Search found 13985 matches

by VictoriaF
Tue Jul 28, 2015 6:55 pm
Forum: Investing - Theory, News & General
Topic: TSP May Expand Options
Replies: 5
Views: 534

Re: TSP May Expand Options

So the logic is that people are leaving the TSP for high-cost IRA's, which is bad for them, so let's let them invest in the same high-cost funds through the TSP? Huh? The logic is to let people who enjoy the TSP as is to keep it as is AND to offer some flexibility to those who otherwise would leave...
by VictoriaF
Tue Jul 28, 2015 11:19 am
Forum: Personal Consumer Issues
Topic: Durability of consumer goods
Replies: 42
Views: 2076

Re: Durability of consumer goods

I agree furniture can last forever. At least in the UK antique (Victorian) furniture has fallen out of fashion. Things that would have cost you £1000 20 years ago can now be had for £200 at an auction house. I have a couple of furniture pieces that I bought on garage sales when I first came to Amer...
by VictoriaF
Tue Jul 28, 2015 11:00 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 85
Views: 12036

Re: Improving the TSP [for current participants]

Feds have the pension and the pension supplement and SS eligibility when they opt to collect. If you are a FERS employee retiring shortly after age 62, not filing for SS until 70, pension only (plus investment income) in the 'tween years, that may be a very good window to do Roth conversions, espec...
by VictoriaF
Tue Jul 28, 2015 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Taxable income computation by Vanguard
Replies: 21
Views: 864

Re: Taxable income computation by Vanguard

All matters being considered: Try to maintain the mantra of : Keep It Simple during your decision making process :happy Hey, Toons, this is your and other Bogleheads' fault! I post simple questions, and you make me think of interesting conditions and variations. And once I learn about interesting s...
by VictoriaF
Tue Jul 28, 2015 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Taxable income computation by Vanguard
Replies: 21
Views: 864

Re: Taxable income computation by Vanguard

P.S. I am asking this question in the context of my general financial planning. This is my first full year in retirement with relatively low income from the pensions. Ideally, I would like to use this opportunity to do Roth conversions. However, my traditional retirement account is in the TSP, and ...
by VictoriaF
Tue Jul 28, 2015 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Taxable income computation by Vanguard
Replies: 21
Views: 864

Re: Taxable income computation by Vanguard

Thank you, all! To summarize: - The purpose of this discussion is to estimate how much to sell while being cognizant of what will happen after I sell (forms I will receive, forms I will file, and eventual taxes I will have paid). - My approach to estimating the gains is producing values that are clo...
by VictoriaF
Tue Jul 28, 2015 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Taxable income computation by Vanguard
Replies: 21
Views: 864

Re: Taxable income computation by Vanguard

I checked Form 8949 with which I was not familiar. Page-2 of the form (long term gains) asks to list all purchases of the fund with the corresponding costs. If I don't want to go through all purchases, is there a way to aggregate them and use the average cost? Form 8949 includes a note: Note. You m...
by VictoriaF
Tue Jul 28, 2015 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting For 2016 Medicare Part B Increase
Replies: 14
Views: 1448

Re: Budgeting For 2016 Medicare Part B Increase

Medicare bases the premiums on what the IRS gives them from two years before. The premiums keep going up and I thought I saw an article where it will hit those with lower MAGIs. You can inform them of changes in your income goes down in the meantime. I think you are stuck with the Roth conversion a...
by VictoriaF
Tue Jul 28, 2015 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Taxable income computation by Vanguard
Replies: 21
Views: 864

Re: Taxable income computation by Vanguard

Toons wrote:Yes you will get the cost basis from Vanguard on your 1099-B.
You will have a better idea of estimate when you know the total proceeds of your sale.


I am trying to estimate it now so that I would know how much to sell. I don't want my estimates to be far off.

Victoria
by VictoriaF
Tue Jul 28, 2015 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Taxable income computation by Vanguard
Replies: 21
Views: 864

Re: Taxable income computation by Vanguard

I checked Form 8949 with which I was not familiar. Page-2 of the form (long term gains) asks to list all purchases of the fund with the corresponding costs. If I don't want to go through all purchases, is there a way to aggregate them and use the average cost? Form 8949 includes a note: Note. You ma...
by VictoriaF
Tue Jul 28, 2015 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Taxable income computation by Vanguard
Replies: 21
Views: 864

Re: Taxable income computation by Vanguard

Since these are non-covered shares, VG will only report the gross proceeds to the IRS. You're responsible for the rest (which VG will probably report to you). I found a Vanguard publication stating the following: All sales of mutual funds, most exchange-traded funds (ETFs), and stocks will generate...
by VictoriaF
Tue Jul 28, 2015 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Taxable income computation by Vanguard
Replies: 21
Views: 864

Re: Taxable income computation by Vanguard

I have never sold partial mutual funds in taxable accounts. I have sold all holdings and paid tax on all gains , and I have exchanged funds in tax-deferred accounts, but I have not had a situation in which I had to estimate taxes from a partial sale . I want to sell a part of my Vanguard TSM using ...
by VictoriaF
Tue Jul 28, 2015 6:51 am
Forum: Investing - Help with Personal Investments
Topic: Taxable income computation by Vanguard
Replies: 21
Views: 864

Taxable income computation by Vanguard

I have never sold partial mutual funds in taxable accounts. I have sold all holdings and paid tax on all gains , and I have exchanged funds in tax-deferred accounts, but I have not had a situation in which I had to estimate taxes from a partial sale . I want to sell a part of my Vanguard TSM using t...
by VictoriaF
Mon Jul 27, 2015 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 92
Views: 6953

Re: Credit Card Rewards (Travel)

I would like to caution everyone that there are a lot of risks. I opened 2 accounts with chase and 2 more with 2 other banks. I was then shut down by Chase for 2 years due to activity. Unfortunately, they offer the best programs for my travel plans. I have booked a flight from D.C. to Madrid on Ame...
by VictoriaF
Mon Jul 27, 2015 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 92
Views: 6953

Re: Credit Card Rewards (Travel)

Just thought I would update this post five months later. At that point I had never earned a point/mile in my life. Since then I have booked a trip to Hawaii for $22.44 (2 flights, 8 nights in 3/4 star hotels/resorts, rental jeep) and a trip to Italy and Switzerland for $0.00 (2 one way flights to M...
by VictoriaF
Mon Jul 27, 2015 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 92
Views: 6953

Re: Credit Card Rewards (Travel)

I have been staying away from Chase lately since I hit them hard earlier this year. I'll probably wait at least a few more months before trying to get anything else from them. We'll see. But there are always other options. I still don't have a CSP but I will be waiting for a few months to request i...
by VictoriaF
Mon Jul 27, 2015 1:32 pm
Forum: Personal Consumer Issues
Topic: Asking for separate checks?
Replies: 71
Views: 4923

Re: Asking for separate checks?

The options described in this thread include: 1. Everyone gets a bill, the bills are equal 2. Everyone gets a bill based on their order 3. One person pays, others pay him equal amounts 4. One person pays, others pay him amounts based on their order 5. The one who invites pays for everyone Each of th...
by VictoriaF
Mon Jul 27, 2015 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 92
Views: 6953

Re: Credit Card Rewards (Travel)

I believe the five card rule only applies to the Sapphire Preferred and Freedom. I have heard several reports of people being approved for cobranded cards, business cards, etc. with 10+ new accounts. As I recall, the reports in FlyerTalk were mixed. Some people received co-branded cards, some did n...
by VictoriaF
Mon Jul 27, 2015 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 92
Views: 6953

Re: Credit Card Rewards (Travel)

Got the CSP and SW for 40K and 50K in points. Also received the Cap venture and City thank you for 50K @. Satisfied spend on all in less than 60 days. Way more credit limit that I needed/wanted. So I know income is not the issue. Then I heard about the SW Plus to get me to the magic 110K and the fr...
by VictoriaF
Mon Jul 27, 2015 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting For 2016 Medicare Part B Increase
Replies: 14
Views: 1448

Re: Budgeting For 2016 Medicare Part B Increase

2. Does Medicare gets one's AGI from the IRS every year? Or, once Medicare starts charging higher premiums, the onus is on the recipient to prove that her income has decreased? I am planning Roth conversions and the answers to these questions affect my planning. Thank you. Victoria 2. The informati...
by VictoriaF
Mon Jul 27, 2015 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting For 2016 Medicare Part B Increase
Replies: 14
Views: 1448

Re: Budgeting For 2016 Medicare Part B Increase

1. Is the cut-off for high-income Part B premiums always $85,000, or it increases every year? 2. Does Medicare gets one's AGI from the IRS every year? Or, once Medicare starts charging higher premiums, the onus is on the recipient to prove that her income has decreased? I am planning Roth conversion...
by VictoriaF
Mon Jul 27, 2015 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 92
Views: 6953

Re: Credit Card Rewards (Travel)

I would like to caution everyone that there are a lot of risks. I opened 2 accounts with chase and 2 more with 2 other banks. I was then shut down by Chase for 2 years due to activity. Unfortunately, they offer the best programs for my travel plans. I agree that one should exercise caution with ope...
by VictoriaF
Wed Jul 22, 2015 5:13 pm
Forum: Personal Consumer Issues
Topic: How to pay taxes on blog income?
Replies: 53
Views: 3680

Re: How to pay taxes on blog income?

Slightly off topic but I looked into having my own blog as a friend told me that he was doing this. I started to look into how this was done. If you really want to make money, its all about getting traffic to your blog. One way some bloggers use is to make a controversial statement and then get a t...
by VictoriaF
Wed Jul 22, 2015 3:49 pm
Forum: Personal Consumer Issues
Topic: How to pay taxes on blog income?
Replies: 53
Views: 3680

Re: How to pay taxes on blog income?

Should OP consider getting a separate checking account/payment card to avoid commingling business and personal transactions and make filing easier? The OP's head is spinning! I am grateful and overwhelmed. Here is the timeline leading to this thread: - April-May 2015: I thought of a unique topic at...
by VictoriaF
Wed Jul 22, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: How to pay taxes on blog income?
Replies: 53
Views: 3680

Re: How to pay taxes on blog income?

haven't purchased them but the Oblivious Investor has some books on this, and honestly the guidance on turbotax as well as the IRS's own website is not bad when it comes to understanding business expenses. I've been running a sole proprietorship in addition to wage income for the last 8-9 years. (D...
by VictoriaF
Wed Jul 22, 2015 8:20 am
Forum: Personal Consumer Issues
Topic: How to pay taxes on blog income?
Replies: 53
Views: 3680

Re: How to pay taxes on blog income?

Whether or not you receive a 1099, it doesn't really matter. You treat it the same way, with income and expenses (web hosting cost, blogging for dummies book) on schedule C, and paying tax on the net income. This is assuming your blog doesn't have a LLC or S-corp. :) I will be a "sole propriet...
by VictoriaF
Wed Jul 22, 2015 8:05 am
Forum: Personal Consumer Issues
Topic: How to pay taxes on blog income?
Replies: 53
Views: 3680

How to pay taxes on blog income?

I am planning to start a blog. While my reasons for the blog are personal ambitions, I am also considering advertising that would generate income. How is such income taxed? Do advertisers send Form 1099? Is it self-reported similarly to tips?

Victoria
by VictoriaF
Tue Jul 21, 2015 9:31 pm
Forum: Personal Consumer Issues
Topic: How to get a job as a software developer?
Replies: 39
Views: 3523

Re: How to get a job as a software developer?

From my previous post: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=160214 I spent almost 4 months study SQL programming and Java. I like it so much that I spent 3-4 hours a night doing it since March. I think I am ready to get a job doing SQL and Java so I get more practice. Unfortuna...
by VictoriaF
Tue Jul 21, 2015 9:28 pm
Forum: Personal Consumer Issues
Topic: Recommend a magazine with good writing like the New Yorker
Replies: 53
Views: 3290

Re: Recommend a magazine with good writing like the New Yorker

Economist. From time-to-time, our postal person mis-delivers our subscription to another address, and I go into a deep funk until it finds its way home. Some of the best writing comes from the caption writers, the "punsters" on the photo inserts. Captured irony, as it were. Only folks who...
by VictoriaF
Tue Jul 21, 2015 2:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft surpasses 40,000 posts!
Replies: 74
Views: 4848

Re: livesoft surpasses 40,000 posts!

OZAR wrote:Has LIVESOFT ever made an appearance at a Bogleheads conference?


Nope, but he is very welcome.

Victoria
by VictoriaF
Tue Jul 21, 2015 2:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft surpasses 40,000 posts!
Replies: 74
Views: 4848

Re: livesoft surpasses 40,000 posts!

ofcmetz wrote:Most people don't know this but livesoft is a computer program that Taylor and Mel developed while on vacation together one July many years ago.


Have they also developed microsoft?

Victoria
by VictoriaF
Tue Jul 21, 2015 2:21 pm
Forum: Personal Consumer Issues
Topic: Recommend a magazine with good writing like the New Yorker
Replies: 53
Views: 3290

Re: Recommend a magazine with good writing like the New Yorker

OP here - I used the read the Economist a fair amount, and will definitely reconsider it now that you all have rekindled my interest in it. I do recall though, one minor gripe I had about it was that the articles were generally quite short. Like no articles longer than 3 pages, as I recall, and a l...
by VictoriaF
Mon Jul 20, 2015 8:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft surpasses 40,000 posts!
Replies: 74
Views: 4848

Re: livesoft surpasses 40,000 posts!

As I mentioned earlier, with 100 more posts livesoft will have his 40.1k

Victoria
by VictoriaF
Mon Jul 20, 2015 4:20 pm
Forum: Personal Consumer Issues
Topic: Recommend a magazine with good writing like the New Yorker
Replies: 53
Views: 3290

Re: Recommend a magazine with good writing like the New Yorker

While as a science person, I definitely understand all the reasons why this is a good thing, for my personal reading, I find I do prefer having personal insights, like how the issues discuss directly impact and affect individuals and their emotions, even if it's not representative of the whole. In ...
by VictoriaF
Mon Jul 20, 2015 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 78
Views: 10968

Re: Lucent offering pension buyout to retirees: what to do?

I am also covered by the Management Pension. So the Term Insurance remains in effect if we take the Lump, correct ?? I am pretty sure, it's the case. I've been frequenting this Website over the years. There's a good PowerPoint by Frank Mintner on our current topic..... http://www.lucentretirees.com...
by VictoriaF
Mon Jul 20, 2015 3:00 pm
Forum: Personal Consumer Issues
Topic: Recommend a magazine with good writing like the New Yorker
Replies: 53
Views: 3290

Re: Recommend a magazine with good writing like the New Yorker

While as a science person, I definitely understand all the reasons why this is a good thing, for my personal reading, I find I do prefer having personal insights, like how the issues discuss directly impact and affect individuals and their emotions, even if it's not representative of the whole. In ...
by VictoriaF
Mon Jul 20, 2015 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 78
Views: 10968

Re: Lucent offering pension buyout to retirees: what to do?

RE : Term Life Benefit I noticed in the earlier mailing entitled "Program Announcement" on Page 5 the Ancillary Death Benefit Payment is reduced significantly and included in the Lump Sum Number sent last week. I hope I am interpreting this correctly. Thank you, FiveDriver, This section i...
by VictoriaF
Mon Jul 20, 2015 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 78
Views: 10968

Re: Lucent offering pension buyout to retirees: what to do?

My State exempts a large portion of Pension Income, I don't think Insurance Annuity Income would get the same favorable treatment. Depends on your state's rules and whether it's a qualified or non-qualified annuity. My Pru annuity created from my GM pension is qualified and exempt in MI. Your case ...
by VictoriaF
Mon Jul 20, 2015 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 78
Views: 10968

Re: Lucent offering pension buyout to retirees: what to do?

My State exempts a large portion of Pension Income, I don't think Insurance Annuity Income would get the same favorable treatment. Depends on your state's rules and whether it's a qualified or non-qualified annuity. My Pru annuity created from my GM pension is qualified and exempt in MI. Your case ...
by VictoriaF
Mon Jul 20, 2015 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 78
Views: 10968

Re: Lucent offering pension buyout to retirees: what to do?

My State exempts a large portion of Pension Income, I don't think Insurance Annuity Income would get the same favorable treatment. I am also delaying SS and plan on doing Roth Conversions as appropriate. This is an important consideration. It does not apply to me, but the OP and others reading this...
by VictoriaF
Mon Jul 20, 2015 2:03 pm
Forum: Personal Consumer Issues
Topic: Recommend a magazine with good writing like the New Yorker
Replies: 53
Views: 3290

Re: Recommend a magazine with good writing like the New Yorker

The OP did not specifically state that he/she was seeking recommendations for left wing publications but all of the suggestions have been such. As a counterpoint to those publications I'd recommend the American Spectator. From Wikipedia about The American Spectator : In 2013, the magazine reverted ...
by VictoriaF
Mon Jul 20, 2015 1:45 pm
Forum: Forum Issues and Administration
Topic: Not getting some email notifications
Replies: 8
Views: 774

Re: Not getting some email notifications

In the past few days, I've received several PMs. For some of them I had a prompt notification, for the others I have never received a notification. I checked my spam filter and the notifications were not there.

Victoria
by VictoriaF
Mon Jul 20, 2015 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 78
Views: 10968

Re: Lucent offering pension buyout to retirees: what to do?

If I've over-looked something fundamental here, please chime in. But I'm seriously considering rejecting the Lump and continuing the Monthly Deposits. Tax management is an important consideration when evaluating ALU's offer. I am delaying taking Social Security until the age of 70 and want to use t...
by VictoriaF
Mon Jul 20, 2015 1:18 pm
Forum: Personal Consumer Issues
Topic: Recommend a magazine with good writing like the New Yorker
Replies: 53
Views: 3290

Re: Recommend a magazine with good writing like the New Yorker

cfs wrote:
VictoriaF wrote:
cfs wrote:Two

I recommend Atlantic Monthly and The Economist.

And wow, I just noticed the post from Lifesoft -- his number 40,000.


Are you also recommending the LifeSoft magazine?

Victoria

Or LifeSoft 40k Plus


With 100 more posts, lifesoft's count will become 40.1k.

Victoria
by VictoriaF
Mon Jul 20, 2015 1:05 pm
Forum: Personal Consumer Issues
Topic: Recommend a magazine with good writing like the New Yorker
Replies: 53
Views: 3290

Re: Recommend a magazine with good writing like the New Yorker

cfs wrote:Two

I recommend Atlantic Monthly and The Economist.

And wow, I just noticed the post from Lifesoft -- his number 40,000.


Are you also recommending the LifeSoft magazine?

Victoria
by VictoriaF
Mon Jul 20, 2015 12:55 pm
Forum: Personal Consumer Issues
Topic: Recommend a magazine with good writing like the New Yorker
Replies: 53
Views: 3290

Re: Recommend a magazine with good writing like the New Yorker

I highly recommend The Economist. It's not a literary magazine, but it provides a comprehensive long form coverage of the international politics and economics and includes reviews of technology and arts.

Victoria
by VictoriaF
Mon Jul 20, 2015 8:33 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 876
Views: 156423

Re: What Book Are You Currently Reading? Part VI

Fahrenheit 451 It was a pleasure to burn. Felt the themes addressed similar to 1984. The kindle version had lots of 'extra material' about the book. It felt like an abrupt ending when the book finished around 68% through and the rest was about the history of the book, reviews, movies and Ray Bradbu...
by VictoriaF
Mon Jul 20, 2015 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Credit Score Question - Credit Cards
Replies: 37
Views: 2969

Re: Credit Score Question - Credit Cards

Also, I'd recommend having cards from different issuers so you have flexibility for the types of cards a merchant accepts. If your current card is a VISA (which I believe Chase Sapphire cards are), then get a MasterCard, Discover, or American Express as your second card. You never know when you'll ...
by VictoriaF
Mon Jul 20, 2015 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 78
Views: 10968

Re: Lucent offering pension buyout to retirees: what to do?

I'm unfamiliar with "sexless" annuities outside of employer pension plans. You seem to be saying that because you have a TSP account, you can add a lump sum to it and then annuitize that amount in a "sexless" annuity? Outside of employer pension plans, are there other providers ...
by VictoriaF
Mon Jul 20, 2015 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Lucent offering pension buyout to retirees: what to do?
Replies: 78
Views: 10968

Re: Lucent offering pension buyout to retirees: what to do?

I have received the ALU lump sum offer and compared it to the TSP annuities. The TSP calculator shows that to get the same monthly payout from TSP as I am getting from ALU, the lump sum must be 17% higher. There are two main explanations for the discrepancy: (1) sex-based life expectancy and (2) adv...

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