Bogleheads.org

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...

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...

27.87% by TT. Maybe I need a live accountant instead of TT?

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...

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 ...

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 ...

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 ...

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...

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?

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

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!

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...

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...

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

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...

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...

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-...

download TT and would start to work on my tax shortly. Noticed the changes from INT to DIV for tax-exempt interests. Wonder if anyone has updats or something to add on this issue.

I just wish the tax code was simpler...

Boglenaut wrote:I think you are way too far to be setting 50 as a date. Just save as much as you can then decide when you are closer. A lot can change by 2035.

+1

Thanks a lot for all the comments providing a fairly good picture of the pro and con for both cities collectively. Really appreciate it... Not a young lad anymore. If you look up my old posts, I'm actually considerin early retirement with some chronical health problems.. That is why I value the NHS ...

Hi, anyone has experiences living in both places? I refer to both metros, not necessarily Manhanttan when talking about New York, e.g. Got potential opportunities in both places and tried to decide in next month or so. Currently I'm in CA and a US citizen. Things to consider: 1) Tax: in NY, the top ...

I was thinking to build a 10 year ladder. Any difference between a 5 and 10 ladder? Thought 10 year ladder would capture a bigger term premium?

One day last month I was in an airport. My plane was seriously delayed. A woman was marketing a milage credit card deal. with nothing better to do, I signed up putting all info in the form to the woman... and was told I'd get email notice in a week. Now more than 2 weeks later I didn't hear anything...

I was doing this for a few years for lack of tax-deferred space to keep my fixed income money. Plan to do it for foreseeable future, in particular given higher income/dividend tax rates now.

1456.78

I'm in the market for a new laptop, and appears the majority thinks Win 7 is better.. But how could I get a brand-new win7? I shopped around for a couple of days and everywhere I go only win8 is for sale.

I recall that direct tuition and medical care expenses are unlimited with respect to the annual gift tax exclusion? Yes, provided they are paid directly. "... who is in his 20 year old. Right now I paid all expenses exceeding $26K annually" is ambiguous in at least seven ways, an accompli...

To the OP: the definition of dependent does not depend on age, not 22, not any other. Unlike a qualifying child, a qualifying relative can be any age. There is no age test for a qualifying relative. Thus a child who does not meet the age test to be a qualifying child may still be a qualifying relat...

Hi, Let me start by saying I never got a good understanding on this gift tax thing.. Now I have some specific questions about it: I have a son in college who is in his 20 year old. Right now I paid all expenses exceeding $26K annually. But guess since he is my dependent, this money has nothing to do...

As long as you could financially afford it, I think it's nice to continue to support your son until he gets a job himself. The world is quite different now. It's not uncommon to see people in PhD programs well over 30 years old. My son is in college and I plan to pay all expenses (tuition / board, e...

One news report blamed the recent dip on very high new issuance..

Make sure you communicate with the kid's parents, so they are signing off on whatever you're doing. Next make sure to have an umbrella liability policy in place. The "kid" is around 20. In what way are the parents in the legal picture? I would contact the parents as a matter of courtesy a...

Hope to get some advices on the following issue: My college son took his roommate home to stay over a couple of days. We always encourage him to do that, and happy to welcome his friends as usual. But this time it's a bit different. His roommate went through a surgery last week, and apparently is st...

Thanks a lot. I haven't realized the medical aspect of the issue. Many thanks for a lot of good advice. Since our son is out to college, we had more free time and often volunteered to help out friends; driving them to airports; from time to time driving friends' kid around (wife is homemaker); in th...

A good friend asked me to take care of his boy when he has to make a business trip in a few days. I'm very happy to, and all is fine except one concern. In a highly unlikely situation that something should happen to the boy, isn't there a possibility I'm subject to a potential liability? What is the...

I keep some money outside of Vanguard. The concern is solely about that in an unlikely scenario, I couldn't access the fund at Vanguard and I need a plan B for peace of mind (e.g., some technical glitch at Vanguard, identity theft, etc..)

sscritic, thanks for the detailed explanation. We're still in 50s so it's more about some big picture numbers. no worry about specific numbers now.

DiscoBunny1979, guess fairness is a tricky topic to talk about here. Heard about marrage penalty?

ObliviousInvestor, thanks a lot. Made my day and feel I got a free and valuable gift somehow today

So if my benefit is $2k a month. When both I and my wife reach the retirement ages, we can receive $3K in total ($2K+$1K)? That certainly helps a bit

Hi, This may be a very simple question but I don't know the answer. Would like to know it for planning purpose. My wife hasn't worked long enough to earn the 40 credit points for qualifying for SS on her own. Suppose my SS payment is $2K. Does that mean that I can collect $2k monthly, and my wife co...

I was asked by my insurance company (AAA) for the milage I drove, and without second thought, I put my actual number for the year when I had two long distance road trips (in a typical year, none). The next thing I know, AAA boosted my rate with a significant amount. When I went to explain, the respo...

For extra 20 dollars before tax, I won't bother. But maybe I am old now. When younger, I might do it.

I don't think it matters that much, so one approach I used is to get an average weight of multiple lazy portfolios. It certainly added some complexitis since it invested in multiple funds, but it gave me a perception of better diversification without much harm.. Of course, one needs to have a bit mo...

If I were you, I would quit.. Mostly because the current job hurt your health and it seems you can afford to quit. In the worst financial scenario that you have to scale dwn your expenses, you don't care that much about materials after all. And when you have health, you can always come back to job m...

Thanks to all. Guess nothing has a simple answer :happy We're still in our early 50's. Asked this question mostly for planning purpose. Should my wife be not qualifed for medicare, then she might consider working for a few more years for the sake of it... But it sounds like it's not an issue. But le...

Hi, My wife is a cancer survivor and stopped working a few years ago. Thus the total working time is less than 10 years. I always assume that everyone will qualify for medicare when he/she reaches 65 years old. But recently a friend mentioned that one needs to work for 10 years to earn the credit, o...

I received flood of mails to help me get HARP with outrageously low rates. All of these companies are unheard of.. One question: I guess I don't need to check out the quality of these companies, since it's them who lend me money, not the other way around? Wells fargo said I coule be qualified for a ...

that time again to renew my auto insurance. Could someone help explain the following questions: 1) medical payments: I don't buy this insuarnce. My assumption is that if I am involved in an accident, my medical bills are covered by my own health insurance. Anyone else in my car, or the other party's...

Rob5TCP wrote:We stayed at five places . Will give a review when i am home tomorrow

That would be highly appreciated. Thanks.

Just checked out Fairmont Jasper Park Lodge.. Looks very nice, but the rate seems a bit excessive.. Or am I too cheap?

Banff and Jasper are small town that you can walk from one end of town to the other in minutes. The best part of the trip will be DRIVING to and from Banff/Jasper and obsrerving the seanery. That is probably true ... I wished someone could comment on where we could stay for hotels? I believe we can...