Search found 179 matches

Go to advanced search

by jane1
Wed May 27, 2015 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Ownership of Taxable Investments, Step-Up Basis
Replies: 10
Views: 576

Re: Ownership of Taxable Investments, Step-Up Basis

Thanks Planner for starting this topic. Been on my to-do list for a while. Hope I am not hijacking this thread. Any disadvantage of using CPWROS if one lives in a community property state (CA)? Assume marriage is solid. Is it easy to convert titling from individual to CPWROS? Any tax implications? W...
by jane1
Tue May 26, 2015 10:51 am
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 119
Views: 5847

Re: Once in a life time trip.

8 year olds are not going to remember too many details. Make this your (choice) trip of a lifetime and do future great trips with them when they are 12+ Kids at that age will not know or appreciate the difference between Australia or something close by. Use this time to expose them to natural wonder...
by jane1
Fri May 22, 2015 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Help with car insurance coverage
Replies: 16
Views: 661

Re: Help with car insurance coverage

I would look into how much dropping comprehensive and collision on one or both cars would save? Likely you will find the savings worthwhile. Depending on your state and insurance company, you will find they increase your premiums if you have collision claims anyway, making it less desirable to file ...
by jane1
Thu May 07, 2015 1:27 pm
Forum: Personal Consumer Issues
Topic: Free time in Prague and Amsterdam .. what to see?
Replies: 18
Views: 995

Re: Free time in Prague and Amsterdam .. what to see?

This has a decent 1-3 day itinerary for Prague. Reflects accurately what I have read in Rick Steves and other guidebooks.
http://www.prague.net/itineraries-in-prague
by jane1
Tue Apr 28, 2015 6:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard governance and investor rights
Replies: 66
Views: 3420

Re: Vanguard governance and investor rights

Do you have a link to the annual reports especially of VGI? I had asked a similar question in a thread I started a few days ago. Didn't get much in terms of response. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=163816 I too would really like some more transparency from Vanguard. Maybe...
by jane1
Fri Apr 24, 2015 12:55 am
Forum: Investing - Help with Personal Investments
Topic: Stepped-up basis on TOD brokerage account
Replies: 21
Views: 1464

Re: Stepped-up basis on TOD brokerage account

If you have the annual consolidated statements and 1099-Div from previous years, it should not be too difficult to compare your calculation against their reported Cap Gains. Losses are useful since you are taxed on net gain/loss. Any investment that had a loss first gets offset against gains, result...
by jane1
Fri Apr 24, 2015 12:34 am
Forum: Personal Consumer Issues
Topic: Adequate alternatives to TurboTax?
Replies: 28
Views: 1929

Re: Adequate alternatives to TurboTax?

Have been a satisfied user of TaxAct for a number of years. Deluxe version imports everything from previous year.
~$13-20 incl efile fed and state.
by jane1
Thu Apr 23, 2015 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: Stepped-up basis on TOD brokerage account
Replies: 21
Views: 1464

Re: Stepped-up basis on TOD brokerage account

You essentially assume that half the shares belonged to her (so have to use the pre-transfer basis for those) and half belonged to him that got transferred to her (and where you use the stepped up basis on day of death). As Alan pointed out, don't forget any reinvested dividends. Hopefully the broke...
by jane1
Thu Apr 23, 2015 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Should I apply for manager's job or continue as a techie?
Replies: 145
Views: 9802

Re: Should I apply for manager's job or continue as a techie

Some other things to consider - What do you want to do 5-10-20 years from now? How old are you? What city are you located in? Is there a strong demand for your current skills? Is the demand likely to grow or shrink? What is the demand for the middle-management skills in your area? Does your company ...
by jane1
Tue Apr 21, 2015 8:11 pm
Forum: Personal Consumer Issues
Topic: European Cruises
Replies: 29
Views: 1825

Re: European Cruises

BTW 2 Do not worry about language in Europe. It is not an issue. It is actually getting to the point where no one will let me practice the European language that I do know, as they are all wanting to practice their English or just expedite the conversation. This reminded me of a trip to Italy about...
by jane1
Sat Apr 18, 2015 4:56 pm
Forum: Personal Consumer Issues
Topic: Opticians [Purchasing eyeglasses]
Replies: 13
Views: 1382

Re: Opticians [Purchasing eyeglasses]

If you have a Costco close by, that is the place to go if you don't want to do mail order. For between $100-$150 you can get a decent full-pair of eyeglasses (frame, lenses, coatings). And maybe some more benefit if you have vision insurance coverage.
by jane1
Sat Apr 18, 2015 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Simple IRA Conversion to Roth - do other IRAs matter?
Replies: 6
Views: 496

Re: Simple IRA Conversion to Roth - do other IRAs matter?

Since you mention backdoor Roth, I am assuming the IRA contribution is post-tax. And your Rollover IRA is pre-tax. Your Roth conversion will get impacted by the pre-tax contributions. You will be taxed on prorated/proportional amount of pre-tax to post-tax. If possible, you can rollover your IRA to ...
by jane1
Fri Apr 17, 2015 4:07 pm
Forum: Investing - Theory, News & General
Topic: Ask Your Questions here for the Jack Bogle Q&A @ Bogleheads Conference
Replies: 25
Views: 3518

Re: Your Questions for Jack Bogle Q&A @ Bogleheads Conferenc

I don't know if this would be an appropriate question. Vanguard has publically maintained that HFT (high frequency traders) are needed as market makers. Given that Fidelity and other large fund families are starting their own dark pool, why isn't Vanguard joining them to (potentially) get the best p...
by jane1
Fri Apr 17, 2015 3:57 pm
Forum: Investing - Theory, News & General
Topic: Where can I find Vanguard Group's financial report?
Replies: 2
Views: 599

Re: Where can I find Vanguard Group's financial report?

Thanks pkcrafter. I would have thought that it would be easy to get access to which exchanges or dark pools Vanguard uses. As you can guess I recently read Flash Boys by Michael Lewis and started wondering what exposure Vanguard has to HFT. I assumed Vanguard financials would be more transparent. Ma...
by jane1
Fri Apr 17, 2015 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should I purchase an Umbrella policy?
Replies: 54
Views: 5665

Re: Should I purchase an Umbrella policy?

A related question. If one has $1M in Umbrella insurance and about $1M in assets, can't the courts settle for $2M and you still lose all your assets? Will the insurance lawyers really try to make sure your assets will not be touched? Esp if the accident results in disability or death (which is the p...
by jane1
Thu Apr 16, 2015 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without AC?
Replies: 60
Views: 4776

Re: Would you buy 1.5 M house without AC?

I have heard of people in NorCal adding central AC to their old homes for about $20-25K.
Increases your home cost from 1.5M to 1.52M, that's small change!
by jane1
Thu Apr 16, 2015 3:57 pm
Forum: Investing - Theory, News & General
Topic: Where can I find Vanguard Group's financial report?
Replies: 2
Views: 599

Where can I find Vanguard Group's financial report?

I am curious to learn more about Vanguard. Is there someplace I can find Vanguard Group's detailed financial report/performance? I understand it is not a publically traded company and am somewhat familiar with the ownership structure. Example, what is the total revenue broken down by sources - expen...
by jane1
Tue Apr 14, 2015 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question relating to incorrect W2
Replies: 3
Views: 351

Re: Tax Question relating to incorrect W2

Not sure I fully understand your situation but be aware that very likely the HSA contributions that you/the company made were pre-tax (before Fed, Soc Security, Medicare and likely State tax). So any excess contribution returned to you would be taxable and should be included in your taxable income.
by jane1
Tue Apr 14, 2015 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Did I overpay Uncle Sam this year?
Replies: 6
Views: 684

Re: Did I overpay Uncle Sam this year?

That was quick! Your comments and advice were very helpful and put me on the road to gathering my data. I am sure I will now be able to sort out my CG's (long & short term), cost basis, and consult a tax professional once I have my figures in front of me. Thank you for so quickly shining a ligh...
by jane1
Sat Apr 11, 2015 8:52 pm
Forum: Personal Consumer Issues
Topic: Experience with Apple Pay?
Replies: 32
Views: 2520

Re: Experience with Apple Pay?

prudent wrote:Do you have to unlock the phone and navigate to/open a particular app to pay with Apple Pay? Or do you just pull out the phone and put it next to the sensor?


You have to unlock, open Passbook app and use fingerprint sensor to pay.
Maybe there is a faster way that I don't know about.
by jane1
Fri Apr 10, 2015 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Mailing tax returns
Replies: 56
Views: 3960

Re: Mailing tax returns

I just wanted to say I am not part of the 111%. I not only mail them, I do them by hand, ON PAPER, with a pencil and pen and a HP 48GX calculator. :twisted: Oh and I use certified mail too. :D I hope your taxes are fairly simple. I had a client (TaxAide volunteering) who had been doing his taxes by...
by jane1
Fri Apr 10, 2015 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question regarding Medicare tax
Replies: 5
Views: 285

Re: Tax question regarding Medicare tax

Two Headed Mule wrote:
ETA: Jane1 is faster than I am


By 5 minutes :happy
It's all about being in the right place, at the right time!
by jane1
Fri Apr 10, 2015 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question regarding Medicare tax
Replies: 5
Views: 285

Re: Tax question regarding Medicare tax

Check out the amount on Line 64 (withholding). It would have added $2200 (8000-5800) in addition to any federal withholding from W2/1099s. Form 8959 will also help in the understanding. So your extra medicare withholdings count towards the payment. And the $1350 as tax. Net it out and the final calc...
by jane1
Fri Apr 10, 2015 6:18 pm
Forum: Personal Consumer Issues
Topic: protecting passport from damage
Replies: 23
Views: 1671

Re: protecting passport from damage

I keep mine in a plastic sandwich bag (fold-top although ziploc works). I have carried it in cargo pants, trousers, sleeping in airplanes, backpacks in rain, dust etc and stayed good for the 10 years of extensive travel without any damage. I avoid carrying it where it is likely be get bent/fold.
by jane1
Mon Apr 06, 2015 12:59 am
Forum: Personal Finance (Not Investing)
Topic: 2 months out of health insurance coverage
Replies: 4
Views: 817

Re: 2 months out of health insurance coverage

Hi all, I see that I had two month of health insurance gap from ending my privately purchased insurance and getting enrolled into employer sponsored plan in 2014. How to handle this in tax return? You will have to fill out Form 8965 Part III. Use exemption code B for short term coverage gap. http:/...
by jane1
Thu Apr 02, 2015 1:03 am
Forum: Personal Finance (Not Investing)
Topic: Turbo tax versus H&R Calculation mismatch??
Replies: 4
Views: 464

Re: Turbo tax versus H&R Calculation mismatch??

Both Turbo Tax and H&R Block would give the same thing , I am surprised. Capital gain distributions from 1099-Div will get added to other Cap gains/loss. So 995 is to be added to 308 for calculating taxes. If things are confusing, please provide what is in each box on 1099-Div and 1099-B, so we ...
by jane1
Sun Mar 29, 2015 6:49 pm
Forum: Personal Consumer Issues
Topic: Orbitz vs Expedia vs Delta
Replies: 22
Views: 2210

Re: Orbitz vs Expedia vs Delta

I am very surprised. Did you actually end up booking the $872 fare? Orbitz & other online travel agencies (OTAs) get "cached" data (not the latest updated availability/fare) for initial display. Once you go through more steps in the booking process, OTAs gets the latest data from the a...
by jane1
Sun Mar 29, 2015 6:35 pm
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 12921

Re: Hate where we live, do we make major changes?

Move. Life is too short to live in a place where you are not happy. Saving is not everything.
It will be easier to find a job at your current ages than 8-10 years later. It will also be easier to make friends in your new location at a younger age for child and parents.
by jane1
Wed Mar 25, 2015 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: HSA deadline for tax deduction eligibility
Replies: 10
Views: 734

Re: HSA deadline for tax deduction eligibility

I understand that I can make a TY 2014 contribution to an HSA account until April 15 2015. However, in order for it to count towards TY 2014, does the account have to be *established* in 2014? This is what the HSABank rep tells me but I'm skeptical. I believe you can still open and contribute. Call...
by jane1
Wed Mar 25, 2015 11:41 am
Forum: Personal Consumer Issues
Topic: Booking a cruise online
Replies: 8
Views: 1046

Re: Booking a cruise online

Vacations-to-go, Travelocity/Expedia/Orbitz for comparison shopping. I book based on whoever gives the best deal (incl the soft $ benefits - onboard credit, free upgrades, etc). The cruise company's website can also be a decent option, although not often.
by jane1
Fri Mar 20, 2015 7:32 pm
Forum: Investing - Theory, News & General
Topic: Step callable long term CD for fixed income- pros & cons?
Replies: 17
Views: 1065

Re: Step callable long term CD for fixed income- pros & cons

Personally I wouldn't want to be locked in to 3% for 9 years and 4% for another 8 years. Are you allowed to get out early? If so, what is the penalty? i had assumed it would be something like a 3-month penalty but reading the fine print now. Says it will be sold on a secondary market if redeemed pr...
by jane1
Fri Mar 20, 2015 2:37 pm
Forum: Investing - Theory, News & General
Topic: Step callable long term CD for fixed income- pros & cons?
Replies: 17
Views: 1065

Step callable long term CD for fixed income- pros & cons?

I got this offering in an email from broker firm. Has anyone used something similar to these for the fixed income part of their portfolio? I understand the interest rate (& inflation) risk and the fact it is callable but for me 3%-8% is reasonable for part of my portfolio. What are the other pro...
by jane1
Thu Mar 19, 2015 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: STEM Job Offer Advice: Govt Contractor vs Industry
Replies: 26
Views: 2221

Re: STEM Job Offer Advice: Govt Contractor vs Industry

I would also factor in your career interests (are you the academic theoretical type or applications type) and future potential. I quit my cushy STEM national lab job after a few years for private industry job (took a paycut) since I like to see the practical uses of my work. National lab experience ...
by jane1
Thu Mar 12, 2015 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare - already covered but turning 65 ?
Replies: 11
Views: 1166

Re: Medicare - already covered but turning 65 ?

I just posted this link on another thread. Maybe you can benefit from the information here
http://www.kiplinger.com/article/insura ... delay.html
by jane1
Thu Mar 12, 2015 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Decent article about when to sign up for Medicare
Replies: 0
Views: 265

Decent article about when to sign up for Medicare

Fyi, in case it benefits others, I thought this was a decent article in Kiplinger about when to sign up for medicare.
http://www.kiplinger.com/article/insura ... delay.html
by jane1
Tue Mar 03, 2015 12:47 pm
Forum: Personal Consumer Issues
Topic: Has anyone used Costco car buying service?
Replies: 30
Views: 3357

Re: Has anyone used Costco car buying service?

I tried to buy using Costco but the Costco prices were higher. Dealers can give you a better price since they don't have to pay commission to Costco.
by jane1
Tue Mar 03, 2015 12:42 pm
Forum: Personal Consumer Issues
Topic: Can I afford it?
Replies: 59
Views: 6106

Re: Can I afford it?

You and your wife seem financially savvy to have no debts and have decent savings for your age. It all depends on your priorities and what is important to you, what gives you great joy. Essentially trade-offs. There is no right or wrong answer. Yes, I think you can afford it since you "save&quo...
by jane1
Tue Mar 03, 2015 12:10 pm
Forum: Personal Consumer Issues
Topic: Traveling to Spain - phone, data plan and credit card
Replies: 36
Views: 3052

Re: Traveling to Spain - phone, data plan and credit card

Thanks for all your help. So, this is what I am leaning towards. Let me know if I am missing anything blatantly obvious. 1. Data - My Wifi device has T-Mobile Simple Choice plan. So, I get 2G speeds in Spain free as part of the plan. I am planning to buy a "data pass" for higher internet ...
by jane1
Tue Mar 03, 2015 12:02 pm
Forum: Personal Consumer Issues
Topic: Traveling to Spain - phone, data plan and credit card
Replies: 36
Views: 3052

Re: Traveling to Spain - phone, data plan and credit card

I have a T-mobile postpaid plan. It gives unlimited international text and data in most countries around the world i.e. no hidden charges. 20cents/min for US calls while international roaming (free while using tmobile's wifi calling). I keep my phone with data roaming, regular phone mode on all the ...
by jane1
Sun Mar 01, 2015 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Why Isn't Pension Distribution Taxable? (1099-R, Code G)`
Replies: 37
Views: 4703

Re: Why Isn't Pension Distribution Taxable? (1099-R, Code G)

Anything in Box 9b?
Lot of 1099-R I see as part of my AARP TaxAide volunteering have some component that is not-taxable (employee contributions). True often for pensions/annuities.
I would just file as reported in 1099-R and let software take care of it.
by jane1
Fri Feb 27, 2015 1:13 pm
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 47
Views: 6267

Re: Favorite Vacation/Trip

Some possibilities 1. Combine Vegas and Road Trip to Grand Canyon, Zion Natl Park 2. Fly to San Francisco/San Jose, in addition to SF, do short trips to Napa, Yosemite, Big Sur 3. Yellowstone, Grand Tetons 4. Fly into Moab and do trips to Arches, Canyonlands For a shorter trip (3-4 days), you can ha...
by jane1
Wed Feb 25, 2015 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Can I contribute to solo 401k b4 receiving 1st payment chk?
Replies: 4
Views: 389

Re: Can I contribute to solo 401k b4 receiving 1st payment c

Spirit Rider, Makes sense. In my case, service was provided in December and January (for instance) and payment will be made in early March & April. 60 days after invoice date. So it appears I can go ahead and make the employee (deferral) contribution. I am okay delaying the profit-sharing contri...
by jane1
Tue Feb 24, 2015 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Can I contribute to solo 401k b4 receiving 1st payment chk?
Replies: 4
Views: 389

Can I contribute to solo 401k b4 receiving 1st payment chk?

I know I will be getting a payment check to my consulting services within the next month. That check would be reported in 2015 1099-Misc, Schedule-C, sole-proprietor. My question is, can I contribute to my 2015 solo 401k (as part of 18K limit) before I receive any payment for 2015? The reason being ...
by jane1
Tue Jan 20, 2015 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Adjusted Livesoft Income (ALI)
Replies: 40
Views: 6384

Re: Adjusted Livesoft Income (ALI)

If ALI is to work in accumulation as well as withdrawal phase - Roth distributions? Any non-taxable pension? What about withdrawal from your assets (bank accounts, proceeds from sale of MFs, Stock - not just Cap Gains/Loss)? I expect my tax returns to not have much resemblence to my spending power. ...
by jane1
Thu Jan 15, 2015 1:38 am
Forum: Personal Finance (Not Investing)
Topic: Taxact ultimate version $6 - DEAL OVER
Replies: 46
Views: 3161

Re: Taxact ultimate version $6

Thanks. Signed up.
Had to use the details in OP's fatwallet link and create new username to get the $6 price.
If one had previously signed up for TaxAct 2014, it appears to show "My Return Fees" as $17.99 even with the OP link (unless you create a new username using OP link).
by jane1
Fri Jan 09, 2015 9:11 am
Forum: Personal Consumer Issues
Topic: Slovenia And Croatia In May
Replies: 25
Views: 1887

Re: Slovenia And Croatia In May

Unfortunately yes. We had to act fairly quickly, as ticket prices dropped extremely quickly yesterday and slowly crept back up. Air fare is only costing $750 pp round trip from USA East Coast. Normally this trip is 1300 or more per person. We had to act somewhat quickly. Another thing we are thinki...
by jane1
Tue Dec 16, 2014 11:16 pm
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 40
Views: 3657

Re: No Foreign Fee Credit Card - Exchange Rate

We usually use the Capital one cash back (1.5%) rewards and Schwab bank account during our international travels. From my research a couple of years back it seemed like Capital one CC not only had the no foreign transaction fee but also good/best exchange rates. Unfortunately, no chip so what has e...
by jane1
Sat Dec 13, 2014 1:37 am
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 61
Views: 9323

Re: Bumped out of first class at boarding - compensation?

About what I expected despite US Airways checkin, boarding passes, equipment and flight ticket receipt. Now i expect United will claim US Airways was the one providing the flight and hence the lapse in customer service. I figure six months till resolution on this project....... Dear Mr. ---------- ...
by jane1
Tue Nov 18, 2014 7:07 pm
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 6359

Re: Apple Stores - do they try to be awful?

I have been to quite a few Apple stores in several states and have always found the employees to be extremely helpful and patient. They leave you alone when you want be left alone and are available to answer questions when you need them.
Consistently great experiences.

Go to advanced search