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Re: Tried to get credit report - security questions don't ma

Last month I tried to get the free Equifax credit report by computer and it wouldn't let me. I thought it was just me. After reading this thread I went the Consumer Comment Form to complain about the situation. Yesterday I received an Equifax credit report in the mail. I hadn't ordered it, didn't ge...
by ShortStop
Sun Aug 11, 2013 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tried to get credit report - security questions don't match
Replies: 54
Views: 10177

Re: New Boglehead needs help with a plan

You're asking this in two places. See here for previous thread.
by ShortStop
Wed Feb 13, 2013 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Boglehead needs help with a plan
Replies: 4
Views: 510

Re: Microsoft Excel question

Okay, creating a new worksheet and trying to copy and paste the two spreadsheet tables didn't work. The new worksheet wouldn't take two different formats either. However, when I copied and pasted them to Word it did work, and it looks just great.

Thanks for all the help.
by ShortStop
Fri Jun 15, 2012 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Microsoft Excel question
Replies: 7
Views: 950

Microsoft Excel question

I have MS Office for Mac (2004) and have figured out the basics of the Excel spreadsheet but I have a problem. I want to print two different spreadsheet tables with different formatting on one page without running the paper through the printer twice. Is there a way to do that? I checked out a detail...
by ShortStop
Thu Jun 14, 2012 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Microsoft Excel question
Replies: 7
Views: 950

Re: Accelerating K-12: College implications(finance, admissi

It depends on the kid. One of my nephews skipped second and fifth grades, started college at 16 and med school at 19. He's in his thirties now. He was a tall, good-looking extrovert. Even though he was younger, sometimes much younger, than other students in his classes, he had no problems making fri...
by ShortStop
Thu Apr 05, 2012 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Accelerating K-12: College implications(finance, admissions)
Replies: 43
Views: 1523

Re: Can mom get some of her money back or avoid surrender ch

tbradnc, whether you are able to get them to recompense your mother or not, definitely roll over her IRA to Vanguard. I recommend the Vanguard Target Retirement Income Fund (VTINX). It is 30% equities / 70% fixed and includes TIPS and international with an expense ratio of 0.17%.
by ShortStop
Mon Dec 05, 2011 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can mom get some of her money back or avoid surrender charge
Replies: 44
Views: 1909

Re: Foreign Tax Form 1116 questions

And given that you are told not to follow common sense there, you might reasonably do the same for the year of the taxes, and apportion your tax payments in 2010 according to your 2010 state income taxes, even if some of them were payments made for other years. Okay, given all that, it looks like I...
by ShortStop
Fri Jan 28, 2011 11:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Foreign Tax Form 1116 questions
Replies: 12
Views: 4244

Re: Foreign Tax Form 1116 questions

Only after you fill out your state tax form for 2010 will you know how much of your state income taxes relate to your foreign income. And if you paid 2009 state tax in April 2010, that state tax is not related to your 2010 foreign income at all, but it could be related to your 2009 foreign income. ...
by ShortStop
Fri Jan 28, 2011 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Foreign Tax Form 1116 questions
Replies: 12
Views: 4244

Re: state income taxes paid Since your state does not exempt foreign source income from taxation, a portion of your state tax liability may be definitely related to your foreign source income . You need to perform calculations per the instructions above and put the resulting amount on line 2 of For...
by ShortStop
Fri Jan 28, 2011 10:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Foreign Tax Form 1116 questions
Replies: 12
Views: 4244

kaneohe wrote:Q1. You should use the Foreign Income number.

Thanks. That's what I'll do.
by ShortStop
Fri Jan 28, 2011 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Foreign Tax Form 1116 questions
Replies: 12
Views: 4244

Foreign Tax Form 1116 questions

Okay, since this is the first year I'm over the $300 limit, I need to fill out Form 1116 for the foreign tax credit. I have been reading the form instructions (2010) and Publication 514 (2009), and have been playing with TurboTax (the free download, thank you Vanguard), and by now I have figured out...
by ShortStop
Thu Jan 27, 2011 10:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Foreign Tax Form 1116 questions
Replies: 12
Views: 4244

I pay a mortgage of 1600 per mo. The principal payment is 1200 and intt 400. The 400 is clearly an expense. Is the 1200 a saving OR neither saving nor expense. I also pay more than minimum towards my mortgage. How to account for that. If it were me, I would count all of the payment as part of the A...
by ShortStop
Sat Dec 18, 2010 7:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Survey: Please list your financial "stats"
Replies: 36
Views: 5193

Mid 50s, single, no dependents ---------------------------------------------------- X = Gross Annual Income (excluding income taxes) 0.64 X = Annual Expenses (excluding income taxes) 0.36 X = Total Annual Savings 0 X = Annual Savings to Tax Deferred Accounts (excluding reinvestments) 0.36 X = Annual...
by ShortStop
Sat Dec 18, 2010 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Survey: Please list your financial "stats"
Replies: 36
Views: 5193

If I were deciding to clean up my taxable accounts (funds and individual stocks) I would do the following (this is cobbled together from many sources): 1. Turn off all automatic reinvestments of dividends and capital gains from the assets you want to sell. Take them in cash. You don't want to be buy...
by ShortStop
Tue Aug 05, 2008 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing indexing -- how to deal with current stock holdings
Replies: 26
Views: 5053

A guy dies and meets St. Peter who tells him, "Look, you've lived a good life, we do things a little differently than what you'd expect. I'm going to let you choose where you'd like to spend eternity. Hear me out, spend a day or two in heaven and in hell and then decide for yourself." The ...
by ShortStop
Mon Jul 28, 2008 1:59 pm
 
Forum: Personal Consumer Issues
Topic: OT: Joke thread!
Replies: 183
Views: 52191

plake15 For the IRS you have to list your lottery winnings on the 1040 form, I think line 21 for other income. Then later you list the federal taxes withheld which includes the lottery withholding. Most people would probably get a small refund. As for state taxes, the New Jersey example looks like a...
by ShortStop
Wed Jun 18, 2008 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: Taxes and winning a large lottery prize
Replies: 19
Views: 3327

Vanguard just answered me as follows: "You may request voluntary withholding on nonretirement accounts for dividends and capital gains only. We cannot withhold on redemptions. We will withhold on both dividends and capital gains, not one or the other. "We will only withhold on dividends an...
by ShortStop
Mon May 19, 2008 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Voluntary Withholding
Replies: 4
Views: 1660

Voluntary Withholding

Does anyone know if it is possible for Vanguard to withhold voluntary federal and state taxes from a taxable account? I am paying estimated taxes on my dividends and think it would be easier if I could direct Vanguard to make specific withholding payments (a particular dollar amount on a particular ...
by ShortStop
Sat May 17, 2008 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Voluntary Withholding
Replies: 4
Views: 1660

Thanks for the info. Now I'll have to adjust my almost-done taxes. I shouldn't have been in such a hurry.

ShortStop
by ShortStop
Mon Jan 14, 2008 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1099-DIV Discrepancy
Replies: 4
Views: 1355

1099-DIV Discrepancy

When I checked my 1099-DIV online I found that the amount for my FTSE All-World Ex-USA fund was different from my year-end statement. As an example, let's say my statement said my FTSE dividend was $2,000. The 1099-DIV said my FTSE dividend was $2,100 with $100 foreign tax paid. Is this how they nor...
by ShortStop
Mon Jan 14, 2008 12:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1099-DIV Discrepancy
Replies: 4
Views: 1355

Vanguard Online Problem

For the last couple of days when I try to get my beneficiary information from my Account Profile page it keeps telling me "Page Not Found". Is anyone else having this problem?
by ShortStop
Sun Oct 21, 2007 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Online Problem
Replies: 2
Views: 789

Thank you. The Fairmark site was especially helpful.

ShortStop
by ShortStop
Mon Jul 23, 2007 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: Roth 5-Year Holding Period??
Replies: 3
Views: 1421

Roth 5-Year Holding Period??

In IRS Publication 590 where it talks about qualified (as in tax-free) Roth distributions, it states there must be a 5-year holding period for the Roth IRA before withdrawals can be made without penalty. When does the 5-year clock start? When I first open a Roth, any Roth? What if I roll over a Fide...
by ShortStop
Mon Jul 23, 2007 12:13 pm
 
Forum: Investing - Theory, News & General
Topic: Roth 5-Year Holding Period??
Replies: 3
Views: 1421

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