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Re: HSA: "combined" spousal account

barefootjan wrote:That's too bad, I was hoping they had changed it.
Sorry for the confusion!

Withdrawals can be used to pay expenses for any family member so it isn't that big a deal.
by jebmke
Fri Mar 27, 2015 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA: "combined" spousal account
Replies: 11
Views: 673

Re: Economics of climbing the ladder - experiences requested

The higher you go in an organization the more likely you will work directly with or for jerks and sociopaths. It adds to the stress but it does develop your interpersonal skills. In my case, there was a lot of relocation. That should mean that if you want you can also be a jerk or a sociopath. Trul...
by jebmke
Fri Mar 27, 2015 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Economics of climbing the ladder - experiences requested!
Replies: 23
Views: 2311

Re: What Book Are You Currently Reading? Part VI

Petrocelli wrote:I am reading The Martian. I am about 15% into it. The jury is still out. So far, it's good, not great


I recently finished this. I had the same reaction at first. It grew on me. Not great literature but in the end I was glad to have read it.
by jebmke
Fri Mar 27, 2015 3:09 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 569
Views: 78919

Re: Economics of climbing the ladder - experiences requested

The higher you go in an organization the more likely you will work directly with or for jerks and sociopaths. It adds to the stress but it does develop your interpersonal skills.

In my case, there was a lot of relocation.
by jebmke
Fri Mar 27, 2015 2:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Economics of climbing the ladder - experiences requested!
Replies: 23
Views: 2311

Re: HSA: "combined" spousal account

SpiritRider, when did they start having family HSA accounts? When my husband set up "ours" it could only be in one social security number (in our case it was his, since the plan was through his employer). Thanks, Jan Never. The problem is that the OP is on medicare and once you go on medi...
by jebmke
Fri Mar 27, 2015 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA: "combined" spousal account
Replies: 11
Views: 673

Re: TurboTax Import Error from Vanguard: Who's Fault?

When you file your return, either paper or e-file you are representing the data as correct. Neither Vanguard nor TT are responsible in my opinion. Now, if the software incorrectly calculated your tax or failed to transmit some part of your return, then TT might have a liability. It seems like an imp...
by jebmke
Fri Mar 27, 2015 5:47 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Import Error from Vanguard: Who's Fault?
Replies: 7
Views: 666

Re: After Tax 401K Rollover to Roth IRA

I did this in 2013. In my case, there were no checks involved because the 401(k) was at Fidelity and I opened the two IRAs at Fidelity. It was a 15 minute phone call to do the whole thing. Box 7 on the 1099 was coded "G" and the AT portion was shown in Box 5.
by jebmke
Thu Mar 26, 2015 11:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: After Tax 401K Rollover to Roth IRA
Replies: 6
Views: 538

Re: Vanguard 1099-R Change for 2014

1099-Rs often have nothing in them for state distribution. For most states, the tax software ignores this box anyway since the state starts its calculation with the Federal AGI which already includes the distribution (or not if it is not taxable).
by jebmke
Thu Mar 26, 2015 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard 1099-R Change for 2014
Replies: 2
Views: 187

Re: Tax Questions - Soccer Coach (1099) & W2

Advantages to your employer of calling you a contractor: * Does not pay employer's share of Social Security on those earnings * Does not pay into Unemployment on those earnings * Does not pay overtime, which is likely to occur when a full-time employee works extra hours * Not responsible for Worker...
by jebmke
Wed Mar 25, 2015 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Questions - Soccer Coach (1099) & W2
Replies: 10
Views: 693

Re: Another 4% question

Does anyone actually follow this 4% (or X%) in practice? I know a lot of retirees and not one of them uses any mathematical guidelines for withdrawal (AKA spending).
by jebmke
Wed Mar 25, 2015 11:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Another 4% question
Replies: 10
Views: 1122

Re: International stock dividend cut. Why?

My state also taxes dividends as ordinary income. Plus I am approaching the 30% "bracket" with Roth conversions so having less dividend is a good thing.
by jebmke
Wed Mar 25, 2015 7:42 am
 
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 37
Views: 2935

Re: Tax Questions - Soccer Coach (1099) & W2

On mileage, normally the miles from your home to the first place you work as a 1099 (contractor) is considered commuting and not deductible. Same from the last place to your home. If you go from your home to a work site and then return (ie., one place) you do not deduct the miles. If you don't use t...
by jebmke
Tue Mar 24, 2015 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Questions - Soccer Coach (1099) & W2
Replies: 10
Views: 693

Re: Corrected 1099-DIV: Do I have to amend my return?

Same with Form 1116 - not really complicated if all you have is RIC investments and you follow the instructions. Wow. Good thing I didn't have a mouthful of coffee when I read that. Try looking at it from the newbie perspective. No, it is not easy. It takes quite a while to read through the instruc...
by jebmke
Tue Mar 24, 2015 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corrected 1099-DIV: Do I have to amend my return?
Replies: 12
Views: 1096

Re: Corrected 1099-DIV: Do I have to amend my return?

My reason for amending the return is to get the "new" difficulties out of the way. IOW, use it for practice so that when the occasion rises later (fingers crossed that it won't), it will be "easy". That is a good reason. Amendments are easy -- usually simpler than doing the retu...
by jebmke
Tue Mar 24, 2015 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Corrected 1099-DIV: Do I have to amend my return?
Replies: 12
Views: 1096

Re: Any situations car leasing makes sense?

We leased our cars when we moved to Europe. Did not want to deal with moving a lot of cash to Euros. Also knew that repatriation might be short notice and didn't want the hassle of selling cars in addition to the rest of the chaos associated with moving.
by jebmke
Mon Mar 23, 2015 8:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Any situations car leasing makes sense?
Replies: 63
Views: 5018

Re: External Hard Drive?

I've found Crashplan to be excellent at $60/year for unlimited automatic backups. I do have external hard drives for backup but I just don't back them up as much as I should. :oops: My files are priceless to me so I consider the $60/year to be cheap insurance. Crashplan is a true backup system. Sim...
by jebmke
Mon Mar 23, 2015 8:12 am
 
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 2307

Re: Tax Software

Jebmke I worked with TaxAct. If one wants to e-file one has to fill out the supporting forms for almost every line; one can't just enter the numbers on the proper lines the way I had hoped. So I tried to do it the way the program wanted but the foreign tax paid by the mutual fund fell through the c...
by jebmke
Mon Mar 23, 2015 7:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Software
Replies: 23
Views: 1107

Re: Tax Software

Here is the opening screen for TaxAct

Image

See the button at the top called "Forms"? That will take you to all the forms -- you can select the forms you want to complete.
by jebmke
Sun Mar 22, 2015 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Software
Replies: 23
Views: 1107

Re: Have you used VITA or TCE?

Probably a lot of variation. We have been working to move out taxpayers who are more "well off". We rarely do returns with income higher than $75-80K but we don't have a hard threshold. If someone has a complicated brokerage statement or other major time consuming complications (even if in...
by jebmke
Sun Mar 22, 2015 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you used VITA or TCE?
Replies: 22
Views: 1446

Re: RMD Vanguard state tax withholding

Whether Vanguard withholds tax from RMDs or not does not change one's tax obligation. I don't see how anyone is missing out on oodles of tax money. If one takes their RMDs on a monthly basis, and files his state taxes in April of the following year, the state is missing out on holding on to your ta...
by jebmke
Sun Mar 22, 2015 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD Vanguard state tax withholding
Replies: 12
Views: 638

Re: Tax Software

I have used the pdf forms to input data but I haven't printed them. Is that what you mean by forms mode? No, what I mean by forms mode is to access the forms directly in the software and skip all the question and answer process. Every software that I have ever looked at has the ability to access th...
by jebmke
Sun Mar 22, 2015 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Software
Replies: 23
Views: 1107

Re: Tax Software

The 1099-R from the company that handles the pension lists total payment amount, taxable amount, and amount withheld. I don't need to know how they figure it. The amount not taxable is due to contributions I made to my pension while working. As for the interest on the Treasury note I indicated that...
by jebmke
Sun Mar 22, 2015 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Software
Replies: 23
Views: 1107

Re: Tax Software

Just use the forms mode. If you know enough to do the return by paper you should be able to use forms mode and directly enter in the data. On the other hand, if there are a lot of questions that you can't answer, are you sure you are doing it correctly on paper? All the forms can be downloaded and p...
by jebmke
Sun Mar 22, 2015 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Software
Replies: 23
Views: 1107

Re: Have you used VITA or TCE?

It sounds as if there might be a lot of variations between VITA sites around the country. In my area there is no "requirement" for all volunteers to certify at the advanced level as there is in the TCE program. Here the United Way works in conjunction with the IRS and sponsors most of the...
by jebmke
Sun Mar 22, 2015 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you used VITA or TCE?
Replies: 22
Views: 1446

Re: Account internet security

There are numerous threads already on security (computer and account security). I'd suggest looking at those and then formulating specific questions. Frankly, a lot depends on how technical you are. Some basics (like 2 factor authentication on your Vanguard account) aren't that complicated. But once...
by jebmke
Sun Mar 22, 2015 7:40 am
 
Forum: Personal Consumer Issues
Topic: Account internet security
Replies: 27
Views: 1490

Re: Have you used VITA or TCE?

KYBlue, Am very surprised to hear that VITA can do Sch E with depreciation. I always understood that was out-of-scope for both programs. Has been so in TCE for the twelve years I have been in the program in the US Central Region. This surprised me too. In my district we have too many clients that d...
by jebmke
Sun Mar 22, 2015 7:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you used VITA or TCE?
Replies: 22
Views: 1446

Re: How is VTIAX performing?

john94549 wrote:SpringMan, if "up" 5.69% year-to-date doesn't get an "A", what might?

Yeah, but who really cares about < 3 months performance?
by jebmke
Sat Mar 21, 2015 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing?
Replies: 18
Views: 1809

Re: How is VTIAX performing?

Looking at the performance stats on Vanguard, it looks like it has closely tracked its index. So that would indicate that it is performing well; after all it is an index fund. Perhaps the issue is your expectations.
by jebmke
Sat Mar 21, 2015 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing?
Replies: 18
Views: 1809

Re: Why I don't file early

I efiled around 3-4-15 using TT. After both Federal and State were accepted, I realized I made a costly error. I amended both Fed and State shortly afterward, and had to mail the printed/signed forms for both, but TT did not charge me any extra for the nice job it did filling out the forms and doin...
by jebmke
Sat Mar 21, 2015 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why I don't file early
Replies: 35
Views: 3365

Re: Doctor's office requires credit card on file

Thanks for your views. I think what bothers me the most is that, under normal circumstances, I wouldn't see the doctor more than 2 or 3 discrete times a year yet they would have constant and continuous access to my credit. I would have to monitor my account to be sure there are no unexpected charge...
by jebmke
Sat Mar 21, 2015 12:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Doctor's office requires credit card on file
Replies: 55
Views: 2943

Re: Whats a good Pistol to buy?

I have worked with a couple of retired Baltimore police officers who have said the same thing.
by jebmke
Fri Mar 20, 2015 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 109
Views: 7742

Re: Whats a good Pistol to buy?

This is not the right website to ask that imho There seem to be plenty of knowledgeable gun owners who frequent the site so I think the OP will get good advice here. I'd be interested to hear from owners what the OP needs to consider when rolling through a state that may have tough permitting regs ...
by jebmke
Fri Mar 20, 2015 4:50 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 109
Views: 7742

Re: Estimated Taxes - The "timing" issue

I have been charged interest from the IRS for withholding on foreign imputed income. Maybe they have different rules for different classes of income. Were you using this as your basis for answering the question above in the negative? Your situation was quite different. Gill Yes, I was thinking (inc...
by jebmke
Fri Mar 20, 2015 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated Taxes - The "timing" issue
Replies: 18
Views: 749

Re: Why I don't file early

Rainier wrote:
555 wrote:I file in mid-January, as soon as IRS opens up e-filing. I have all my information by then, and the information never changes later. And I get a large refund, so I want it ASAP.


Sounds like you are doing something wrong then.

Not necessarily. Could be refundable credits.
by jebmke
Fri Mar 20, 2015 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why I don't file early
Replies: 35
Views: 3365

Re: Estimated Taxes - The "timing" issue

I have been charged interest from the IRS for withholding on foreign imputed income. Maybe they have different rules for different classes of income. Were you using this as your basis for answering the question above in the negative? Your situation was quite different. Gill Yes, I was thinking (inc...
by jebmke
Fri Mar 20, 2015 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated Taxes - The "timing" issue
Replies: 18
Views: 749

Re: Whats a good Pistol to buy?

This is not the right website to ask that imho There seem to be plenty of knowledgeable gun owners who frequent the site so I think the OP will get good advice here. I'd be interested to hear from owners what the OP needs to consider when rolling through a state that may have tough permitting regs ...
by jebmke
Fri Mar 20, 2015 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 109
Views: 7742

Re: Why I don't file early

555 wrote:I file in mid-January, as soon as IRS opens up e-filing. I have all my information by then, and the information never changes later. And I get a large refund, so I want it ASAP.

I get my refund in January also. I just don't generally file until September.
by jebmke
Fri Mar 20, 2015 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why I don't file early
Replies: 35
Views: 3365

Re: Estimated Taxes - The "timing" issue

I have been charged interest from the IRS for withholding on foreign imputed income. Maybe they have different rules for different classes of income.
by jebmke
Fri Mar 20, 2015 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated Taxes - The "timing" issue
Replies: 18
Views: 749

Re: Why I don't file early

Scammers are going to file very early (late Jan/Feb.). With brokerage statements coming late Feb, early March is the earliest you can sensibly file -- by then the risk is probably low.
by jebmke
Fri Mar 20, 2015 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why I don't file early
Replies: 35
Views: 3365

Re: IRS question (post office lost my taxes)

Once one return is processed, a second return with the same SSN will be rejected unless it is an amendment.
by jebmke
Fri Mar 20, 2015 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS question (post office lost my taxes)
Replies: 7
Views: 1286

Re: Estimated Taxes - The "timing" issue

AllYouNeedIsLove wrote:My specific question is whether 1099-div withholdings are treated the same way as W2 withholdings with regards to the "time" issue.

No
by jebmke
Fri Mar 20, 2015 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated Taxes - The "timing" issue
Replies: 18
Views: 749

Why I don't file early

I just received a revised Vanguard Brokerage Statement.

Reason #502 to wait and file taxes as late as possible.
by jebmke
Fri Mar 20, 2015 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why I don't file early
Replies: 35
Views: 3365

Re: Vinyl or wood fence

I don't really like the look of vinyl, but it's hard to argue with the longevity. Another option I would look at, though, is wood fence with the steel post center. Or a metal fence. We fenced in our pool with a black aluminum fence. Very sturdy and it is supposed to last nearly as long as vinyl. Pl...
by jebmke
Thu Mar 19, 2015 4:58 pm
 
Forum: Personal Consumer Issues
Topic: Vinyl or wood fence
Replies: 36
Views: 1976

Re: how often do you check performance?

I check daily because in an up market it is fun. And monthly I compare performance of portfolio to benchmarks - which is the Vanguard Target 2015 and also the coffeehouse and 3 fund portfolio on mudslingers(madsinger) reports. I think benchmarking is important because I do some tilting and I want t...
by jebmke
Wed Mar 18, 2015 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you check performance?
Replies: 50
Views: 2650

Re: Do you still use currency or have you gone all-plastic?

abuss368 wrote:Now from what I am reading is perhaps my plastic is going to be obsolete considering Apple iPay.


Maybe not as fast as you think.

http://www.nytimes.com/2015/03/17/busin ... f=business

I'm still waiting for Chip and Pin. That will meet my needs.
by jebmke
Tue Mar 17, 2015 9:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you still use currency or have you gone all-plastic?
Replies: 47
Views: 3206

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

I think the lure of dividends, besides being a historical relic from an era of high transaction costs, is that it simplifies mental accounting, withdrawal strategies, and has a feel-good anchoring bias. I think that is true. I know quite a few retirees. Excluding ones who have few assets and mainly...
by jebmke
Mon Mar 16, 2015 8:09 am
 
Forum: Investing - Theory, News & General
Topic: Why the popularity of dividends? What's the counterargument?
Replies: 70
Views: 4993

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

Like you, my sample is small. Hewlett Packard is my poster child for not paying a larger dividend. It had an enormous cash reserve and paid a lot of money to buy a company not worth 1% of what it was finally valued. HPQ is still recovering from that little faux paus. The real question (which we can...
by jebmke
Sun Mar 15, 2015 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: Why the popularity of dividends? What's the counterargument?
Replies: 70
Views: 4993

Re: when did/would you terminate disability insurance?

Whereas with disability you can insure to an extent. A maximum of c. 60% of pre disability income (perhaps 65% for a profession like a doctor) and that should be tax free (depending on where and how you insure). It would generally not be tax free if you paid for the insurance on a pre-tax basis. Em...
by jebmke
Sun Mar 15, 2015 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: when did/would you terminate disability insurance?
Replies: 35
Views: 2662

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

I am certainly not suggesting dividend paying stocks as a 100% replacement for bonds. Certainly right now they are entirely different. Bonds have an expected return of near zero so their only function for me is risk management. Stocks have positive real returns. I don't really care whether if they ...
by jebmke
Sun Mar 15, 2015 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: Why the popularity of dividends? What's the counterargument?
Replies: 70
Views: 4993

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

There have been many discussions on dividends. You might do a search and read through one or more long threads where this topic has literally been flogged unmercifully.
by jebmke
Sun Mar 15, 2015 10:22 am
 
Forum: Investing - Theory, News & General
Topic: Why the popularity of dividends? What's the counterargument?
Replies: 70
Views: 4993
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