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Re: Rich Spouse, Poor Spouse

I know posters here keep assets either separate or combined and are happy with it.

But curiously, OP is asking about separate "tax liability" mentally - not assets or filing status.
by Faith20879
Thu Jul 24, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rich Spouse, Poor Spouse [Tax filing apportionment]
Replies: 52
Views: 2974

Re: Will not using my dishwasher cause problems?

leftovers?


I can't imagine what they did with those. Crusty in an hour? Let's not go there. :P :P :P

I was in their rat hole once to pick up some class notes. One guy was just finishing up his gruel and he licked the plate clean. I just soon assumed they took no prisoners.
by Faith20879
Thu Jul 24, 2014 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 41
Views: 1643

Re: Will not using my dishwasher cause problems?

This discussion reminded me of a couple of guys I went to grad school with in the mid 80s. Me and several girls rented a apartment together and these guys shared the unit across the hall from us. We were all living on a humble assistantship then and lived our lives in the lab. The apartments' kitche...
by Faith20879
Thu Jul 24, 2014 11:51 am
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 41
Views: 1643

Re: Riding the Rails--my Amtrak trip

Hello jazz,

I thoroughly enjoyed your report. Please keep it coming. Thanks!


Faith
by Faith20879
Wed Jul 23, 2014 8:54 am
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 31
Views: 2255

Re: High end purses

You mean one of these:

Image

Yeah, I use a new one each week to keep up with the fashion.
by Faith20879
Tue Jul 15, 2014 10:17 am
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 10817

Re: Karen, single, 61, $2 million.

It was in the 6/28 episode that you can listen to here : http://www.edelmanfinancial.com/radio . This episode has a longer than usual opening monolog so you'll have to scroll to a little past the half time. As far as I can tell, he didn't mention a word about Roth or annuity. I have been a listener ...
by Faith20879
Fri Jul 11, 2014 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: Karen, single, 61, $2 million.
Replies: 35
Views: 3697

Re: Taxes & Selling a high-fee mutual fund

Hello vanhard,

Welcome to the forum!

you wrote:I'm going to get hit with a lot of taxes, yes?


It depends. Are these shares in a trust? Is the person who you inherited them from still alive? And, this wiki may help too:http://www.bogleheads.org/wiki/Step-up_in_basis


Regards,
Faith
by Faith20879
Fri Jul 11, 2014 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxes & Selling a high-fee mutual fund
Replies: 6
Views: 1124

Re: How to Invest 300K?

Hello outrnm, Welcome! ...I can have these funds locked in for say 6-12 months... Are you saying that you will need this money in 6-12 months? If the answer is yes, I would keep it liquid such as savings or short rung CDs. You might be able to stretch it with a short term bond fund but personally, I...
by Faith20879
Fri Jul 11, 2014 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Invest 300K?
Replies: 9
Views: 1069

Re: Taiwan Local Chapter

Hello YJ, Welcome to the forum. Thanks for the question. Unfortunately I know next to nothing about any treaties or the lack of between TW and the USA. Actually judging by the terms you use, you probably know more than I do. If you are interested in hearing what other BHs' have experienced, you can ...
by Faith20879
Fri Jul 11, 2014 12:07 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taiwan Local Chapter
Replies: 46
Views: 4823

Re: Electric Bike

We saw several at Hudson Trail Outfitter's year-end clearance sale for $699. Thought long and hard about it but ended up not to for these reasons: 1. Ebikes are not allowed on multiple use trails in our local jurisdiction. 2. It weights a ton and I will no way be able to lift it on to a bus carrier ...
by Faith20879
Fri Jul 11, 2014 11:41 am
 
Forum: Personal Consumer Issues
Topic: Electric Bike
Replies: 16
Views: 2012

Re: How I look at $ in the real world vs my retirement accou

No you are not alone and yes I also agree that they are different. I've had this discovery about myself some time ago. That we could lose thousands in the market in one day without blinking of an eye yet we decide to hold off buying something that costs a few dollars until tomorrow because it’ll be ...
by Faith20879
Thu Jul 10, 2014 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: How I look at $ in the real world vs my retirement accounts
Replies: 45
Views: 5663

Re: Calling all Cyclists... [help getting into cycling]

Thought I should give a progress report. This being the summer in Maryland, leaves and branches are constantly hanging over the trail or in some places have taken over the shoulders. I usually just kept my head down, eyes closed, and brushed on over. Lo and behold, over the weekend, blisters started...
by Faith20879
Thu Jul 03, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: Calling all Cyclists... [help getting into cycling]
Replies: 71
Views: 5113

Re: TSP vs. IRA?

If I remember correctly, Roth TSP is subject to RMD rule.

Faith
by Faith20879
Thu Jul 03, 2014 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP vs. IRA?
Replies: 17
Views: 1405

Re: Calling all Cyclists... [help getting into cycling]

:D :D :D dbr, you make some good points. Here is my dilemma: 1. The problem shoulder doesn't hurt when I am on the bike, 2. This season in Maryland is just too perfect to sit out, 3. I didn't think the hard gravel would make any difference, and 4. My bike was professionally fit by a store called &qu...
by Faith20879
Tue Jun 17, 2014 4:19 pm
 
Forum: Personal Consumer Issues
Topic: Calling all Cyclists... [help getting into cycling]
Replies: 71
Views: 5113

Re: Calling all Cyclists... [help getting into cycling]

Epsilon Delta wrote: ...let some air out...


Will definitely try this. Thanks! BTW, my tire size is 1.25. Are you saying a higher number gives me more rubber thus softer ride?

Faith
by Faith20879
Tue Jun 17, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Calling all Cyclists... [help getting into cycling]
Replies: 71
Views: 5113

Re: Calling all Cyclists... [help getting into cycling]

Timely thread. I have a somewhat un-related health question. But with so many fellow cyclists checking in, I just couldn't resist. I have been biking to work for about 10 years and my commute is about 5 miles each way. My route takes me through a construction site that in the past 2 years has had a ...
by Faith20879
Tue Jun 17, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: Calling all Cyclists... [help getting into cycling]
Replies: 71
Views: 5113

Re: Hoping to start off on the right foot... need advice

Hello dooley63, Welcome! Greetings from one of your fellow Marylanders. A few random thoughts: 1. At 25 years old and already 28% tax income. Congratulations! If you play your cards right, you should have no problem hitting your number quickly. 2. Trying to save up some down payment for the next hou...
by Faith20879
Mon Jun 16, 2014 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Hoping to start off on the right foot... need advice
Replies: 11
Views: 644

Re: With no children, who will take care of my finances?

Hi OP, I have bookmarked a couple of old discussions that cover exactly this topic. I had wanted to start a master thread to list them together when I get a chance and call it "Estate Planning and elder care for the childfree or childless". Anyway, here they are: http://www.bogleheads.org/...
by Faith20879
Mon Jun 16, 2014 9:51 am
 
Forum: Personal Finance (Not Investing)
Topic: With no children, who will take care of my finances?
Replies: 53
Views: 5704

Re: Rookie here...What do we do with our 403(b)?

Welcome! Capital Appreciation (PRWCX) is one of the best actively managed funds around. However, here at BH, most of us embrace the indexing way of investing which is a very different approach. My suggestion for you is to read the Wiki as much as you can and figure out for yourself whether indexing ...
by Faith20879
Tue Jun 10, 2014 3:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rookie here...What do we do with our 403(b)?
Replies: 11
Views: 492

Re: Should I stop investing in my Vanguard IRA?

I have two questions: 1. rolled over from a previous 401k Was this pre-tax or post-tax contribution? 2. $300 each month into my rollover IRA Was this deductible (pre-tax) or non-deductible (post-tax)? As you can see from my questions, it is generally not a good idea to mix pre-tax and post-tax money...
by Faith20879
Tue Jun 03, 2014 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I stop investing in my Vanguard IRA?
Replies: 20
Views: 2266

Re: Help me streamline my investment strategy

Traditional IRA can be deductible (with a MAGI qualification http://www.irs.gov/Retirement-Plans/2013-IRA-Deduction-Limits-Effect-of-Modified-AGI-on-Deduction-if-You-Are-Covered-by-a-Retirement-Plan-at-Work ) or non-deductible. Roth IRA is not deductible and also has a income limit http://www.irs.go...
by Faith20879
Tue Jun 03, 2014 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me streamline my investment strategy
Replies: 35
Views: 2136

Re: Keeping up with the neighbors and Balance

HI OP, I understand what you are feeling. I think it is normal to, from time to time, feel a little discontented about life, be it the house, the job, the family or what have you. It is important to figure out what is making you feel this way. If it is from not measuring up to the Joneses, be carefu...
by Faith20879
Mon Jun 02, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Keeping up with the neighbors and Balance
Replies: 95
Views: 9700

Re: New low income investor

Hello Welcome! 1. I'm currently contributing enough to get the maximum employer matching in my SIMPLE IRA, however I'm looking for some advice on what fund to choose. Would it be smart to just put it into the same fund as my Roth (Vanguard Total Retirement 2050)? It seems to perform well and has a l...
by Faith20879
Fri May 30, 2014 4:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: New low income investor
Replies: 6
Views: 1198

Re: I've Got $100K -- Where To Start?

Hello Welcome!

We have a wonderful section in the Wiki http://www.bogleheads.org/wiki/Getting_started that you might find useful.
by Faith20879
Fri May 30, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: I've Got $100K -- Where To Start?
Replies: 39
Views: 4396

Re: Costs that go down/away or go up/first appear in retirem

I will say, for us, these expenses will go up: 1. Internet service - paid by work. 2. Mobile phone - paid by work. 3. Laptop/iPad - paid by work. 4. Gym fee - subsidized by work. 5. Transit subsidy. I pick up groceries near my office so we rarely need to make any grocery trip. That'll change. 6. Uti...
by Faith20879
Thu May 29, 2014 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Costs that go down/away or go up/first appear in retirement
Replies: 30
Views: 2864

Re: Ideas for dining inexpensively

As we both work 8 to 5 jobs, this is a very real need we face at least once a month. On the days we don't particularly fancy the Subway $5 deal, there are also: 1. Our grocery Wegmans has the $6 meal deal, you choose 1 entre and 2 sides and heat it up in the microwave located in their dining area. F...
by Faith20879
Tue May 27, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for dining inexpensively
Replies: 79
Views: 4450

Re: Break is over (Yep, a SS question) 😔

I love BH's collaborated wisdom! :D :D :D
by Faith20879
Thu May 22, 2014 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Break is over (Yep, a SS question)
Replies: 37
Views: 2753

Re: Break is over (Yep, a SS question) 😔

As long as there is effort on the other side, I am willing to do my part. I am one of the beneficiaries. Much appreciated! Do I need to "file and suspend" now? You might want to start your own thread so not to hijack OP's. Anyway, here is what I think: If your spouse is 9 years younger an...
by Faith20879
Thu May 22, 2014 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Break is over (Yep, a SS question)
Replies: 37
Views: 2753

Re: Advice on investing ~$100,000

Do most people still use the 6 month rule? That is a hotly debated subject here. Does one need EF at all? Here are the two sides of the coin: 1. No - because I can always liquidate my equities, up market or down market. 2. Yes - I don't want to risk selling at the bottom and I don't mind my EF maki...
by Faith20879
Thu May 22, 2014 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice on investing ~$100,000
Replies: 9
Views: 1275

Re: Help me streamline my investment strategy

Hello shaX, I agree with bloom: 1. 401k up to the match 2. Roth IRA for $5,500 ($11,000 if you are married, 2 x $5,500) 3. 401k up to the limit of $17,500 - my reasons being 1. I don't believe your 403b's ERs would come anywhere near Vanguard's and 2. but don't leave any match on the table. Perhaps ...
by Faith20879
Tue May 13, 2014 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me streamline my investment strategy
Replies: 35
Views: 2136

Re: Newest, hottest investment fad....

Please don't confuse "many" with "all". It is like saying "many people don't like beef therefore everybody dislikes beef". This paragraph jumped out at me (page 13), A 10 year period was selected for this scenario because many index funds have only been available since ...
by Faith20879
Tue May 13, 2014 10:15 am
 
Forum: Investing - Theory, News & General
Topic: Newest, hottest investment fad....
Replies: 31
Views: 4568

Re: Investing in Gold/Silver Coins

Okay I know my story is second-hand but I am dead serious it is true. During the Japanese occupation of China in the 1940’s, my mother (a young lady then) had to travel from village to village to search for food. The inflation was so bad that the KMT Government would alter the old paper bills’ denom...
by Faith20879
Mon May 12, 2014 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Gold/Silver Coins
Replies: 37
Views: 2471

Re: Stopping unwanted "junk" newspaper

Finally called the city and got the junk paper to stop. Huey, was that you, lived across the hallway from me? :D I love reading up the news and gossips in my local Gazettes which was delivered free within the muni line. I use to live in a condo. The last few months I lived there, the paper mysterio...
by Faith20879
Mon Apr 21, 2014 11:51 am
 
Forum: Personal Consumer Issues
Topic: Stopping unwanted "junk" newspaper
Replies: 23
Views: 1866

Re: *poor* Bogleheads

hello nebraskaman, I know how you feel. But don’t despair. You’ll get you days in the sun someday – if you are a hard worker. I got in the job market in the mid 80s. It took me (actually hubby too) 30 years to finally make just about the same amount as some the young folks on this board are making i...
by Faith20879
Fri Apr 18, 2014 10:15 am
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 12906

Re: Death of an ITIN holder

Ha, I read it so hastily that I totally misunderstood the text I quoted. My whatever disability made me read “a 2013 law says ITIN will expire after 5 years…” Talk about "instruction-impaired", how about a disease that "auto-re-align-to-what-I-want-it-to-mean" ? :oops: I’ll pass ...
by Faith20879
Thu Apr 17, 2014 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Death of an ITIN holder
Replies: 4
Views: 427

Re: Death of an ITIN holder

Found the answer.

Effective January 1, 2013, Individual Taxpayer Identification Number(s) (ITIN) issued on or after January 1, 2013, will expire on December 31st five years after the ITIN was issued.

http://www.irs.gov/Individuals/Individual-Taxpayer-Identification-Number-(ITIN)
by Faith20879
Thu Apr 17, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Death of an ITIN holder
Replies: 4
Views: 427

Death of an ITIN holder

Googled this but couldn't find anything relevant. Should the death of an ITIN(Individual Taxpayer Identification Number) holder be reported to the IRS? This person was a Canadian citizen living in the US, was a dependent on a 1040, had no assets and no work history, thus was not eligible for any US ...
by Faith20879
Wed Apr 16, 2014 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of an ITIN holder
Replies: 4
Views: 427

Re: Baby Boomers: Top 10 Movies

Nah, I am at the tail end of the boom, so most the movies on the list are before my time. Saw them all but perhaps I was too immature to really appreciate any. The one not mentioned but I remembered the most is Silence of the Lamb. I made a mistake by going by myself and there were about 4 other vie...
by Faith20879
Wed Apr 16, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 49
Views: 3944

Re: 25/ Am I on the right track?

...Do you think I should dial down my Small cap exposure... That's more of a personal preference. In general, SML cap provides more growth in the long run but it comes with risk - more volatile. You'll have to decide how much loss you can stomach in a real bear market. SML has had a nice run-up and...
by Faith20879
Fri Apr 11, 2014 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25/ Am I on the right track?
Replies: 8
Views: 1282

Re: Bannability Index

I hope your BI stays low. Eagerly looking forward to reading your travel notes.
by Faith20879
Fri Apr 11, 2014 9:48 am
 
Forum: Forum Issues and Administration
Topic: Bannability Index
Replies: 10
Views: 1791

Re: 25/ Am I on the right track?

I don’t see any blatant problem in you fund selection. You could stay with it a couple of years until you have read all the wikis and are more confident with tinkering. Personally, I dislike paying high fees. I would probably forgo OIGNX and fill my international in the ROTH or taxable. I see you al...
by Faith20879
Thu Apr 10, 2014 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: 25/ Am I on the right track?
Replies: 8
Views: 1282

Re: 25/ Am I on the right track?

I feel like I am way behind compared to other people,


Welcome! And, RELAX! You are not way behind. You are only 25 and you are doing fabulously. Don't let that negative self-talk dictate your thinking.

Is OIGNX in your previous 401K plan or the new 401K that you rolled into?


Faith
by Faith20879
Wed Apr 09, 2014 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25/ Am I on the right track?
Replies: 8
Views: 1282

Re: What to do with cash?

Hi young,

Based on the information you gave (single income and 1 young child), I would leave the cash alone. 40K is about a year worth of emergency fund, in my opinion.

Regards,
Faith
by Faith20879
Wed Apr 09, 2014 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with cash?
Replies: 16
Views: 2483

Re: Advice Needed on Transitioning to DIY Passive Portfolio

A couple of thoughts: On the taxable, if you can't quite decide about the two VG funds, you can leave them be for now. If I were in the situation, I would go for the low-hanging fruits first - the ones you already paid loads for, the ones with the high ER, the ones with the CL, the ones that you wil...
by Faith20879
Wed Apr 09, 2014 4:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice Needed on Transitioning to DIY Passive Portfolio
Replies: 57
Views: 5660

Re: Advice Needed on Transitioning to DIY Passive Portfolio

...two large existing Vanguard funds in my IRA , Wellington and Tax-Managed balanced, as there is an unrealized capital gain of about $110,000 over those two accounts... CG is, by and large, irrelevant in an IRA, you don't happen to mean a taxable account? I agree with retiredjg that you may want t...
by Faith20879
Tue Apr 08, 2014 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice Needed on Transitioning to DIY Passive Portfolio
Replies: 57
Views: 5660

Re: Advice Needed on Transitioning to DIY Passive Portfolio

To get a survivor's benefit, we would have had to accept a far lower pension amount. Since hubby's parents are long-lived, he's a little younger than me, and he's very healthy, we elected a $100/month survivor benefit for me as we had to have something in order to assure I retain Federal employee m...
by Faith20879
Tue Apr 08, 2014 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice Needed on Transitioning to DIY Passive Portfolio
Replies: 57
Views: 5660

Re: Which parts of the financial industry are improving?

Random Musings wrote:They are always working on improving their techniques to deceive the public.


:D :D :D
by Faith20879
Tue Apr 08, 2014 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: Which parts of the financial industry are improving?
Replies: 10
Views: 1003

Re: What next after you have enough sort of.

Hi Star, We are also about 4-6 years away and are actively contemplating the same issues. We use a non-scientific spreadsheet (all numbers are pseudo) to help visualize the different gaps and ways to fill them. It is especially helpful to the less-interested spouse to see where we are and thus more ...
by Faith20879
Tue Apr 08, 2014 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: What next after you have enough sort of.
Replies: 31
Views: 3532

Re: Discovered reason for taxable savings/investment

dm200 wrote:our local jurisdiction has a real estate tax deferral/forgiveness program


Hi dm200,

Do you mind disclosing if you are in DC, VA or MD?

Thanks!
by Faith20879
Thu Mar 27, 2014 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Discovered reason for taxable savings/investment
Replies: 11
Views: 1465

Re: BBQ Road Trip

Hi,

A migrated Gamecock here! This thread is making me homesick. Can I come with you?

I remembered those roadside bbq joints on the way to Charleston.
by Faith20879
Tue Mar 25, 2014 10:34 am
 
Forum: Personal Consumer Issues
Topic: BBQ Road Trip
Replies: 50
Views: 3275
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