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Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

I found that the free version of TaxAct was as good or better than TurboTax and easily produced the same results. Rather than feed the TurboTax troll the additional $9.99, I'm planning to reward TaxAct with $19.99 to reinforce their good attitude (deluxe federal version with 5 e-files, http://www.t...
by BolderBoy
Mon Dec 15, 2014 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 140
Views: 16606

Re: My thoughts.

So oil prices are dropping due to an oil oversupply and the stock market is going down, seemingly because of this. I'm not sure such a causation argument can actually be made. Oil prices are dropping because OPEC is out to kill the US oil shale business, so they are artificially dropping the oil pr...
by BolderBoy
Mon Dec 15, 2014 9:33 am
 
Forum: Investing - Theory, News & General
Topic: My thoughts.
Replies: 13
Views: 1556

Re: 3-funds, annual rebalancing, and then what??

new2bogle2 wrote:For those here who have a 3-fund portfolio and rebalance about once per year, what else do you do for the rest of the year(s)?

"Don't just do something, stand there!"
by BolderBoy
Mon Dec 15, 2014 9:24 am
 
Forum: Investing - Theory, News & General
Topic: 3-funds, annual rebalancing, and then what??
Replies: 17
Views: 1184

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

It took me a while to figure out how to manually enter stock transactions into the Deluxe version, but the trick was to enter sales information in the Form 1099-B Worksheet, accessed by "Open Form > Schedule D > Form 1099-B Worksheet". It is not clear whether this will work automatically ...
by BolderBoy
Sun Dec 14, 2014 9:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 140
Views: 16606

Re: tax exempt muni fund questions

Does it make any sense to buy a tax exempt fund at our tax bracket? Should we buy into the NJ fund if we will only hold it for 2 years before moving out of state? As we have never bought into a tax exempt fund is there anything special I should be aware of ? I think it is worth doing. You'd have to...
by BolderBoy
Fri Dec 12, 2014 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: tax exempt muni fund questions
Replies: 13
Views: 1798

Re: Financial Review Advice - what to expect for your money

adviseseeker wrote:Please help. Can anyone tell me what a holistic financial review should consist of?

Never heard of it. These folks talk about it some: <http://www.fool.com/personal-finance/saving/2006/11/10/holistic-financial-planning.aspx>
by BolderBoy
Wed Dec 10, 2014 11:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Review Advice - what to expect for your money
Replies: 6
Views: 743

Re: IRS Investigator viewed my LinkedIn profile?

According to LinkedIn, an IRS investigator looked at my profile yesterday. Haha. If the IRS was investigating you, you won't know about it until they themselves let you know - not LinkedIn. A buddy and I were driving around my neighborhood the other day with him manning the laptop looking for Xfini...
by BolderBoy
Wed Dec 10, 2014 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Investigator viewed my LinkedIn profile?
Replies: 14
Views: 3409

Re: Holiday Tipping

What do people usually tip for house cleaners and lawn service for the holidays? Do you factor in if you're traveling for the holidays and skipping a service? I give my housekeeper 2.5x her regular day's fee for her last cleaning before Xmas. Been doing that for the 12 years she's been taking care ...
by BolderBoy
Tue Dec 09, 2014 12:44 am
 
Forum: Personal Consumer Issues
Topic: Holiday Tipping
Replies: 13
Views: 1469

Re: Year-End Review for a 24 year old...

I do have access to an HSA account but I don't really see the purpose since my health insurance has a low $500 deductible and a $20 co-pay. I might look into this though but does an HSA grow as a pre-tax account or is all the money in the account depreciating each year due to inflation? Don't think...
by BolderBoy
Sun Dec 07, 2014 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Year-End Review for a 24 year old...
Replies: 14
Views: 1565

Re: Muliple Vanguard "Total Stock Market Index" funds questi

ResearchMed wrote:Added: There are two labeled "Inst" that both have ER's of .04%, one with $5m and one with $100m minimum.


Well, I'm mostly happy to see that you are having trouble deciding between which of the two above you want to invest.

:happy
by BolderBoy
Sun Dec 07, 2014 7:00 pm
 
Forum: Investing - Theory, News & General
Topic: Muliple Vanguard "Total Stock Market Index" funds question
Replies: 17
Views: 1054

Re: HELP with MY Roth IRA and Taxable Account

Our life insurance is set up through my father-in-law's Edward Jones advisor. Based on the rest of your post it is best to understand that your FiL has an EJ *salesman*. What he advises you to do is to help him #1 and you #2. He's just makin' a livin', but you don't have to let him make it on your ...
by BolderBoy
Sun Dec 07, 2014 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with My Roth IRA and Taxable Account
Replies: 11
Views: 697

Re: Year-End Review for a 24 year old...

After all my monthly expenses and allowing for some "fun money" for movies/eating out/etc, I'm left with a surplus of appx. $1200/ month that has no allocated purpose. What should I do with this? Taxable account? Buy iBonds? Pay off my Fusion? Stuff it in my mattress? I'm open to suggesti...
by BolderBoy
Sun Dec 07, 2014 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Year-End Review for a 24 year old...
Replies: 14
Views: 1565

Re: Bah Humbug [managing Christmas spending]

I'm curious how do Boglehead followers maintain a frugal life with the onslaught of temptations each Christmas. How can you keep the spirit of giving while still giving to yourself for one's own security. In many ways I'm finding it difficult. Is any one else conflicted this time of year? Not in th...
by BolderBoy
Sun Dec 07, 2014 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Bah Humbug [managing Christmas spending]
Replies: 52
Views: 4611

Re: Returning to college at age 32: Help picking a major

Cyber security - major CS and do whatever it takes to get into that field. A lot of crummy hours, weekends, etc involved, but serious money as well. This is what Snowden did and he was making BIG bucks.
by BolderBoy
Sun Dec 07, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Returning to college at age 32: Help picking a major
Replies: 19
Views: 1183

Re: Investing Magazines

Save your money. This website and the recommended books are all that you need. The magazines will tell the latest 100 hot stocks and mutual funds where to invest your money. They are what we call around here "financial porn." +1. I subscribed to Money Mag for 30 years and dropped it a yea...
by BolderBoy
Sun Dec 07, 2014 9:08 am
 
Forum: Investing - Theory, News & General
Topic: Investing Magazines
Replies: 29
Views: 2238

Re: Is it safe to leave Laptop in hotel room

I leave stuff like this in the room all the time. However, I always put the "do not disturb" tag on the door at all times, as I don't like housekeeping coming in my room when I'm not there. +1 Most of the housekeeping staff are too busy to go into a room with the DND tag on the door and i...
by BolderBoy
Sat Dec 06, 2014 11:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 6945

Re: Helping my dad with his portfolio

I'll be a real cynical curmudgeon here and complain that there is life insurance listed as part of his portfolio. That suggests to me that his "financial advisor" is actually a "financial salesman" and the ENTIRE Edward James account ought be viewed with skeptism.
by BolderBoy
Sat Dec 06, 2014 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping my dad with his portfolio
Replies: 52
Views: 2507

Re: Dealing with unauthorized (lawyer) bill

I do not believe I had any obligation to pester him again to answer my email. Email was the method they used to send us the blank form requesting us to fill the confidential information (before the initial free consultation). I am truly interested to find what you think I did wrong under the given ...
by BolderBoy
Sat Dec 06, 2014 11:45 am
 
Forum: Personal Consumer Issues
Topic: Dealing with unauthorized (lawyer) bill
Replies: 61
Views: 6173

Re: Dealing with unauthorized (lawyer) bill

Okay, now I get it. You had your meeting with the lawyer and before you decided NOT to use his services but after you left his office you returned the detailed information sheet to him by mail. If I were the lawyer, I'd have been confused as well since the return of the info sheet *by mail after the...
by BolderBoy
Fri Dec 05, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with unauthorized (lawyer) bill
Replies: 61
Views: 6173

Re: Dealing with unauthorized (lawyer) bill

I have no idea why the OP started with as weird contractor's analogy. Seems to confuse people for no reason. And something tells me that some material facts were left out. +1 OP: This has to be one of the oddest posts ever. +2 Mr OP, I'm of the opinion that if you are as evasive with a small claims...
by BolderBoy
Fri Dec 05, 2014 1:18 am
 
Forum: Personal Consumer Issues
Topic: Dealing with unauthorized (lawyer) bill
Replies: 61
Views: 6173

Re: Review IPS and Strategy Across PreTax, Roth, Taxable Acc

Questions: 1. Seems reasonable? Any improvements to either the statements or the strategy? 2. Does it make sense to have my one taxable holding for now be "Total International Stock Market"? I am just starting investing in taxable land. And am trying to figure out a strategy across all my...
by BolderBoy
Wed Dec 03, 2014 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Review IPS and Strategy Across PreTax, Roth, Taxable Account
Replies: 4
Views: 890

Re: Do RMDs at 30 years old affect typical investment guidel

I am trying to get my head around whether having to take RMDs at a relatively young age (30) due to inherited IRA affects the typical investment guidelines on this site. I don't see why it would. This is an inherited tIRA I presume? It still retains its "IRA" quality. You take the yearly ...
by BolderBoy
Wed Dec 03, 2014 6:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do RMDs at 30 years old affect typical investment guidelines
Replies: 13
Views: 1634

Re: Close to retirement with this much money need thoughts!

Through a divorce settlement 1 and 1/2 years ago I acquired $385,000.00 in cash and stocks. Is the $385k what is itemized below? I have hit a real issue with finding work that pays a decent salary so I have been substitute teaching for the last year making roughly $7000. I am working on changing th...
by BolderBoy
Wed Dec 03, 2014 5:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Close to retirement with this much money need thoughts!
Replies: 14
Views: 2749

Re: Investing for 18 y/o granddaughter

You could do it either way but making it part of the trust assets would mean that you would need to alter the terms of the trust to specifically give her that account's assets so I would use a transfer on death beneficiary designation (I assume this is a taxable account). Agree - would not involve ...
by BolderBoy
Wed Dec 03, 2014 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing for 18 y/o granddaughter [Revocable Trust]
Replies: 7
Views: 614

Re: Advice on old beater car. Best way to get rid?

Our local school district accepts (and seeks) old cars. Students in the Industrial Arts program are studying to become auto mechanics. They take the old cars apart, and put them back together. The donation is tax-deductible. And society will have skilled technicians to work on our cars in the futur...
by BolderBoy
Wed Dec 03, 2014 5:16 pm
 
Forum: Personal Consumer Issues
Topic: Advice on old beater car. Best way to get rid?
Replies: 34
Views: 2805

Re: Stanley Kubrick's 2001 a space odyssey

My belief is that there isn't an atom of meaning in it. +1 I saw the movie in the theatre when it first came out and found it baffling. I'd read Clarke's Childhood's End , so I was at least clued in to his ideas, but the movie was too abstract. The story was incomprehensible or non-existent, and th...
by BolderBoy
Wed Dec 03, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 64
Views: 3958

Re: Conservative portfolio results?

Here's the asset allocation DIVERSIFIED EMERGING MKTS 9.2 FOREIGN LARGE BLEND 9 INTERMEDIATE BONDS 6 INTERMEDIATE-TERM BOND 11.1 LARGE CAP - BLEND 19.8 LARGE CAP - GROWTH 3.2 LARGE CAP EQUITY 3.6 MID CAP - BLEND 5 MONEY MARKET 8.8 MULTISECTOR BOND 7 WORLD BOND 10.5 WORLD STOCK 6.2 and heres the ass...
by BolderBoy
Tue Dec 02, 2014 11:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Conservative portfolio results?
Replies: 41
Views: 3576

Re: Dividend Payment vs Share Price Fluctuation

Okay, I think I understand. It is the fund which has been keeping track throughout the year, of all the dividends being paid out by the companies which the fund holds. It is the fund then, which chooses when to distribute those paid-in dividends to the fund's shareholders. Have I got that right? A p...
by BolderBoy
Mon Dec 01, 2014 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Payment vs Share Price Fluctuation
Replies: 3
Views: 569

Dividend Payment vs Share Price Fluctuation

A friend asked that I submit the following question to the group, if you please. Is there a relationship between a Vanguard fund's X-dividend payout and recent NAV price fluctuations of that fund? Example: VGENX (energy) is getting hammered of late. The estimated Dec 19 dividend to be paid is approx...
by BolderBoy
Mon Dec 01, 2014 1:15 am
 
Forum: Investing - Theory, News & General
Topic: Dividend Payment vs Share Price Fluctuation
Replies: 3
Views: 569

Re: Two years later

Congratulations and well done!

Spread your knowledge.
by BolderBoy
Mon Dec 01, 2014 12:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Two years later
Replies: 2
Views: 1002

Re: Solar Panels for Home

Is the person coming to talk with you primarily a salesman or an engineer? If the former, ponder his suggestions with the most jaundiced of eyes. Yup salesman ! On my cul-de-sac we had a salesman come look at all the homes and on another day a civil engineer. Both worked for solar panel installatio...
by BolderBoy
Sat Nov 29, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: Solar Panels for Home
Replies: 17
Views: 1669

Re: Documentaries to recommend?

Fed Up (2014) - powerful indictment and good explanation of the obesity problem - not rocket science but may not be exactly what you have thought, either.
by BolderBoy
Sat Nov 29, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 86
Views: 6731

Re: Solar Panels for Home

Is the person coming to talk with you primarily a salesman or an engineer?

If the former, ponder his suggestions with the most jaundiced of eyes.
by BolderBoy
Sat Nov 29, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Solar Panels for Home
Replies: 17
Views: 1669

Re: An overdue update from a "panicked investor"

westhermes wrote:Our current portfolio balance is low to mid 7 figures

So $3-5 million? Do you have a need to take so much risk going forward?
by BolderBoy
Fri Nov 28, 2014 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: An overdue update from a "panicked investor"
Replies: 86
Views: 8709

Re: Physician Assistant - Employee or Independent Contractor

1099 is far more lucrative as long as you set your rate high enough to cover health insurance, SS both halves, accounting, insurance, etc. And Profit. After all, YOU are taking a risk, and incurring extra expense and work. You can write off many business expenses. Some of these include rent, comput...
by BolderBoy
Fri Nov 28, 2014 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician Assistant - Employee or Independent Contractor?
Replies: 25
Views: 2472

Re: Physician Assistant - Employee or Independent Contractor

My understanding from two different careers, both of which have lots of ICs, is that an easy preliminary test that most fail is that you must set your own hours. The 'test' is not any one thing, but rather the whole picture. The exercise of independent judgment would probably trump any hours test, ...
by BolderBoy
Fri Nov 28, 2014 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician Assistant - Employee or Independent Contractor?
Replies: 25
Views: 2472

Re: Physician Assistant - Employee or Independent Contractor

Bolder boy - while I do not recall any cases with PAs, I have seen a number of cases where dental assistants working for a number of dentists under the circumstances described by the OP were found to be mis-classified as independent contractors. Folks with professional licensure pass muster more ea...
by BolderBoy
Fri Nov 28, 2014 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician Assistant - Employee or Independent Contractor?
Replies: 25
Views: 2472

Re: Physician Assistant - Employee or Independent Contractor

An alternative... If the OP is uncomfy with the 1099 offer, how about he sets up an LLC (use it as an S-Corp), have the MD-PA group 1099 the LLC and OP be the W-2 employee of the LLC? Lots more paperwork for OP, but if it is otherwise a deal breaker it would satisfy the "employee" issue th...
by BolderBoy
Thu Nov 27, 2014 8:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Physician Assistant - Employee or Independent Contractor?
Replies: 25
Views: 2472

Re: Physician Assistant - Employee or Independent Contractor

I guess I'll simply disagree with the naysayers on this thread. You can do this as an independent contractor - I know plenty of PAs and NPs who've done so for many years and have never been hassled by the IRS or even questioned about their status. In my particular case, I provide absolutely nothing ...
by BolderBoy
Thu Nov 27, 2014 1:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Physician Assistant - Employee or Independent Contractor?
Replies: 25
Views: 2472

Re: Favorite TED Talks

How to tie your shoes. It is only about three minutes long. http://www.ted.com/talks/terry_moore_how_to_tie_your_shoes?language=en There is a very good chance that you have been doing it wrong since you were a kid. Amusing. Since I've been using a Surgeon's knot technique for laying down the first ...
by BolderBoy
Wed Nov 26, 2014 1:55 am
 
Forum: Personal Consumer Issues
Topic: Favorite TED Talks
Replies: 26
Views: 3494

Re: Life changing decision... advices needed!

How old are you?
by BolderBoy
Wed Nov 26, 2014 1:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Life changing decision... advice needed!
Replies: 91
Views: 10713

Re: Physician Assistant - Employee or Independent Contractor

Personally, I'd go the 1099 route + ask that they add you to the malpractice policy. I'm not current on PA incomes, but something +- $100/hr seems about right (if they won't add you to the med mal policy, consider $110/hr). You could sweeten the deal with them by offering to cover only as many hours...
by BolderBoy
Wed Nov 26, 2014 1:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Physician Assistant - Employee or Independent Contractor?
Replies: 25
Views: 2472

Re: Strategically not paying medical bills for 90 days for a

The reason the chargemaster price is high has to do with taxes. Let's say that Doctor X bills the insurance policy $3,000 for a colonoscopy, but his list or chargemaster price is $7,000.00 If someone without insurance doesn't pay the bill, he can write it off as a $7,000 loss so there's good incent...
by BolderBoy
Wed Nov 26, 2014 1:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Strategically not paying medical bills for 90 days for a dis
Replies: 30
Views: 3929

Re: Allocation

I also have high risk tolerance and have there is almost a zero chance I sell during a downturn, so I don't need bonds for the psychological benefit either. "almost zero chance" is not the same as "zero chance". If you can quantify the actual chance (such as 5%, 20%, whatever), ...
by BolderBoy
Wed Nov 26, 2014 12:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Allocation
Replies: 16
Views: 1060

Re: Allocation

I also have high risk tolerance and have there is almost a zero chance I sell during a downturn, so I don't need bonds for the psychological benefit either. "almost zero chance" is not the same as "zero chance". If you can quantify the actual chance (such as 5%, 20%, whatever), ...
by BolderBoy
Wed Nov 26, 2014 12:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Allocation
Replies: 16
Views: 1060

Re: Wisdom: When to drop disability insurance?

Mine was $790/yr, level; got it at age 36. Retired at 61 and dropped the policy after the age 62 premium was paid and feel I was a bit lazy about doing it. Doubt there is benefit to keeping such a policy once you've retired. If my premium was $6k/yr, I'd have dropped it as soon as I was sure I had e...
by BolderBoy
Tue Nov 25, 2014 12:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Wisdom: When to drop disability insurance?
Replies: 11
Views: 1222

Re: Bumped out of first class at boarding - compensation?

- I purchased the first class seats over 11 months ago through United Airlines web site using United frequent flyer miles (80,000 miles total for two "saver" first-class one-way awards). Ah, so you were "non-revenue" passengers. There are rules about that on the FF program site ...
by BolderBoy
Mon Nov 24, 2014 1:40 am
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 52
Views: 6312

Re: Debt vs Taxes

(Incidentally, accountant wants me to hire my wife to manage quickbooks, pay her 17.5K / yr and have her place it all in her own 401k as well - seems a bit shady, but he claims this is common practice. Thoughts?) Not shady practice. Many solo practitioners do that. Obviously she needs to do the wor...
by BolderBoy
Mon Nov 24, 2014 1:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Debt vs Taxes
Replies: 8
Views: 1343

Re: Taxes and Business Checking Account for Blog

You may be overthinking the TIN vs EIN thing. Do you intend at some point to open a solo 401k for this business (even as a sole proprietor)? If so, apply for an EIN now (online, you'll get it immediately) because you'll need it for the 401k and then you'll have it for the "business".
by BolderBoy
Mon Nov 24, 2014 1:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxes and Business Checking Account for Blog
Replies: 7
Views: 757

Re: Porfolio review, consolidation needed

LittleGreenSoldiers wrote:Desired Asset allocation: 80% stocks / 20% bonds
Desired International allocation: 10% of stocks

I like the International portion, but think the 80/20 AA is pretty stiff for folks your age.
by BolderBoy
Mon Nov 24, 2014 12:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Porfolio review, consolidation needed
Replies: 15
Views: 1194
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