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Re: Cap Gains & Divs killed me this year

IIRC, our V Total stock market had no capital gains and all or almost all dividends were Qualifed, so minimal tax consequences. Some actively managed funds seem to have more Capital Gains distributed and more dividends. Several of my Vanguard index funds had non-qualified dividends. VSMAX, VSIAX an...
by bru
Tue Feb 17, 2015 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Cap Gains & Divs killed me this year
Replies: 61
Views: 5844

Re: Should I sell individual stocks

Think her grandmother owned them because they were good dividend stocks. They are, especially AT&T. Assuming your cost basis is at or lower than what they trade at today. I'm no expert and I do own some individual stocks which I hold on to because selling would be an accounting semi=nightmare. ...
by bru
Tue Feb 17, 2015 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell individual stocks
Replies: 9
Views: 560

Re: Not clearing snow from driveway

One reason I bought the house I did was because it faces west (technically slightly north of west). My previous house faced due north and would not get enough sun to do any melting. I shovel my driveway, kind of obsessively, and the sun (when we have it) also helps keep my driveway clear.
by bru
Tue Feb 17, 2015 10:57 am
 
Forum: Personal Consumer Issues
Topic: Not clearing snow from driveway
Replies: 81
Views: 5753

Re: Primecap

I posted this article three weeks ago. Got little attention.

viewtopic.php?f=10&t=156360
by bru
Wed Feb 11, 2015 12:31 pm
 
Forum: Investing - Theory, News & General
Topic: Primecap: The Best Stock Pickers You've Never Seen
Replies: 32
Views: 2576

Re: AAPL

2/10/15 Record high close for AAPL, $122.02/sh. Market cap exceeds 700 Billion. First American company to do it.
by bru
Wed Feb 11, 2015 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 209
Views: 45179

Re: Where to put money gifted to infant son?

Pathologyguy- I also thought that a taxable account in my son's name would be effectively a UTMA/UGMA account (presumably because a minor needs a custodian for his/her account). Is there anyone who can verify this for sure? If I wanted to setup an account for him at Vanguard, would I be able to dep...
by bru
Tue Feb 10, 2015 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put money gifted to infant son?
Replies: 14
Views: 1301

Re: Citibank Double Rewards %1+%1 Credit Card

Several threads about this card already, going back to last summer.

viewtopic.php?f=2&t=145785

viewtopic.php?f=2&t=150977

viewtopic.php?f=2&t=150635
by bru
Sat Feb 07, 2015 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Citibank Double Rewards %1+%1 Credit Card
Replies: 30
Views: 2958

Re: Can I get missing credits from previous tax returns

After speaking with an IRS rep on the phone I sent in only the worksheet and form 8812 for both years. No need for a 1040-X. Received a check today. Not too bad considering all the cuts at the IRS.
by bru
Fri Feb 06, 2015 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I get missing credits from previous tax returns
Replies: 5
Views: 699

Re: Vanguard and Turbo Tax

I tried multiple times yesterday and today to click the link "Save now on TurboTax" on the Vanguard TurboTax webpage. I received an error saying something like "There was an unexpected error. Please try again later." I kept trying and finally got through. Once I did, I clicked D...
by bru
Mon Jan 26, 2015 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard and Turbo Tax
Replies: 38
Views: 5143

Re: Vanguard and Turbo Tax

FWIW, the exact same thing is happening to me this morning----I was able to access it from the Vanguard website for awhile this past Saturday, however. What seems confusing/difficult is that having to access TT "directly from the Vanguard website each time" is THE issue----otherwise, if I...
by bru
Mon Jan 26, 2015 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard and Turbo Tax
Replies: 38
Views: 5143

Re: Vanguard and Turbo Tax

Can't get this to work.

I click on "Save now on TurboTax" and I get a webpage error using both IE and Chrome. Anyone had success lately?
by bru
Mon Jan 26, 2015 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard and Turbo Tax
Replies: 38
Views: 5143

Re: Malware problem on new PC

Like many I use Malwarebytes Pro (realtime) along with MSE or Defender depending on OS. Keep in mind that no program is perfect. I had a rather unpleasant experinece last month with a Trojan that MSE could not remove. Neither could MBAM. Supposedly MBAM's separate Rootkit program would have found it...
by bru
Fri Jan 23, 2015 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Malware problem on new PC
Replies: 42
Views: 2696

Primecap: The Best Stock Pickers You've Never Seen

Has this been posted? I've yet to master the search function here. Article about the Vanguard Primecap funds. I like the statistic in the first paragraph. "Stunning wealth" indeed. Primecap is one of my only managed funds. I've owned it for close to 20 years. Wish it had been 30. I'll chec...
by bru
Thu Jan 22, 2015 9:01 pm
 
Forum: Investing - Theory, News & General
Topic: Primecap: The Best Stock Pickers You've Never Seen
Replies: 32
Views: 2576

Using Vanguard's message center

On Vanguard.com I received a message from my new Flagship rep but he didn't send the info he said he would (bad start). I try to respond to his message but can't seem to figure it out. I create the message in reply to his but I see no way to send. Tried a different way by opening his message and the...
by bru
Tue Jan 13, 2015 10:30 am
 
Forum: Investing - Theory, News & General
Topic: Using Vanguard's message center
Replies: 0
Views: 250

Re: There She Said It [Suze Orman recommends Vanguard]

We watch her shows on DVR. We skip several of the segments, typically watch her opening, viewer questions and Can I Afford It. Don't like the How Am I Doing segments. Usually she doesn't say something I don't know but my wife has learned a lot which in and of itself makes it a worthwhile way to spen...
by bru
Tue Jan 06, 2015 11:09 am
 
Forum: Investing - Theory, News & General
Topic: There She Said It [Suze Orman recommends Vanguard]
Replies: 5
Views: 2363

Re: Filing My Taxes With Free File Fillable Forms?

I have used them since they became available. This year I can get TT for free but will still probably go with FFF. Its like dong taxes by hand, which I've done since the first year I had to file. My taxes are fairly routine. Schedule D, Occasionally Schedule A and a few forms. Didn't someone once sa...
by bru
Mon Jan 05, 2015 10:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Filing My Taxes With Free File Fillable Forms?
Replies: 8
Views: 947

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

Had to wait until there was a positive guess before mine. Karma you know.

2219.04
by bru
Mon Jan 05, 2015 9:10 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19910

Re: Why a Boglehead doesn't invest in individual companies?

I own quite a few individual stocks. The majority of them were initially acquired many years ago and have been added to through DRIPs. I also own stock in a former employer acquired through an ESPP. Otherwise, the only stock I bought within the last decade was AAPL. All told I think my individual st...
by bru
Mon Jan 05, 2015 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why a Boglehead doesn't invest in individual companies?
Replies: 142
Views: 15990

Re: Why did gas mileage recently drop on my older CRV?

Ketawa wrote:Calculate your mileage using your odometer and the amount of gas pumped at the station. Don't rely on the onboard electronics.

By hand is the only way to calculate mileage for an '02 CR-V.
by bru
Thu Dec 25, 2014 9:11 pm
 
Forum: Personal Consumer Issues
Topic: Why did gas mileage recently drop on my older CRV?
Replies: 50
Views: 3405

Re: Can I get missing credits from previous tax returns

So you think I should file 1040-X rather than completing the forms they sent and returning those? Looking at the dates they sent me the form in March of 2014 for 2013 taxes and it just says to complete the forms and return and a refund will be issued in 6-8 weeks. Because the tax year has closed I s...
by bru
Wed Dec 24, 2014 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I get missing credits from previous tax returns
Replies: 5
Views: 699

Can I get missing credits from previous tax returns

The last two tax years (2012, 2013) I received a letter from the IRS shortly after my taxes were filed staing that I may qualify for a refund based on the Additional Child Tax Credit. They included a couple of forms (worksheet and for 8812) and said to fill them out and return. I went through the ex...
by bru
Wed Dec 24, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I get missing credits from previous tax returns
Replies: 5
Views: 699

Flagship

Made it today.

I have assets at a few other insititutions besides Vanguard so if I had consolidated it would have happened a while ago.
by bru
Wed Dec 17, 2014 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flagship
Replies: 22
Views: 3042

Re: 10% off Target GiftCards - Black Friday Preview

Just saw this thread. I took advantage of this deal to use my old Target GCs to buy new physical GCs at a 10% discount. It was a balancing act and a race against time because you could only use (I think) four GCs to pay so I had to make sure I was using them efficiently. I did my transcactions and h...
by bru
Tue Dec 16, 2014 1:22 pm
 
Forum: Personal Consumer Issues
Topic: 10% off Target GiftCards - Black Friday Preview
Replies: 35
Views: 6168

Re: Should we keep all bonds in inherited tIRA?

One is from my Father that has a RMD rate based on his age, so it has a much larger RMD requirement. How were you able to do this? I thought any non spousal inherited IRAs had to go by the new owner's lifespan to calculate the RMD. I inherited my father's IRA and I am fairly certain the RMD is base...
by bru
Tue Dec 16, 2014 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Should we keep all bonds in inherited tIRA?
Replies: 7
Views: 564

Re: help! suspicious call asking about my SS application

Contact the SSA. Best thing to do is to contact the SSA -- this is from their website Generally, we do not publish the phone numbers of our local offices. You can call us toll-free at 1-800-772-1213 (TTY 1-800-325-0778). Be prepared for a long wait. My wife recently got a call from SSA to tell her ...
by bru
Fri Dec 12, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: help! suspicious call asking about my SS application
Replies: 12
Views: 1457

FT Article: Vanguard turns firepower on...

In addition to discussing their new financial advisory services there are some pretty eye popping numbers in terms of assets under management. "Vanguard turns firepower on shake-up of financial advice market" http://www.ft.com/cms/s/0/c353e40a-7c97-11e4-aa9c-00144feabdc0.html#axzz3LKkU2yTU...
by bru
Mon Dec 08, 2014 1:57 pm
 
Forum: Investing - Theory, News & General
Topic: FT Article: Vanguard turns firepower on...
Replies: 3
Views: 1439

Re: Vanguard offers login security code

Soon I will have unlimited texts but for now I pay for each. How would GV work with this? I'd have to check my GV account for the code? Seems a bit cumbersome. I'm not comlaining per se since I really don't have too much concern regarding security, just wondering how someone with text service can be...
by bru
Sat Dec 06, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 18715

Re: Would you move/stay for better school district?

A top rated school district is a definite plus for the value of your home long term. From what I have been told by and large if an elementary school is located within a neighborhood it performs well because it has high parental participation. Our house is in a very funny location in our school dist...
by bru
Wed Dec 03, 2014 10:54 pm
 
Forum: Personal Consumer Issues
Topic: Would you move/stay for better school district?
Replies: 55
Views: 4808

Re: tipping rubbish pickup people and letter carriers

I do not tip the people responsible for either of the services the OP mentions. It could get expensive since there are at least three, garbage, recycling and yard waste. Nor do I tip the newspaper delivery person. Her service has been so erratic over the years I can't see rewarding her. Or maybe my ...
by bru
Wed Dec 03, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: tipping rubbish pickup people and letter carriers
Replies: 56
Views: 3806

Re: Help with too much cash

Salary: $125,000-160,000+ Cash: $90,000 Monthly expenses are $3-4K. What can I do with the cash? Pay off home? Invest in Stocks when the market drops 10 percent? Invest in bonds fund and then switch to Stock index when the market drops? Thanks for the help. edit: Nevermind. Not sure what I was thin...
by bru
Mon Dec 01, 2014 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with too much cash
Replies: 13
Views: 1387

Re: Apple Stock - Seems great, right?

This past year I'm up about $350k from my Apple stock (over 50% appreciation). I consider myself a wannabe boglehead but majority of my savings are in Apple stock. I must hold until June to wait for long term status to kick so i'll save about 20% taxes which is significant. I wish I had the guts to...
by bru
Mon Nov 24, 2014 11:22 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 11487

Re: Help: Three Fund Portfolio at Fidelity

Use the Spartan Total Stock Index and the Spartan US bond Index at Fidelity because these are essentially identical to the Vanguard versions. Use Vanguard's Total International Index because it is more complete than the Fido funds. If you must hold international at Fido, use the Spartan Global Exce...
by bru
Sun Nov 23, 2014 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 36
Views: 4296

Re: Apple Stock - Seems great, right?

Every person has their own individual level of risk tolerance. There are fewer "I made a bunch of money on XYZ" threads because they're not as dramatic as losing 93% of your retirement assets. The problem is that a success is a success until it's not. What about AAPL's massive pullback fr...
by bru
Fri Nov 21, 2014 9:08 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 11487

Re: Apple Stock - Seems great, right?

I was merely pointing out that it's pretty easy to come on a message board and tout all the great picks you made... and noting that I'd take those with a grain of salt without proof. I didn't come on a message board to "tout" anything. I posted in two different threads about AAPL. In the ...
by bru
Fri Nov 21, 2014 8:41 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 11487

Re: Vanguard launches new offering ... [Vanguard merchandise

Many of us got a free Vanguard T-Shirt a few years back. Now they are charging?? So much for any more freebies.
by bru
Thu Nov 20, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 16020

Re: What to prepare for first baby due next month?

Have a 2 yr. old and my wife and me are both physicians and we both will EASILY admit being a first time parent is MUCH harder then any year of education or residency training we have had. Then I should have gone to medical school. Maybe being a later in life parent clouded my recollection but we r...
by bru
Thu Nov 20, 2014 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to prepare for first baby due next month?
Replies: 55
Views: 6918

Re: Apple Stock - Seems great, right?

I'm patiently waiting for this thread on AAPL to be a repeat of the GTAT thread :twisted: I also would love to see some trade confirms posted by all the people touting their great picks... and if somehow possible, proof of there not being any stocks they bet on that didnt do so hot. I figured there...
by bru
Thu Nov 20, 2014 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 11487

Re: Apple Stock - Seems great, right?

There are numerous threads floating around about AAPL. Some going back several years, some more recent. I posted in this one and got raked over the coals. It seems people don't mind having long discussions about individual stock disasters but don't want to hear about the successes. Whatever. http://...
by bru
Thu Nov 20, 2014 2:14 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 11487

Re: Which bond fund for a three-fund taxable portfolio?

This WIKI link may help http://www.bogleheads.org/wiki/Placing_cash_needs_in_a_tax-advantaged_account John From that article: "Depending on the interest rate, a typical money market fund yields anywhere from 2% to 5%" How long ago was it written? I think it needs updating. Makes me wonder...
by bru
Wed Nov 19, 2014 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which bond fund for a three-fund taxable portfolio?
Replies: 8
Views: 1728

Re: Heads up best reward credit card I've seen.

An additional 6% off of groceries would be nice. However, I already save 20%-40% by buying my groceries at Aldi's, which does not accept credit cards. 3% on gas year round is nice, but there are other offers out there. I walk to work, so likely wouldn't be able to outpace the $75/year fee too easil...
by bru
Tue Nov 18, 2014 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 11515

Re: Electricity costs going up

Wow, here in Chicago I pay 5.99c/kWh with alternative provider, while ComEd has 7+c/KWh rate. Did not realize the discrepancy is so huge across the country. This is way more than cost of gas difference, nearly 3x. What provider gives you that rate? And how long will you have that rate? Seems to me ...
by bru
Tue Nov 11, 2014 10:54 pm
 
Forum: Personal Consumer Issues
Topic: Electricity costs going up
Replies: 46
Views: 3929

Re: 22, I want to be rich, looking for a high reward fund

You didn't give a timeframe of when you wanted to be rich. And for that matter what your definition of "rich" is. If you invest that $400 every month in to index funds that track the stock market you will most likely get a good yearly return on your money. After 20 years or so you will be ...
by bru
Sat Nov 08, 2014 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22, I want to be rich, looking for a high reward fund
Replies: 67
Views: 6920

Re: Electricity costs going up

My state allows one to pick their own electricity and natural gas suppliers. Many municipalities, with voter approval, did aggregation and got deals with the electricity suppliers. My city did this and got a great deal, 2 years ago. It really protected me from the rising rates, especially this past ...
by bru
Sat Nov 08, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Electricity costs going up
Replies: 46
Views: 3929

Re: ObamaCare vs. Private Insurance??

There is a lot of confusion and misinformation about this topic. Doctors are confused. I should say the office staff is confused and don't realize that patients have policies that would not and could not be accepted by the provider. The doctors are catching on, and you will start to see signs poste...
by bru
Fri Nov 07, 2014 9:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 12301

Re: New vs. Used Honda CRV

5 months later and you are still debating? And I thought I had trouble making decisions. New. Or maybe the HR-V (there's that darn hyphen again) will meet your needs. Smaller than the CR-V, based on the Fit. http://www.forbes.com/sites/matthewdepaula/2014/10/31/will-the-2016-honda-hr-v-could-touch-o...
by bru
Mon Nov 03, 2014 10:19 pm
 
Forum: Personal Consumer Issues
Topic: New vs. Used Honda CRV
Replies: 76
Views: 6766

Re: For a 31.5 year old single guy, how am I doing?

Myself and many here wouldn't have that level of monthly expenses but if you take home $5800 the amount you are spending doesn't seem completely out of whack. At least you aren't spending more than you make. If you can reduce your expenses, all the better. But don't feel guilty that you spend some o...
by bru
Sun Nov 02, 2014 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: how am I doing?
Replies: 36
Views: 4507

Re: IBM: Stock Buybacks Gone Wrong?

So I should sell my IBM stock? And take my profit? A quick search shows IBM beating the S&P over the last 10 years. Even with its recent fall. "Past performance is no guarantee of future results". Brilliant response. People are saying IBM's buyback program didn't work. Seems to me it ...
by bru
Wed Oct 22, 2014 9:12 am
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 66
Views: 5366

Re: IBM: Stock Buybacks Gone Wrong?

So I should sell my IBM stock? And take my profit?

A quick search shows IBM beating the S&P over the last 10 years. Even with its recent fall.
by bru
Tue Oct 21, 2014 9:53 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 66
Views: 5366
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