Search found 2154 matches

Return to advanced search

Re: Stopping unwanted "junk" newspaper

^Exactly what threat are you and ResearchMed trying to defend against? A bored teen who lives in your neighborhood? Many break-ins are opportunistic strikes. Seeing a couple of uncollected newspapers is an inducement, not a deterrent. A typical drug addict is not going to be sizing up the place over...
by House Blend
Mon Apr 21, 2014 4:43 pm
 
Forum: Personal Consumer Issues
Topic: Stopping unwanted "junk" newspaper
Replies: 23
Views: 1459

Re: How to avoid ads and not get tracked

I hate ads as much as the next guy but I have never used ad blocking software ( I certainly have the computer know how to block them if I choose to). I feel that blocking ads is the equivalent of theft. It's not theft. You may not like it, and some websites may not like it, but I'm paying for the c...
by House Blend
Sat Apr 19, 2014 7:41 pm
 
Forum: Personal Consumer Issues
Topic: How to avoid ads and not get tracked
Replies: 49
Views: 2742

Re: Vanguard Total International (VTSAX) - Taxable Account

If Fund A has an annual 2% yield and 6% capital gains, and Fund B has an annual 3% yield and 5% capital gains, then they will generate the same tax burden when distributed from a tax-deferred account. You are correct about that - actually a glass of wine helped me figure that out myself. But as lon...
by House Blend
Fri Apr 18, 2014 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VTSAX) - Taxable Account
Replies: 24
Views: 2229

Re: Vanguard Total International (VTSAX) - Taxable Account

calm man - 2% dividends versus 3% dividends also adds up in tax deferred account. For many folks taxes on those dividends will eventually have to paid - at ordinary tax rates. It is easy to forget about the eventual taxes on tax deferred accounts. For many it seems like eventual means forever or ne...
by House Blend
Thu Apr 17, 2014 10:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VTSAX) - Taxable Account
Replies: 24
Views: 2229

Re: TIAA TPA rollover to Roth?

1. Much better in my opinion is to never be overweight in the non-liquid form of Traditional. Allow other fixed income investments, including liquid Traditional, to be part of the same allocation bucket. So when the time comes to rebalance out, all you need to do is a simple internal transfer and le...
by House Blend
Wed Apr 16, 2014 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: TIAA TPA rollover to Roth?
Replies: 10
Views: 236

Re: skewing to take advantage of capital-loss carryforward?

Any suggestions for Bogleheadian investments that would be more tax-efficient with respect to skewing towards throwing off capital gains rather than dividends, without unduly sacrificing expected total return? Nope. You seem to be doing the best one can do. Those carryforward losses will be very us...
by House Blend
Tue Apr 15, 2014 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: skewing to take advantage of capital-loss carryforward?
Replies: 8
Views: 617

Re: SSA says Grandmother owes 88K!

PC, I do hope you get this cleared up. The latest innovation at the IRS and SSA is that they can go after the children (or any relatives) to retrieve any overpayments to deceased parents, and they can seize your tax refunds to pay down this debt. Article: http://www.washingtonpost.com/politics/socia...
by House Blend
Mon Apr 14, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: SSA says Grandmother owes 88K!
Replies: 26
Views: 3853

Re: The Case for Dividend Stocks in Retirement (article)

The obvious bedrock point is this. In real life, if the two growth charts almost coincide , then it doesn't matter which fund you are using. Not when income taxes are involved. (Is income tax part of real life?) Take the example of a decades-long accumulation of a stock fund, followed by decades-lo...
by House Blend
Mon Apr 14, 2014 12:10 pm
 
Forum: Investing - Theory, News & General
Topic: The Case for Dividend Stocks in Retirement (article)
Replies: 27
Views: 2248

Re: 457b vs. 403b

I’m not sure if I’m doing the math right, but it seems that once I start exceeding $20k in the account, the fees for the 403b start becoming more attractive in comparison to the 457b. I really like the 457b’s provision that there isn’t a 10% penalty on premature distributions after separation of se...
by House Blend
Mon Apr 14, 2014 10:16 am
 
Forum: Investing - Help with Personal Investments
Topic: 457b vs. 403b
Replies: 7
Views: 754

Re: How Are Catch Up Contributions Made?

I turned 50 last year. That means you were also eligible for catch up contributions last year. (So it's not too late to add an extra $1K to your IRA designated for 2013.) I think you are getting confused by the rules that describe how the catch-up limits interact with other retirement account limit...
by House Blend
Sun Apr 13, 2014 10:48 am
 
Forum: Investing - Help with Personal Investments
Topic: How Are Catch Up Contributions Made?
Replies: 15
Views: 1386

Re: TIAA CREF

Just checked T-C with http://possible.lv/tools/hb/ and http://filippo.io/Heartbleed/ , and it seems to have been fixed now. Not sure how reliable/accurate the checkers are, though. Qualys SSL Labs is still giving an F to the one server they can connect to (from akamai). 1 143.165.80.43 tiaa-cref.or...
by House Blend
Thu Apr 10, 2014 1:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA CREF
Replies: 50
Views: 3311

Re: heartbleed - widespread internet security problem

The first version of Centos with the bug was 6.5, which was released Feb 26 2014. Yes it was 6.5, but the release date was Dec. 1 2013. From the horse's mouth: Since this is the first post about the openssl update, I want to answer a couple questions here: 1. The first susceptible version of openss...
by House Blend
Thu Apr 10, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16470

Re: heartbleed - widespread internet security problem

Are/were only some versions or implementations of OpenSSL vulnerable? Correct. The vulnerable versions of OpenSSL were first released in 2012. But not all users and distributors of the software necessarily try to stay on the bleeding edge. (Pun intended.) For example, the OpenSSL version distribute...
by House Blend
Thu Apr 10, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16470

Re: Netflix & Red Box

Streaming seems to be best for TV series. I enjoyed the Breaking Bad and Orange is the New Black episodes - any other series suggestions? Interested in most anything as long as it's not vapid or full of gratuitous over the top crap. House of Cards Mad Men Dexter I like many of the mystery imports f...
by House Blend
Wed Apr 09, 2014 10:21 am
 
Forum: Personal Consumer Issues
Topic: Netflix & Red Box
Replies: 26
Views: 1493

Re: Asset location strategies for taxes are OK; but not grea

Rick, I agree with some of your points, and disagree with others. If your AA calls for 5% REIT, are you really suggesting that 5% of your taxable account should be REIT? (Use before tax or after tax value, whichever you prefer.) That's crazy talk. I don't suggest putting REITs in a taxable account ...
by House Blend
Mon Apr 07, 2014 10:00 pm
 
Forum: Investing - Theory, News & General
Topic: Asset location strategies for taxes are OK; but not great
Replies: 27
Views: 2639

Re: Asset location strategies for taxes are OK; but not grea

Rick, I agree with some of your points, and disagree with others. If your AA calls for 5% REIT, are you really suggesting that 5% of your taxable account should be REIT? (Use before tax or after tax value, whichever you prefer.) That's crazy talk. While I think it can be reasonable to hold the same ...
by House Blend
Mon Apr 07, 2014 5:06 pm
 
Forum: Investing - Theory, News & General
Topic: Asset location strategies for taxes are OK; but not great
Replies: 27
Views: 2639

Re: Tax Question--IRA Recharacterization and Filing

I recently posed the same question to Fidelity about this. I told them I planned to do a Roth conversion by having them move xx shares of a couple of ETFs from a traditional IRA to my Roth. I asked if I should set up separate Roth IRAs in case I wanted to do selective recharacterizations. Here is t...
by House Blend
Sat Apr 05, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Question--IRA Recharacterization and Filing
Replies: 15
Views: 590

Re: Tax Question--IRA Recharacterization and Filing

Because of your post, I checked with Vanguard to confirm and asked about setting up separate accounts for each fund. The representative told me there appears to be a recent change to the law that will force all IRA's to be lumped together for such matters. Not only funds in different accounts would...
by House Blend
Sat Apr 05, 2014 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Question--IRA Recharacterization and Filing
Replies: 15
Views: 590

Re: Tax Question--IRA Recharacterization and Filing

In early 2013, $30K in VG Total Stock Fund and $30K in VG Total Bond Fund was converted from traditional IRA to Roth IRA. To get to top of desired tax bracket, I plan to keep let stand one conversion and recharacterize the other. The question is which one. Did you use two different Roth accounts fo...
by House Blend
Sat Apr 05, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Question--IRA Recharacterization and Filing
Replies: 15
Views: 590

Re: Preventing Office Theft of Food and Other Stuff

My favorite scene from Hill Street Blues . Lt. Hunter at precinct, opens the communal fridge. Takes a swig from a bottle, and spits it out. "Yecch! That apple juice has gone bad!" <five or ten minutes later in the script> Sgt. Goldblume opens fridge. "Who stole my urine sample?"
by House Blend
Thu Apr 03, 2014 9:40 pm
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 5185

Re: Need to reduce AGI by $3000. Suggestions?

^As the OP wrote, "This is being posted for a retired woman I know." Hard for a retired person to take a pay cut, or increase before tax deductions on paycheck, or contribute to any flavor of retirement plan or IRA. You could take a temporary job, but would have to hope that you could gene...
by House Blend
Sun Mar 30, 2014 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need to reduce AGI by $3000. Suggestions?
Replies: 14
Views: 1483

Re: International Bond Allocation?

Petrocelli wrote:Does that sound about right?

Define what you mean by "right".

Once you've controlled for costs (ER), average duration, and credit quality, I don't think it matters what you do for fixed income.
by House Blend
Sun Mar 30, 2014 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: International Bond Allocation?
Replies: 24
Views: 1646

Re: Tax-free growth vs. keeping all bonds in tax-advantaged

How about both bonds and stocks in all accounts? Otherwise, how are you going to rebalance? I actually prefer to keep all of my accounts roughly the same AA. Makes re-adjusting easier. I just use intermediate-term municipal bonds for the taxable account. For those who choose to have stocks & bo...
by House Blend
Fri Mar 28, 2014 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax-free growth vs. keeping all bonds in tax-advantaged acct
Replies: 19
Views: 1291

Re: Conversion Considerations

Are there any other considerations that I am missing in this scenario? I have a small Traditional IRA account - it was funded entirely with after-tax contributions and the earnings have been minimal. You should be aware that you need to file Form 8606 for every tax year that you made a non-deductib...
by House Blend
Wed Mar 26, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Conversion Considerations
Replies: 9
Views: 780

Re: Recharaterize IRA contribution

Just filed my 2013 return a couple days ago. Now realized that I made traditional IRA contribution in June 2013, but in the return, I claimed that I had a Roth contribution of $5,500. I know I have two choices here (or more?). 1. amend the return, which I don't like the idea 2. Recharaterize the co...
by House Blend
Tue Mar 25, 2014 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recharacterize IRA contribution
Replies: 10
Views: 484

Re: Taxes for Self-employed and Employment Income

You should understand that you will not be filing a 1040-A for 2014. Self-employment income is one of the deal-breakers that says you must go whole-hog and file a Form 1040. And you should start getting familiar with Schedule C (or C-EZ) and Schedule SE. Those are the forms that determine how your s...
by House Blend
Fri Mar 21, 2014 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxes for Self-employed and Employment Income
Replies: 4
Views: 378

Re: IRA recharacterization and amended return

Read the instructions for Form 8606 and Form 1040-X. Sounds like you've already filed, and didn't claim a trad IRA deduction. In that case, you don't actually file Form 8606. You do have to attach a supporting statement to the 1040-X that describes the recharacterization. Example: "On June 1, 2...
by House Blend
Thu Mar 20, 2014 10:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA recharacterization and amended return
Replies: 3
Views: 195

Re: Do you have a Tax Advisor?

Oh, but that said, normally I don't use an advisor for taxes. I did for several years, but found that they made so many mistakes that I ended up having to do the return myself anyway, just to figure out what was wrong. It's one of those truisms that nobody cares as much about your money (taxes) as ...
by House Blend
Thu Mar 20, 2014 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a Tax Advisor?
Replies: 21
Views: 1656

Re: Social Security Statement Now Online?

You can get all the information online now. Does "all the information" include your 2013 earnings? That was the question asked. I can see my 2012 earnings, but my 2013 earnings are "Not yet recorded." By coincidence, yesterday I decided to download my annual statement, about a m...
by House Blend
Wed Mar 19, 2014 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: Social Security Statement Now Online?
Replies: 32
Views: 3465

Re: Do you consider Vanguard Total Market to be 100% stocks?

For the purposes of portfolio construction, do you guys consider mutual funds like Vanguard Total Market Index Fund to be 100% stocks? Or, is this not a big deal and doesn't really matter in the end? Yes, treat it as 100% stock, and no it doesn't really matter. The proof is in the pudding. If the a...
by House Blend
Wed Mar 19, 2014 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you consider Vanguard Total Market to be 100% stocks?
Replies: 15
Views: 2417

Re: 10 Reasons to take your pension annuity over a lump sum

One thing I'm curious about is whether any of this interacts with the Windfall Elimination Provision that can reduce your SS benefits. Suppose you are covered by a pension and don't pay into SS while doing so (e.g., school teachers in certain states). But you also had a second career before or after...
by House Blend
Wed Mar 19, 2014 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: 10 Reasons to take your pension annuity over a lump sum
Replies: 34
Views: 4241

Re: Foreign tax credit, and Roth IRA

That... really sucks. No international for me then. I only can afford to fill my Roth IRA every year, and that's it. Uhh....You're missing the big picture. Maybe it sucks, but it sucks at most a tiny amount, like a 0.10% suckage. Or maybe not at all. If you held international in a taxable account, ...
by House Blend
Tue Mar 18, 2014 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Foreign tax credit, and Roth IRA
Replies: 7
Views: 372

Re: 2013 tax filing issues

1. No, you're thinking about the limit for making Roth IRA contributions. The deductiblility threshold for an IRA is much lower. 2. Probably not. 3. Not something I would do. Read the instructions for Schedule A to see the documentation requirements for claiming non-cash donations. 4. Almost certain...
by House Blend
Sun Mar 16, 2014 10:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2013 tax filing issues
Replies: 33
Views: 1007

Re: Tax Managed Balanced Fund - Dividend distribution

I am interested though in how much of the dividend is indeed federally taxable (I know it will be almost all NJ taxable but I can live with that) and how much is muni. I can;t find this information anywhere. I thought I would ask my colleagues here before "harassing" my Flagship represent...
by House Blend
Sun Mar 16, 2014 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Managed Balanced Fund - Dividend distribution
Replies: 6
Views: 763

Re: Tax Efficiency - Buying on Dividend Dates

I know that how it's bad to buy just before the dividend has been discussed before, but I'm wondering if anyone takes it a step further and only buys on the dividend date. This is what I do, although it is not about not wanting to buy a dividend, it is about killing multiple birds with one stone. I...
by House Blend
Fri Mar 14, 2014 10:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Efficiency - Buying on Dividend Dates
Replies: 8
Views: 620

Re: Old, large account - move it to index and take big tax h

Here is the precise info I got on the website - present total value almost exactly 150k (15.38 a share). Again, it was opened on 11/11/87 "Total Shares: 9729 Total Cost: $19,267.82 Ave Cost Per Share: 14.48 Pre-effective Cost per share: 13.26 Post-effective Cost per share: 14.62" -- I am ...
by House Blend
Fri Mar 14, 2014 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old, large account - move it to index and take big tax hit?
Replies: 40
Views: 2598

Re: Old, large account - move it to index and take big tax h

Just called up Virtus - the account was opened on 11/11/87. It has sat untouched since then with dividends/gains reinvested. As to figuring out cost basis, they said that their electronic records do not go back that far and will require going into microfiche. They can give me year end statements, e...
by House Blend
Fri Mar 14, 2014 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old, large account - move it to index and take big tax hit?
Replies: 40
Views: 2598

Re: Retirement Planning - Did you ever think?

How did life get so complicated? Interesting to ponder how much of the changes should be attributed to technology versus how much we ourselves change. The point being that there is much more at stake when you are approaching the end of the rainbow than the beginning. In my 20's I did next to nothin...
by House Blend
Fri Mar 14, 2014 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning - Did you ever think?
Replies: 33
Views: 3365

Re: If TLHing in taxable and re-balancing in an IRA: Wash Ru

As others have said, a purchase is a purchase as is what Vanguard calls an "exchange". IRA is a separate taxpayer. What does this mean? If you sell at a loss in taxable, and buy shares of the same fund in your spouse's IRA, it's still a wash sale. How does the IRS know that IRA purchased ...
by House Blend
Fri Mar 14, 2014 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: If TLHing in taxable and re-balancing in an IRA: Wash Rule?
Replies: 11
Views: 532

Re: What is your 2013 Federal Effective Tax Rate?

I know TT puts out a number, but I don't agree with it. Effective Federal Income tax rate should be the Tax Paid (after credits) / [Gross income on paychecks including employee retirement plan contributions, health insurance premiums, FSA/HSA deductions) + self-employment income + net investment in...
by House Blend
Thu Mar 13, 2014 11:15 am
 
Forum: Personal Finance (Not Investing)
Topic: What is your 2013 Federal Effective Tax Rate?
Replies: 73
Views: 4723

Re: Large capital gain this year

Also missing from this discussion is what long term purpose the OP has for this money. There must have been some reason for selling real estate (an investment property?), with low basis, and netting $1M in LTCG. I generally don't want to expose myself to large amounts of LTCG without a good reason. ...
by House Blend
Wed Mar 12, 2014 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Large capital gain this year
Replies: 68
Views: 2993

Re: Near infinite marginal tax rate?

Yawn. Anyone required to use the tax tables may be exposed to similar jumps in their tax bill. Take a single taxpayer with taxable income (after subtracting qualified dividends and LTCG) of $89,999. That's the 28% marginal bracket. Add a dollar of income and your tax bill increases by $14. A margina...
by House Blend
Wed Mar 12, 2014 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Near infinite marginal tax rate?
Replies: 10
Views: 1338

Re: Large capital gain this year

If you go with a basket of individual stocks, there's also a market timing problem: when is a loss big enough to be worth harvesting? If IBM is down 5%, what do you do? Exchange to cash, or to shares of HP, or wait for more losses from IBM? Peter Foley's idea avoids that issue. If Emerging Markets i...
by House Blend
Tue Mar 11, 2014 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large capital gain this year
Replies: 68
Views: 2993

Re: Recharacterize Roth IRA then backdoor?

^When you do a Roth conversion, your IRA custodian will issue a 1099-R, and you will file a Form 8606. The taxable amount will be reported on Line 15 of your 1040.
by House Blend
Tue Mar 11, 2014 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Recharacterize Roth IRA then backdoor?
Replies: 8
Views: 544

Re: Tax form 1116 questions

learning_head, I do like grabiner's view of things as more likely to be the intent of the regulations, but without clarity from IRS publications or the courts on this topic, we are all fumbling around in the dark. On Form 1116 I take a more pragmatic view, but I do have the luxury of having plenty o...
by House Blend
Mon Mar 10, 2014 2:49 pm
 
Forum: Investing - Theory, News & General
Topic: Tax form 1116 questions
Replies: 29
Views: 1644

Re: Recharacterize Roth IRA then backdoor?

For TY 2013, I made a contribution of $5500 to my Roth IRA. None of this is eligible due to my higher income. I believe this $5500 has grown to ~$7000. My current employer does NOT offer any retirement plans. I expect my income to be similar for 2014. Assuming I re-characterize my 2013 contribution...
by House Blend
Mon Mar 10, 2014 11:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Recharacterize Roth IRA then backdoor?
Replies: 8
Views: 544

Re: Vanguard Total Bond Market in Taxable...need tax help.

Several states have similar rules, so you need to check this with your state tax advisor or the state tax bureau for every state in which you owe taxes. Or use Turbotax. :idea: Tax software doesn't always ask the right questions. Does TurboTax ask you, "How much of your dividends from Vanguard...
by House Blend
Mon Mar 10, 2014 10:22 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond Market in Taxable...need tax help.
Replies: 14
Views: 1708

Re: On institutional versus admiral shares

:oops: The information is right there in the Annual Report for TBM.
Ratio of Total Expenses to Average Net Assets (Admiral shares): 0.08%.


No change for Institutional. I predict at least two or three threads about the lower ER for TBM in April, when the new prospectus is issued.
by House Blend
Sun Mar 09, 2014 4:48 pm
 
Forum: Investing - Theory, News & General
Topic: On institutional versus admiral shares
Replies: 15
Views: 1183

Re: On institutional versus admiral shares

Once again I'll repeat myself, because it seems that the message isn't getting through. Indeed, I still don't grasp the finer point of the message. Is it to drive home how small a 1 bp difference is? Consider it done, although multiplied by 10K shares it adds up to a yearly subscription to somethin...
by House Blend
Sun Mar 09, 2014 3:56 pm
 
Forum: Investing - Theory, News & General
Topic: On institutional versus admiral shares
Replies: 15
Views: 1183

Re: On institutional versus admiral shares

This is simply noise and there is no systemic conspiracy to defraud the Institutional share investors... Once again I'll repeat myself, because it seems that the message isn't getting through. I'm not complaining about Institutional shareholders getting ripped off. (I don't recall mentioning whethe...
by House Blend
Sun Mar 09, 2014 2:57 pm
 
Forum: Investing - Theory, News & General
Topic: On institutional versus admiral shares
Replies: 15
Views: 1183
Next

Return to advanced search