Bogleheads.org

This is so cool, Nisi. How did you manage to hide the display?

961 / 5 x 31 = 5,958.20 (five work days per week with 31 work days in the six week period).

Can't say anything about the 2% FICA.

I don't mind giving a greater amount of wedding gift for the first marriage. However, I have a hard time giving generously to those going for the second, third, fourth, fifth, sixth, seventh, etc. marriages.

I would like to salute Her Royal Highness and the Supreme Commander of the BH forum. Her tireless energy and fearless and fair moderating of the forum is very much admired. When I grow up, I want to be just like her.

I am not sure about the conditions under which someone can invoke filial support laws. If the parents never transfer money to their relatives (children, grandchildren, etc.), how can someone sue those who have not received any money and have not contributed to the parents poverty? I think the root c...

Yes, it is true. See page 19 of Vanguard's prospectus here https://personal.vanguard.com/pub/Pdf/p ... 2210074260 .

If someone hacks your TD account using your information, it's all on you; TD says that's your responsibility and you won't be made whole. I'm not saying this isn't true, but you've mentioned this several times, yet I'm not sure I recall seeing a source quotation. Perhaps I missed it. Could you plea...

Here is the IRS definition for ERD from Pub 575: "If you withdraw cash or other assets from a qualified retirement plan in an eligible rollover distribution, you can generally defer tax on the distribution by rolling it over to another qualified retirement plan or a traditional IRA. You do not ...

The nice and cheerful rep explained that partial orders sitting open and the end of the day are looked at by VBS for their customers. Apparently they call down to the desk and, if possible, get the order cleaned up at the limit price (which happened in this case) to make things all neat and tidy. I...

Nisi,

AFAIK, prescriptions that are funded by federal programs (such as Medicare, FEHB, Tricare, Medicaid) are not eligible for any store reward program. In addition, $5 is not a good reason to give up one's medical privacy.

Unfortunately Arkansas doesnt have an option for a direct debit from my checking. Do you know that DF&A has an online payment system for your taxes? ATAP (Arkansas Taxpayer Access Point) allows taxpayers or their representatives to log on to a secure site and manage their account online. You ca...

The State of Arkansas Finance and Administration help line seemed indifferent. But they did confirm that the e-file was accepted. The rep I talked to said they were swamped this time of year, and it could be several weeks before they confirm that they received my payment. Did you send your payment ...

nisiprius wrote:I'll always be investin', not Vanguardin',...

Not Vanguarding? Literally or figuratively speaking?

I typically use Discount Tire, but recently joined Costco. I have to admit it's discouraging to hear they don't take appointments. Can you at least call to see what tires they have in stock? Yes, you certainly can call ahead. In fact, I usually call Costco Tire Center and inquire about the availabi...

The IRS says "no" to your reasoning.

Do not reduce your deduction by any:
State or local income tax refund or credit you expect to receive for 2012,

http://www.irs.gov/instructions/i1040sc ... tml#d0e353

There has been a discussion on the Boglehead forum about the possibility of dissolving a bypass trust that becomes unnecessary due to changes in the estate tax laws. If someone decided to do this, and they had paper I-Bonds registered to their revocable trust, can those bonds be reissued in their p...

Tried to download and did not work. When I tried to download again it told me I had already downloaded. However I can't find it on my computer. I will try again in a couple of days. Do you have another computer? I had the same problems you have, but I was able to finally download a copy from anothe...

Yes, it looks legit to me. However, Wiley's server is currently overloaded and is down. So, you may have to wait a while before you can download the book.

Call_Me_Op wrote:I have some money in TIPS [purchased in 2008, maturing in 2017-2018] in my taxable accounts, and am sitting on long-term gains.

One thing to keep in mind is that the gain attributed to market discount (on purchase) will be taxed as ordinary income, not as LTCG.

VF: This is the most important question. As I understand it, I could separate (stop working) now and postpone receiving the annuity until some later date. During the intervening years I could use some other insurance. At the time when I start receiving the annuity, I will also be able to re-enroll ...

Gordon,

You need to call Vanguard so that a human can let you into the voice recognition system prompt. I am sure that their CSRs know how to connect you to the VRS. Give them a call.

I think I saw somewhere that using a beneficiary designation is better because in case of death of the owner, the accrued interest can be reported on the final income tax return of the deceased. It's not entirely clear to me why that's advantageous, and I think it would require some careful recordk...

sscritic wrote:E-file? No way!

Somehow, one must accept the 21st century way of e-filing tax returns.

nisiprius wrote:Did Vanguard give a reason for closing it?

No, but I believe it died of natural death (a lack of interest).

tfb wrote:The bond will likely be called. With 2.5 years to go, yielding 3%+, what's the rating? Is it taxable or tax exempt? Seems a little too good.

BBB-

But the Boston money manager is tacking on an additional fee of $7.95 a trade to investors who sell the ETFs within 30 days and to financial advisers who sell within 60 days. ... " They made their program much worse, and made it seem like they made it better ," said Matthew Tuttle, a fina...

sscritic wrote:$500
$500 x 0.9 = $450
$500 x 0.4 = $200

$200 / $450 = 44.44%

$200 x 0.75 = $150

$150 / $450 = 33.33%

Sorry, I am totally lost with the above numbers.

Can Siri please explain?

Savings if we’re both “single” over married: 18,984.50 Mr. Miyagi, If your wife agrees with you about strategic divorce, two of you should seek competent legal advice together. Not doing it properly could cost you dearly. OTOH, if she does not agree with your strategy, you will have a much bigger p...

What a story!!

Maybe you should not add any more money to your TD account?? Except for savings bonds, you can own treasury securities in a brokerage account.

LadyGeek,

For those outlaws in Arizona, is there a setting just for them?

Grasshopper wrote:Like other issues Arizona, dances to a different song.

What do you mean? Please explain.

LazyNihilist, based on that map, it appears that daylight saving time leads to economic prosperity. I retract my objection.

Does it mean that AZ is in economic dumpster?

I haven't yet had to redeem any Ibonds that I have in TreasuryDirect. Do they put the money directly back in your bank account? How long does it take? Yes, redemption proceeds from TD will go to the linked bank account associated with your TD account. I think it will take 1-2 business days just lik...

If a municipal bond that has an early call date was NOT called on the call date, does that mean it won't be called early? In other words, if a muni bond is going to be called early, does it have to be called early on the call date only? Or can it be called early any time between the call date and t...

I don't type very well and have a terrible time typing on any virtual keyboard. I think I will wait until Windows 8 becomes more popular before switching to Win 8. As of this writing, I don't know anyone who has made that upgrade. Besides, Win 7 works so well that there is no need to mess with an up...

The cheapest longevity insurance remains the deferral of social security payments. That's my main strategy for now. If that doesn't seem to be enough when I approach 70, I would think Taylor's advice will still hold -- SPIAs are most the transparent, competitive product so using them to supplement ...

Fallible wrote:I also am glad Susie Gharib remains as she is excellent both anchoring and interviewing. Also agree the show needs something new, but we'll now just have to wait and see.

As long as Susie is still on board, I will continue to watch the NBR.

However, I am not so sure about CNBC, the new owner.

The IRS has the answer. Question: How do you report the sale of a second residence? Answer: Your second home (such as a vacation home) is considered a personal capital asset. Use Schedule D (Form 1040) (PDF), Capital Gains and Losses, and Form 8949 (PDF), Sales and Other Dispositions of Capital Asse...

Prior thread viewtopic.php?f=10&t=111989&newpost=1628353

Every spring, I assume breeding season, a pair of ducks show up and try to make my pool their love shack.....I'm looking for suggestions on how to keep them away, short of a 12 gauge. Consider yourself lucky that ducks showed up instead of western diamondback rattlesnakes. I think pool cover probab...

I am certainly not sscritic and not trying to be him. But I have read this ( http://www.ssa.gov/retire2/divspouse.htm ) on the SSA site and would like to take a shot at answering. "If you are divorced, but your marriage lasted 10 years or longer, you can receive benefits on your ex-spouse's rec...

H&R Block is doing a deal where if you do your own taxes on TurboTax then file your return, H&R Block will look at your filed TurboTax return for free to make sure that you didn't make any mistakes. I think it's part of the current advertisement battles going on between the two entities. An...

While Siri would answer questions, would Socrates? Who is Socrates? (1) He was a classical Greek Athenian philosopher credited as one of the founders of Western philosophy. (2) He is a modern man who likes to ask a series of questions to encourage fundamental insight into the issue at hand, but not...

I'm not talking about one spouse taking spousal benefits. I'm asking if both can do this at the same time so they can let their own benefit amount grow via deferred retirement credits until age 70. Would be the same whether divorced or married spouses. As I understand it, spousal benefits require t...

bUU wrote:Still waiting for Fidelity 1099s... promised tomorrow.

Can you go to Fido's website to download your 1099's?

See this blog by our own tfb http://thefinancebuff.com/restricted-st ... s-and.html

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

dharrythomas wrote:2. Withdrawals are from both components proportionately. If your account is 50/50 each withdrawal will be 50% Roth/50% traditional. If you want to roll the Roth to an IRA to avoid the RMD, you'll have to roll the traditional TSP also.

That's the deal killer, yike!!

IIRC, Vanguard CFPs used to recommended TIPS as a part of an investor's portfolio.

My guess is that TIPS are so expensive that they decided to go with the path of least resistance.

long transfers on money is just another reason to use money market mutual funds as little as possible. Ok to have div/cap gains sent there for rebalancing but leaving any sizable money there for any length of time is usually not a good idea. Much better yields/service elsewhere. +1. There is a way ...

OP,

Your parents are over 70 1/2, right? The IRS requires self-employed people who have a Solo 401k to take RMDs.

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