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Re: My Strategy For A Market Crash

Isn't this basically living off withdrawals from fixed income side and re-balancing to equity via reinvestment of dividends? Directionally this is the standard approach for many.
by Sidney
Sat Mar 28, 2015 7:59 pm
 
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 4
Views: 657

Re: Can you really know your AA until you've hit a bear mark

For the people who were invested in both the recessions in the 2000's, how do you compare them psychologically? I think the first one would have been more difficult for me because it was 3 straight years of increasingly negative returns. But the second one was a bigger sudden drop, and people may h...
by Sidney
Sat Mar 28, 2015 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you really know your AA until you've hit a bear market?
Replies: 70
Views: 4593

Re: K-1 tax question

If it isn't refundable, you may be able to claim a credit against your MD tax for the tax paid in DC. Since you are a resident of MD you will include it on your 502.
by Sidney
Sat Mar 28, 2015 4:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: K-1 tax question
Replies: 7
Views: 414

Re: Merging HSA accounts?

I believe that her funds need to remain in an account titled to her.
by Sidney
Thu Mar 26, 2015 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Merging HSA accounts?
Replies: 4
Views: 291

Re: TurboTax does not recognize 1099-S

Just enter the sale on 8949.
by Sidney
Thu Mar 26, 2015 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax does not recognize 1099-S
Replies: 4
Views: 623

Re: Total Intl Dividends

Those of us who prefer not to get dividends wrote a letter to Vanguard and asked them to cut it out.
by Sidney
Thu Mar 26, 2015 2:27 pm
 
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 37
Views: 2923

Re: Ad Valorem tax on new car

[OT comment removed by admin LadyGeek]
by Sidney
Thu Mar 26, 2015 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Ad Valorem tax on new car
Replies: 8
Views: 858

Re: HSA deadline for tax deduction eligibility

My understanding is as long as you had a HDHP for the entire year of 2014, you can designate the full contribution (up to the limits) for tax year 2014 (similar to an IRA contribution). If you weren't covered by that plan for the whole year, you need to pro-rate your contribution for the months tha...
by Sidney
Wed Mar 25, 2015 5:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA deadline for tax deduction eligibility
Replies: 10
Views: 632

Re: International stock dividend cut. Why?

Uncle Pennybags wrote:No return is real until it is realized.


I sold shares in 2014 to pay bills. None of the payees asked where the money came from. Because of losses harvested in 20009 I won't pay taxes on the income. But even if I did, half the value was return of capital and not taxed.
by Sidney
Wed Mar 25, 2015 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 37
Views: 2923

Re: International stock dividend cut. Why?

And less of a hit on US tax.
by Sidney
Wed Mar 25, 2015 7:20 am
 
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 37
Views: 2923

Re: Calculator to determine tax owed on selling mutual fund?

There are several calculators that will do what you want. Turbotax, TaxAct or H&RBlock should do the trick.
by Sidney
Sun Mar 22, 2015 8:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculator to determine tax owed on selling mutual fund?
Replies: 7
Views: 619

Re: Tax implications on cashing out a Lump Sum Pension?

I've got a new Vanguard traditional Ira set up to receive the rollover. I was just doing the math to make sure I understand how it works. The only reason I even considered it was a) it is "free" money just given to me as opposed to investments I'd made and b) the immediate cash flow help ...
by Sidney
Sun Mar 22, 2015 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax implications on cashing out a Lump Sum Pension?
Replies: 7
Views: 485

Re: Do I have to mail in all my personal info again !!!

Check to see if you can upload PDFs to VG through the secure email that is part of your account access (when you are logged in to your account). I'm not certain but I think you can attach files to a secure message to your VG rep.
by Sidney
Thu Mar 19, 2015 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I have to mail in all my personal info again !!!
Replies: 12
Views: 1174

Re: Anyone concerned about their bond holdings?

Michael_Fisher1 wrote:seems like an interest hike may be on the near horizon. some are saying June perhaps

I have hear this rumor since 2008.
by Sidney
Thu Mar 19, 2015 4:36 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 5627

Re: Do I have to mail in all my personal info again !!!

Why not FEDEX them to their offices? Maybe I misread the OP; I read it as you wanting to add her to an account, thereby making it a joint account. This wouldn't be an IRA in that case. Did I miss something? If she wants an IRA at VG and the deadline is short, open an IRA at a local bank, deposit th...
by Sidney
Thu Mar 19, 2015 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I have to mail in all my personal info again !!!
Replies: 12
Views: 1174

Re: Do I have to mail in all my personal info again !!!

Why not FEDEX them to their offices?
by Sidney
Thu Mar 19, 2015 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I have to mail in all my personal info again !!!
Replies: 12
Views: 1174

Re: Tax Loss Accounting & Calculating Returns Accurately

I agree with you on ROI, and it's not really relevant to this conversation; just a metric I use annually among others. What decisions have you made going forward based on this metric? Sydney, it's as I've said. Why do you ask? -- Tet Just curious. I rarely look at historical returns since they don'...
by Sidney
Wed Mar 18, 2015 4:06 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Loss Accounting & Calculating Returns Accurately
Replies: 20
Views: 564

Re: Interest rate hike signaled

powermega wrote:
billyt wrote:More interestingly, bond funds are also increasing in value in response to the news.

I thought that was odd too. Oh well. Ignore the noise and stay the course.

Investors dumped > $6B of bond ETFs prior to the meeting. Oops.
by Sidney
Wed Mar 18, 2015 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Interest rate hike signaled
Replies: 25
Views: 2228

Re: Tax Loss Accounting & Calculating Returns Accurately

tetractys wrote:I agree with you on ROI, and it's not really relevant to this conversation; just a metric I use annually among others.


What decisions have you made going forward based on this metric?
by Sidney
Wed Mar 18, 2015 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Loss Accounting & Calculating Returns Accurately
Replies: 20
Views: 564

Re: Save on capital gain tax

You can open a DAF and donate share to that account.
by Sidney
Wed Mar 18, 2015 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Save on capital gain tax
Replies: 5
Views: 612

Re: Tax Loss Accounting & Calculating Returns Accurately

For example, a rollover occurs on a specific date. But should the tax on the rollover be accounted for on that date, or in the next year when the tax return is filed, or at the end of the year or the beginning of the next year? The same question comes up for just about every tax event. And many mak...
by Sidney
Wed Mar 18, 2015 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Loss Accounting & Calculating Returns Accurately
Replies: 20
Views: 564

Re: Too good to be true? vgenx or vgpmx

Crude approaching $40 again. I suppose we could just as easily see $20 as $80. There seems to be nowhere to store the stuff anymore.
by Sidney
Wed Mar 18, 2015 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Too good to be true? vgenx or vgpmx
Replies: 25
Views: 2775

Re: Tax question I forgot to include the $7 dividends my IRA

rec7 wrote:I know they are not taxable but do you report them each year?


No
by Sidney
Tue Mar 17, 2015 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question I forgot to include the $7 dividends my IRA ear
Replies: 3
Views: 483

Re: Tax question I forgot to include the $7 dividends my IRA

Earnings in an IRA are not taxable until you withdraw money from the IRA.
by Sidney
Tue Mar 17, 2015 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question I forgot to include the $7 dividends my IRA ear
Replies: 3
Views: 483

Re: how often do you check performance?

Timon0201 wrote:checking performance on my portfolio's daily against other funds

Never
by Sidney
Tue Mar 17, 2015 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you check performance?
Replies: 50
Views: 2639

Re: Why the popularity of dividends? What's the counterargum

Here is why I like dividends: 1) It is easier to fake earnings than it is to fake a dividend. 2) Unlike bond payments, you have a good chance that your payments will increase over time and above the rate of inflation. 3) Increasing dividends is a vote of confidence by the Board of Directors in the ...
by Sidney
Sun Mar 15, 2015 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: Why the popularity of dividends? What's the counterargument?
Replies: 70
Views: 4991

Re: Why the popularity of dividends? What's the counterargum

greenfire wrote:My accountant advised me that I should try to live off of dividends because of favorable taxation.

Capital gains are even better because when you create your own cash flow, some of it is return of capital. He should know that.
by Sidney
Sun Mar 15, 2015 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: Why the popularity of dividends? What's the counterargument?
Replies: 70
Views: 4991

Re: If you have real estate investment, reduce bond allocati

My point was, when I look at target allocation, I ignore real estate entirely. I select a bond allocation on stability, liquidity and other considerations. These days, bonds don't really provide much income so they are there largely for liquidity and risk management. The only time I consider the val...
by Sidney
Sun Mar 15, 2015 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: If you have real estate investment, reduce bond allocation?
Replies: 9
Views: 605

Re: Cruise.Com Bait and Switch Tactics

Several friends have taken river cruises with Viking and all have spoken highly of their experience.
by Sidney
Sun Mar 15, 2015 2:57 pm
 
Forum: Personal Consumer Issues
Topic: Cruise.Com Bait and Switch Tactics
Replies: 28
Views: 2949

Re: If you have real estate investment, reduce bond allocati

Real estate isn't liquid. I don't even count it as part of my holdings. If I needed to raise a significant amount of cash in 4-5 days, my rental property would be of no assistance.
by Sidney
Sun Mar 15, 2015 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: If you have real estate investment, reduce bond allocation?
Replies: 9
Views: 605

Re: when did/would you terminate disability insurance?

I had seen more people earning 100K that are unemployed and under-employed after 40 than disable. This is just my own personal observation. Maybe the disabled don't get out as much and you just aren't exposed to them. Disability is a big risk. The loss isn't just the lost income. In many cases it f...
by Sidney
Sun Mar 15, 2015 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: when did/would you terminate disability insurance?
Replies: 35
Views: 2659

Re: Turbotax prices going up March 27

Wonder what the price will be in July?
by Sidney
Thu Mar 12, 2015 11:56 am
 
Forum: Investing - Theory, News & General
Topic: Turbotax prices going up March 27
Replies: 5
Views: 619

Re: Reporting Foreign Tax Credit for Total International (VT

Bustoff wrote:I met all of these conditions as Vanguard Total International Stock Index Fund is my only foreign holding.
Why was a completed Form 1116 still generated ?


If you meet the criteria you can just enter the data directly into the 1040 (or create a worksheet that links to that line).
by Sidney
Fri Mar 06, 2015 9:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Reporting Foreign Tax Credit for Total International (VTIAX)
Replies: 8
Views: 448

Re: Turbo Tax /?estimated taxes payments for 2015 ??

Quarterly estimated payments are entirely optional. If you decide to make them, I recommend setting up an account on EFTPS. It simplifies things considerably.
by Sidney
Fri Mar 06, 2015 8:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax /?estimated taxes payments for 2015 ??
Replies: 18
Views: 1370

Re: Rapid amending of tax return

If the additional 1099 will create a tax liability on your part, you'll want to get the payment in before April 15. An easy way to do that would be send the payment with the 1040X. Even easier, if you like, is right on the IRS web site with Direct Pay. http://www.irs.gov/Payments/Direct-Pay Still n...
by Sidney
Fri Mar 06, 2015 8:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Rapid amending of tax return
Replies: 14
Views: 755

Re: Do I need to amend my taxes?

Technically, no, I believe. I'm not a lawyer but I believe if you consulted one they'd tell you there's no obligation to file a 1040X if you believed your return was complete and correct when you filed it, even if you later discover that's not true. If you're asking whether the entries you describe...
by Sidney
Thu Mar 05, 2015 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need to amend my taxes?
Replies: 12
Views: 1020

Re: Additional 1099 from Vanguard AFTER filing taxes

You will get mixed reactions here. Vanguard has sent several notices that they were converting accounts to brokerage so that shouldn't be a surprise. Most brokers don't send out tax statements until second half of Feb (I got my VG statement in the mail yesterday). There usually isn't a good case to ...
by Sidney
Tue Mar 03, 2015 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Additional 1099 from Vanguard AFTER filing taxes
Replies: 6
Views: 442

Re: LLC or Umbrella insurance?

What is the business activity in the LLC?
by Sidney
Tue Mar 03, 2015 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: LLC or Umbrella insurance?
Replies: 8
Views: 586

Re: Is Yahoo Mail working very slowly???

Firefox had an update recently. That may have either caused or fixed the problem depending on the timing.

I use POP and have not noticed any change in transmission speed between my computer and the server. The problem seems to be in the web version.
by Sidney
Tue Mar 03, 2015 9:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Is Yahoo Mail working very slowly???
Replies: 26
Views: 1371

Re: Is Yahoo Mail working very slowly???

Probably your computer. In my experience, gaming should be kept to a dedicated machine (or a VM). The game sites always seem to slow things down and inject malware.
by Sidney
Tue Mar 03, 2015 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Is Yahoo Mail working very slowly???
Replies: 26
Views: 1371

Re: VEU 3.52% vs. 5 year Treasury 1.58%

John3754 wrote:I never understood the utility of comparing bond yields to stock yields, seems like apples and oranges to me.

There isn't any. They are completely different both in terms of expected returns/risk and tax treatment.
by Sidney
Tue Mar 03, 2015 8:28 am
 
Forum: Investing - Help with Personal Investments
Topic: VEU 3.52% vs. 5 year Treasury 1.58%
Replies: 29
Views: 1822

Re: more TurboTax exasperation--education credit screwups

Can't you just go in and fill out form 8363 and call it a day?
by Sidney
Mon Mar 02, 2015 8:52 am
 
Forum: Personal Finance (Not Investing)
Topic: more TurboTax exasperation--education credit screwups
Replies: 22
Views: 1227

Re: Accidental Roth 401k Distribution into TIRA

Can't you just do a Roth conversion? The basis in your TIRA is probably approximately the same as the FMV -- there would be little if any tax consequence. You would need to file form 8606 to declare the basis both prior to and for the conversion, I think.
by Sidney
Mon Mar 02, 2015 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Accidental Roth 401k Distribution into TIRA
Replies: 4
Views: 331

Re: Saturday, Feb 28 and still UNABLE to import!

This is simply intolerable NOT having the ability to import my 1099's into TurboTax. […] Shame on your Vanguard! I wonder what folks did before there was TurboTax or importing 1099s or the internet??? I used to have to wait for Vanguard to mail me the 1099s. There was no web site (nor web for that ...
by Sidney
Sat Feb 28, 2015 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage 1099 Available
Replies: 44
Views: 3283

Re: Vanguard Brokerage 1099 Available

If you do that much trading, Vanguard probably isn't the place for you anyway.
by Sidney
Sat Feb 28, 2015 10:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage 1099 Available
Replies: 44
Views: 3283

Re: Responses to Yelp Reviews

TravelGeek wrote:
ShiftF5 wrote:Yelp better get a handle on that before it seriously impacts their credibility.


Yelp has credibility? :D

Right. I used them for a while early on but they have become unreliable. I don't use Yelp anymore.
by Sidney
Fri Feb 27, 2015 7:08 am
 
Forum: Personal Consumer Issues
Topic: Responses to Yelp Reviews
Replies: 12
Views: 1488

Re: Responses to Yelp Reviews

Probably the same service that writes the reviews.
by Sidney
Thu Feb 26, 2015 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Responses to Yelp Reviews
Replies: 12
Views: 1488

Re: Form 1116 country of origin

I read in this article that H&R Block has customer support. Have you contacted them? Or are you afraid that they are some fly-by-night company and will give you a bogus answer? Or perhaps you stole the software and do not want to check with customer support? Seriously, why haven't you contacted...
by Sidney
Wed Feb 25, 2015 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Form 1116 country of origin
Replies: 11
Views: 417
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