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Re: Emerging Markets: making up 5% of your equities?

This thread has been over the river and through the woods...maybe it is time to get to grandmother's house. :wink: I'd like to back up to the original question - about having 5% of your equities in emerging markets. I think it is simply the wrong question to be asking. I've read that holding any am...
by icedtea
Sun Jul 13, 2014 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3599

Re: Emerging Markets: making up 5% of your equities?

…, I believe that EM took a huge (larger than domestic) hit in 2008. This is why EM is so great in a portfolio: The volatility. One cannot simply buy EM and forget it. One needs to buy EM low and sell high. One can tell what low and high are relative to the rest of their equities simply by setting ...
by icedtea
Sun Jul 13, 2014 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3599

Re: Emerging Markets: making up 5% of your equities?

If you want to educate a young investor like me, try providing constructive input first, not after rude and incredibly thick sarcasm. I did not think it either rude or sarcastic. You listed share price as one criteria. I pointed you to the Admiral class and Investor class of the exact same fund, bu...
by icedtea
Fri Jul 11, 2014 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3599

Re: Emerging Markets: making up 5% of your equities?

How would you compare XXX vs YYY given the difference in ... the price per share? What do you think about VLCAX vs VLACX given that one is at $45.61 and the other is at $36.48? Do you like high prices or low prices? [I know these are not the funds you are looking for, but I would still like your op...
by icedtea
Fri Jul 11, 2014 7:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3599

Re: Emerging Markets: making up 5% of your equities?

How would you compare XXX vs YYY given the difference in ... the price per share? What do you think about VLCAX vs VLACX given that one is at $45.61 and the other is at $36.48? Do you like high prices or low prices? [I know these are not the funds you are looking for, but I would still like your op...
by icedtea
Fri Jul 11, 2014 7:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3599

Re: Emerging Markets: making up 5% of your equities?

livesoft wrote:
icedtea wrote:How would you compare VFSUX vs VSS given the difference in ERs and fees AND the price per share?

You would not compare them because the first is a bond fund and the second is a small-cap international fund.


typo. VFSVX vs VSS
by icedtea
Fri Jul 11, 2014 6:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3599

Re: Emerging Markets: making up 5% of your equities?

I couldn't find an intl small cap fund on Vanguard's site. Is there one? I'm not versed in investing in ETFs so I'd prefer an index mutual fund. Iced Tea VFSVX. I guess the Vanguard web site sucks. Don't pick VFSUX, that's not international small caps. How would you compare VFSUX vs VSS given the d...
by icedtea
Fri Jul 11, 2014 6:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3599

Re: Emerging Markets: making up 5% of your equities?

Thanks! What's the rationale for preferring Intl Small Caps vs an Emerging fund? Iced Tea Simple: To take advantage of the small-cap premium. The Vanguard emerging markets index fund is a large-cap fund. I couldn't find an intl small cap fund on Vanguard's site. Is there one? I'm not versed in inve...
by icedtea
Thu Jul 10, 2014 8:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3599

Re: Emerging Markets: making up 5% of your equities?

EM countries represent about 10% of global equities, so even a 5% allocation would be underweight. Is there a reason you are comfortable being underweight EM, especially given the long term trends (e.g., demographics) and current valuations versus the developed countries? I wasn't aware it was abou...
by icedtea
Thu Jul 10, 2014 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3599

Re: Emerging Markets: making up 5% of your equities?

Assuming my quick math is OK you presently have $135,000 in VTIAX (Total International) spread across 2 accounts. VTIAX is 17.9% Emerging Markets making your EM holdings $24,165 at present, or 3.62% at this time. Adding $10K will make your EM holdings $34,165, or 5.1% of portfolio. Personally, I'd ...
by icedtea
Thu Jul 10, 2014 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3599

Re: Emerging Markets: making up 5% of your equities?

I've read that holding any amount of emerging markets less than 5% of your total equities isn't going to do very much in terms of helping soften potential falls in US equities . I believe you are referring to a potential diversification benefit in holding a dedicated EM allocation. A quick look at ...
by icedtea
Thu Jul 10, 2014 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3599

Re: Emerging Markets: making up 5% of your equities?

Bingo! Perhaps you would like to buy a small-cap emerging markets fund with your $10,000 instead of buying VEMAX? Can you direct me to some info on the implications of holding small-cap emerging vs VEMAX? I presume there's likely a lower correlation between US equities and small-cap emerging than U...
by icedtea
Wed Jul 09, 2014 11:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3599

Re: Emerging Markets: making up 5% of your equities?

Follow up (the flip side of livesoft's question): how else could you increase your emerging market exposure without buying "Emerging Markets"? Another option would be to convert US equities indexes to VTIAX in my non-taxable accounts since VTIAX has 14% emerging. Not sure that's the right...
by icedtea
Wed Jul 09, 2014 10:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3599

Re: Emerging Markets: making up 5% of your equities?

Can you tell us what fraction of your portfolio is ALREADY in emerging markets? According to Morningstar, VFWAX and VTIAX have about 14-14.5% emerging so that amounts to $22,500 for me. If I combine that $22,500 with the $10k for VEMAX, that amounts to roughly 6% of my total equities. So, I guess I...
by icedtea
Wed Jul 09, 2014 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3599

Emerging Markets: making up 5% of your equities?

I've been raising money to buy VEMAX. I now have the $10k to buy the min shares. $10k in VEMAX is going to make up about 2% of my equities in my portfolio. I've read that holding any amount of emerging markets less than 5% of your total equities isn't going to do very much in terms of helping soften...
by icedtea
Wed Jul 09, 2014 10:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets: making up 5% of your equities?
Replies: 47
Views: 3599

Re: How much do you contribute to your HSA?

My HSA is in 2 parts: Enough cash at HSABank to avoid any fees and the rest at TDAmeritrade invested in the Vanguard short-term corporate bond index fund (also without fees). The idea is to (a) not pay any fees and (b) just have it as part of my fixed income asset allocation. I haven't thought abou...
by icedtea
Tue Jun 17, 2014 10:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you contribute to your HSA?
Replies: 17
Views: 937

Re: How much do you contribute to your HSA?

Once you incur some out-of-pocket medical expenses, you can reimburse yourself for them from your HSA -- years after the fact. In the meantime, the account grows tax-free. Not tax-deferred -- tax-free. So I contribute the maximum to the HSA every year, and pay the medical bills from the regular che...
by icedtea
Tue Jun 17, 2014 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you contribute to your HSA?
Replies: 17
Views: 937

Re: How much do you contribute to your HSA?

OP here. I read an interesting article about HSAs which states good reasons to max the HSA. http://blogs.reuters.com/shaneferro/2013/07/18/hsas-when-your-health-insurance-becomes-a-retirement-account/ This excerpt makes me wonder: If I know I'm going to have say $1000 in eligible medical expenses in...
by icedtea
Tue Jun 17, 2014 10:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you contribute to your HSA?
Replies: 17
Views: 937

Re: How much do you contribute to your HSA?

livesoft wrote:I contribute the max allowed by law. I have never withdrawn any money from my HSA since I started it a few years ago.


Is your long-term plan to save in your HSA for use in retirement, if you don't need to spend the funds sooner? I assume that would be the long game for maxing an HSA.
by icedtea
Tue Jun 17, 2014 9:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you contribute to your HSA?
Replies: 17
Views: 937

How much do you contribute to your HSA?

My new employer only offers one medical insurance plan, and it has a $2000 deductible. The company also offers an HSA and contributes $1,000 per year for eligible out of pocket expenses. I've never had a high deductible plan and an HSA before. I always had a low deductible plan and an FSA. I was doi...
by icedtea
Tue Jun 17, 2014 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you contribute to your HSA?
Replies: 17
Views: 937

New job: Trying to decide on tax exemptions and withholding

I've been electing single-zero for federal and NY state for years. About two years ago I owed over $500 to NY so I elected to withhold $48 per paycheck. For the 2013 tax year, I ended up receiving a refund of $850 federal and $115 NY. I just started a new job and am deciding what to put on my W-4 an...
by icedtea
Tue Jun 17, 2014 7:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: New job: Trying to decide on tax exemptions and withholding
Replies: 3
Views: 348

Re: Maxed Roth, got a new job, may exceed AGI limit.

Are you already maxing your 401k or are you eligible to participate in an FSA? If not these may allow you to reduce your AGI. Yep, already maxing my 401k and had an FSA with current employer. May get an FSA with new employer but likely will need to wait a few months for eligibility. That will only ...
by icedtea
Sat May 31, 2014 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Maxed Roth, got a new job, may exceed AGI limit.
Replies: 6
Views: 672

Maxed Roth, got a new job, may exceed AGI limit.

I already maxed my Roth but I just got a new job and I may end up with an AGI slightly above 114k this yr. if that is likely, what do I do since tax law states I could only contribute a reduced amount to my Roth?

Iced Tea
by icedtea
Sat May 31, 2014 9:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Maxed Roth, got a new job, may exceed AGI limit.
Replies: 6
Views: 672

Re: Accounting for medical insurance when evaluating job off

You might want to get comparable prices on similar policies. Then you'd know what the cash value of each is. ehealthinsurance.com healthcare.gov Are two websites you can use to run pricing on health insurance policies. healthcare.gov enrollment ended a while ago. How do you run pricing on the site ...
by icedtea
Tue May 27, 2014 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Accounting for medical insurance when evaluating job offer
Replies: 3
Views: 280

Accounting for medical insurance when evaluating job offer

I'm considering a new job at another company. The compensation is on the whole quite good. Mix of salary, performance bonus and commission. This is unique since I work in marketing, not sales. The primary aim of the job is to drive sales of a cloud-based technology product without involvement from d...
by icedtea
Tue May 27, 2014 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Accounting for medical insurance when evaluating job offer
Replies: 3
Views: 280

Re: Emerging markets and intl bonds to diversify portfolio?

OP here. I've decided to buy an emerging markets fund and keep my existing international funds as is. I'm still trying to figure out what percentage of my intl equities I want in emerging markets, however. If my current intl funds have about 17-18% emerging, I'm thinking buying up an emerging market...
by icedtea
Mon May 12, 2014 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emerging markets and intl bonds to diversify portfolio?
Replies: 10
Views: 1039

Emerging markets and intl bonds to diversify portfolio?

I'm interested in getting input on a few considerations to increase the diversification of my portfolio, namely 1) reducing my investment in US equities to invest some in emerging markets, and 2) reducing my investment in US bonds to invest some in intl bonds. I have a relatively simple, lazy portfo...
by icedtea
Sun May 04, 2014 9:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Emerging markets and intl bonds to diversify portfolio?
Replies: 10
Views: 1039

Re: Portfolio Check: 32 yrs old, going to rebalance to 78/22

If you're that set on moving to 78/22, why don't you up your contribution amount into the Fidelity Intermediate Bond until you reach the allocation you desire. Right, that's another way to do it. When it comes down to it, is it just a matter of personal preference? I mean, between making a conversi...
by icedtea
Tue Apr 22, 2014 9:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check: 32 yrs old, going to rebalance to 78/22
Replies: 10
Views: 1072

Re: Portfolio Check: 32 yrs old, going to rebalance to 78/22

Please post using the suggested format... we need to know what percentages you allocate to each account (not just current holdings), your tax rate, etc. First glance - you have a ton of your portfolio in taxable (including International which isn't recommended on this forum). You might want to bump...
by icedtea
Tue Apr 22, 2014 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check: 32 yrs old, going to rebalance to 78/22
Replies: 10
Views: 1072

Portfolio Check: 32 yrs old, going to rebalance to 78/22

I've broken down my portfolio and future contributions below. My current AA is 81/19. I've been thinking of exchanging some stocks to bonds in my old 401k to shift to 78/22. This would be in line with age-10 = bonds. I've been sticking to 81% stocks for the past 12m -- it was an impulse to get a lit...
by icedtea
Tue Apr 22, 2014 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check: 32 yrs old, going to rebalance to 78/22
Replies: 10
Views: 1072

Re: If you leave your job, can you use up your whole FSA?

Nothing about repayment, exactly, but it sounds like they would take the remaining amount out of your last check. I've read up on this also as I'm currently in the process of a job change...everything I've found says you can use it all up and the employer eats the cost. We just spent quite a bit on...
by icedtea
Fri Apr 18, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you leave your job, can you use up your whole FSA?
Replies: 29
Views: 2254

Re: If you leave your job, can you use up your whole FSA?

OP here. Thanks for the posts. One more question. If you incur eligible FSA expenses such as contact lenses or an eye exam before your termination date, but it takes 2-3 weeks for the FSA company to process your claim, can your employer restrict the FSA from reimbursing you once you've terminated em...
by icedtea
Thu Apr 17, 2014 11:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you leave your job, can you use up your whole FSA?
Replies: 29
Views: 2254

Re: If you leave your job, can you use up your whole FSA?

My employer says: "Options at End of Employment: You can have the remainder of your election taken pre-tax on your final paycheck(s); or You can continue your coverage and send payment directly to the [X]." Nothing about repayment, exactly, but it sounds like they would take the remaining...
by icedtea
Thu Apr 17, 2014 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you leave your job, can you use up your whole FSA?
Replies: 29
Views: 2254

Re: If you leave your job, can you use up your whole FSA?

Yes you can; one caveat is that generally you must use up your FSA by your last day (or sometimes the last day of the month) of your employment. So a 4/20 term date means you need to have your receipts on or before 4/20. Etc. Right. What I'm wondering is if by law an employer can demand the employe...
by icedtea
Thu Apr 17, 2014 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: If you leave your job, can you use up your whole FSA?
Replies: 29
Views: 2254

Re: If you leave your job, can you use up your whole FSA?

Yes you can; one caveat is that generally you must use up your FSA by your last day (or sometimes the last day of the month) of your employment. So a 4/20 term date means you need to have your receipts on or before 4/20. Etc. Right. What I'm wondering is if by law an employer can demand the employe...
by icedtea
Thu Apr 17, 2014 10:00 am
 
Forum: Personal Finance (Not Investing)
Topic: If you leave your job, can you use up your whole FSA?
Replies: 29
Views: 2254

If you leave your job, can you use up your whole FSA?

My research shows that if you leave your job during the calendar year, you can use up all your FSA money, even though you haven't paid fully into the plan through regular paychecks. I've done this at two companies, actually, and never heard any complaints from my employers. My question is, if you do...
by icedtea
Thu Apr 17, 2014 12:27 am
 
Forum: Personal Finance (Not Investing)
Topic: If you leave your job, can you use up your whole FSA?
Replies: 29
Views: 2254

Re: Last Minute Help with Foreign Tax Paid and 1099R

If the foreign tax is < $300 (if filing single) or $600 (if filing married) you can enter the tax amount directly on the 1040 on line 47. Right, I know that. That doesn't answer my question #3. I really don't know what TA requires but if your foreign passive income is less than $20K you don't have ...
by icedtea
Tue Apr 15, 2014 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Last Minute Help with Foreign Tax Paid and 1099R
Replies: 12
Views: 407

Re: Last Minute Help with Foreign Tax Paid and 1099R

jebmke wrote:If the foreign tax is < $300 (if filing single) or $600 (if filing married) you can enter the tax amount directly on the 1040 on line 47.


Right, I know that. That doesn't answer my question #3.
by icedtea
Tue Apr 15, 2014 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Last Minute Help with Foreign Tax Paid and 1099R
Replies: 12
Views: 407

Re: Last Minute Help with Foreign Tax Paid and 1099R

I got some help from Tax Act, and this is what they told me. See my inserts in green. Does this all make sense? I was planning to file an extension since I was still waiting for a corrected 1099R but it came in the mail, so I'm filing today. Question 1: I contributed after tax to my 401k last year, ...
by icedtea
Tue Apr 15, 2014 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Last Minute Help with Foreign Tax Paid and 1099R
Replies: 12
Views: 407

Re: Last Minute Help with Foreign Tax Paid and 1099R

Thanks David.

I have two other questions in this thread I'm hoping I can get some help with. Anyone out there can give me a hand? See questions 1 and 2 at the top of the page.
by icedtea
Tue Apr 15, 2014 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Last Minute Help with Foreign Tax Paid and 1099R
Replies: 12
Views: 407

Re: Last Minute Help with Foreign Tax Paid and 1099R

Not knowing how much foreign tax was withheld from your distributions, I am going to punt and suggest completing form 1116. It looks scary but for passive investments in funds (RIC) it is really quite simple. The foreign tax $ listed in the Foreign Tax Paid form is small: $163.55 for one fund and $...
by icedtea
Tue Apr 15, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Last Minute Help with Foreign Tax Paid and 1099R
Replies: 12
Views: 407

Re: Should I be using standard or itemized deduction?

I am assuming you are not a homeowner, so no mortgage interest or property tax. Did you own a car and pay a tax based on value as part of your registration fee? Did you give to charity? There are other deductions that you can only take if they exceed 2% of your AGI. Tax preparation is one of them. ...
by icedtea
Tue Apr 15, 2014 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I be using standard or itemized deduction?
Replies: 10
Views: 896

Re: Last Minute Help with Foreign Tax Paid and 1099R

Bumping this post due to timeliness. I was planning to file an extension since I was still waiting for a corrected 1099R but it came in the mail, so I'm filing today. Question 1: I contributed after tax to my 401k last year, and then rolled over the money to my Vanguard Roth IRA. I entered the 1099R...
by icedtea
Tue Apr 15, 2014 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Last Minute Help with Foreign Tax Paid and 1099R
Replies: 12
Views: 407

Re: Should I be using standard or itemized deduction?

Look at Schedule A Itemized Deductions to see what kinds of deductions you can itemize: http://www.irs.gov/pub/irs-pdf/f1040sa.pdf If your state income taxes are higher than the standard deduction amount, then you can itemize deductions. Take a look to see if you can itemize anything else. Schedule...
by icedtea
Tue Apr 15, 2014 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I be using standard or itemized deduction?
Replies: 10
Views: 896

Should I be using standard or itemized deduction?

I am reviewing my 1040 and line 40 says $7868. I thought I was taking the standard deduction, so why is this amount listed? How do I verify if this is correct? The Deduction Examiner in Tax Act shows: Standard Deduction: 6100 Exemption Allowance: 3900 Itemized deduction: Taxes you paid: $7868 Edit: ...
by icedtea
Tue Apr 15, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I be using standard or itemized deduction?
Replies: 10
Views: 896

Re: Last Minute Help with Foreign Tax Paid and 1099R

Not knowing how much foreign tax was withheld from your distributions, I am going to punt and suggest completing form 1116. It looks scary but for passive investments in funds (RIC) it is really quite simple. The foreign tax $ listed in the Foreign Tax Paid form is small: $163.55 for one fund and $...
by icedtea
Tue Apr 15, 2014 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Last Minute Help with Foreign Tax Paid and 1099R
Replies: 12
Views: 407

Last Minute Help with Foreign Tax Paid and 1099R

I was planning to file an extension since I was still waiting for a corrected 1099R but it came in the mail, so I'm filing today. Question 1: I contributed after tax to my 401k last year, and then rolled over the money to my Vanguard Roth IRA. I entered the 1099R information in Tax Act but it says I...
by icedtea
Tue Apr 15, 2014 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Last Minute Help with Foreign Tax Paid and 1099R
Replies: 12
Views: 407

Re: A few Tax Act questions - nothing too complex

I was able to find answers to my first 2 questions. Any help with #3? 3. This is my first time filing for an extension. I'm aware I need to pay any taxes by April 15th to avoid penalties. I've completed my taxes aside from the questions above, and Tax Act says I'm getting refunds for $851 (federal)...
by icedtea
Sat Apr 12, 2014 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: A few Tax Act questions - nothing too complex
Replies: 3
Views: 210

Re: A few Tax Act questions - nothing too complex

I was able to find answers to my first 2 questions. Any help with #3? 3. This is my first time filing for an extension. I'm aware I need to pay any taxes by April 15th to avoid penalties. I've completed my taxes aside from the questions above, and Tax Act says I'm getting refunds for $851 (federal) ...
by icedtea
Sat Apr 12, 2014 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: A few Tax Act questions - nothing too complex
Replies: 3
Views: 210

A few Tax Act questions - nothing too complex

I'm filing for an extension due to some issues getting a corrected 1099R, but in the meantime I'm finishing up my taxes and had a couple questions. 1. When I am asked to enter my dividend income for foreign income, such as foreign source ordinary and qualified dividends, I need to indicate how the i...
by icedtea
Sat Apr 12, 2014 5:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: A few Tax Act questions - nothing too complex
Replies: 3
Views: 210
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