, so I bought more.
by AQ
Tue Jun 25, 2013 8:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH or buy more? VCITX
Replies: 9
Views: 1102

Re: Time to dump bond funds?

I think I understand the lower nav, higher yield, etc. and all is fine. But there is a catch, I believe. In actual fund management, if a lot of investors like OP panicked, and rushed to exit, and Vanguard is forced to sell at a discount to redeem, then the remaining investors would end up eating the...
by AQ
Fri May 31, 2013 10:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Time to dump bond funds?
Replies: 25
Views: 2863

Re: A RBD ...for Bonds?

Appears that tips were hit much harder than nominal treasury. Any insights?
by AQ
Tue May 28, 2013 9:41 pm
 
Forum: Investing - Theory, News & General
Topic: A RBD ...for Bonds?
Replies: 12
Views: 1291

Re: Meet Mr. Money Mustache, the man who retired at 30

I would love to find that thread if anyone knows what he is talking about. Unless it's a 20-year-old with 10 kids and some kind of money-sucking illness, I just can't picture who would be advised they could not retire with 4 million, and am curious to see. I think that it might be this thread: http...
by AQ
Sun Apr 28, 2013 8:03 pm
 
Forum: Investing - Theory, News & General
Topic: Meet Mr. Money Mustache, the man who retired at 30
Replies: 253
Views: 30176

Phishing?

Got an email from Vanguard (flagship@eonline.evanguard.com) with the following message, but I haven't received any calls, and didn't expect one. Anything wrong? Our records indicate that you or someone in your household recently received a call from your Vanguard representative. Could you please tel...
by AQ
Fri Mar 29, 2013 4:04 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Phishing
Replies: 33
Views: 3933

Re: Compare 2012 Effective Tax rate?

27.87% by TT. Maybe I need a live accountant instead of TT?
by AQ
Thu Mar 28, 2013 9:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Compare 2012 Effective Tax rate?
Replies: 36
Views: 2935

Re: When to add kid to car insurance

Many thanks for your comments so far. Just to clarify my question, we're in CA. And son has been in driving school for a few hours already. I plan to sit with him while he keeps practice until he got his full liscence. So my question is: do I need to add son to the policy while he is still with a le...
by AQ
Wed Mar 27, 2013 8:57 am
 
Forum: Personal Finance (Not Investing)
Topic: When to add kid to car insurance
Replies: 16
Views: 1016

Re: When to add kid to car insurance

Things may have changed in last few years. In our case we did put our son's name on the policy but also provided school's registration papers to prove that he was more than 50-60 (don't remember exact) miles away from home and proof that he was staying on Campus. This way we had peace of mind when ...
by AQ
Tue Mar 26, 2013 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to add kid to car insurance
Replies: 16
Views: 1016

When to add kid to car insurance

Son is in college. Last month he got a learning permit and I plan to send him to driving school for a few hours. Most of time he'll stay in campus away from home and won't drive but I expect when he gets home for weekends or breaks, he may drive our cars. My understanding is that if I lend a car to ...
by AQ
Tue Mar 26, 2013 9:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to add kid to car insurance
Replies: 16
Views: 1016

Re: What's your number? Why?

I have about 4mm but I'm not sure if that is enough, or how much more I need. 10 would be more than enough but I may never get there :happy It's fairly easy to figure out my needs and expenses but the problem is not sure how much I need to budget for health care. Currently it's paid my employer and ...
by AQ
Sat Mar 09, 2013 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: What's your number? Why?
Replies: 258
Views: 24084

capital loss of a home sale

Just realize I couldn't take capital loss for my seriously underwater home.. too bad, and so unfair. Sorry, have to vent it.. anyway to make it work? convert it to a rental property first, and then sell it after a year or two (whichever tax law would require)? Is there such a backdoor approach, just...
by AQ
Mon Mar 04, 2013 8:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: capital loss of a home sale
Replies: 4
Views: 494

Re: Bank fraud on my business account; left high and dry by

Call me old-fashioned, but I still haven't adopted ACH yet. Or protection on personal accounts is so much better that there is nothing to worry?
by AQ
Thu Feb 28, 2013 12:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank fraud on my business account; left high and dry by bank
Replies: 37
Views: 3506

Re: foreign tax credit / income / turbotax

livesoft, many thanks. Appreciate it. I actually placed an order for this fund today but your answer made me at peace with my action :happy

Also thanks for all the discussions. I'm on Turbotax ever since its launch more than 10 years ago, but this discussion is certainly very enlightening. Thanks!
by AQ
Tue Feb 26, 2013 10:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: foreign tax credit / income / turbotax
Replies: 19
Views: 1880

Re: foreign tax credit / income / turbotax

I suggest looking into FSGDX instead. I had our 401(k) plan switch from using FSIVX to using FSGDX instead. (That is, if you must use a Fidelity fund.) livesoft, I understand all the good arguments for using FSGDX.. One question though: this seems a fairly young fund. Do I need to concern with less...
by AQ
Tue Feb 26, 2013 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: foreign tax credit / income / turbotax
Replies: 19
Views: 1880

Re: foreign tax credit / income / turbotax

The foreign source income could be 100% of the dividend income or it could be less. For instance, I own VSS and foreign source income is about 83.94% of the dividend amount. For SCZ, it is about 74%. It is amazing to me that the Fidelity Spartan Int'l Index has about 50% foreign source income. That...
by AQ
Sun Feb 24, 2013 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: foreign tax credit / income / turbotax
Replies: 19
Views: 1880

Re: foreign tax credit / income / turbotax

HueyLD wrote:
AQ wrote:So if any fidelity investors her and know the place to find this info, I'd highly appreciate it.

http://personal.fidelity.com/planning/t ... gn_tax.pdf


wow, thanks a lot. I looked up the site quite a few times and didn't find it.. thank you, HueyLD
by AQ
Sun Feb 24, 2013 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: foreign tax credit / income / turbotax
Replies: 19
Views: 1880

Re: foreign tax credit / income / turbotax

Many thanks for the explanation. Very helpful. Foreign tax credits are exclusively from my investments in mutual funds of international indices. If I understand it correctly, the dividend income should be mostly from foreign sources and it's almost certainty that I can apply the entire credit. In th...
by AQ
Sun Feb 24, 2013 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: foreign tax credit / income / turbotax
Replies: 19
Views: 1880

foreign tax credit / income / turbotax

Doing my tax with turbotax now and having a question about foreign tax, etc. When I entered an amount for foreign tax paid in Turbotax, it then asked for the portion of income which is foreign income. For example, I invested in Vanguard total international stock. In my 1099-div, I got $1000 dividend...
by AQ
Sat Feb 23, 2013 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: foreign tax credit / income / turbotax
Replies: 19
Views: 1880

Re: Can I retire comfortably?

Nobody commented on OP's question about uncertainty on health care cost? OP and his wife are very healthy but isn't insurance for unexpected? I have about 4mm in investable assets and several years older than OP, but are afraid to quit yet. The biggest concern is health care cost. According to my W-...
by AQ
Fri Feb 08, 2013 12:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I retire comfortably?
Replies: 61
Views: 6776
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