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VBMFX vs FSITX - Wash Sale?

Dear Bogleheads, Last year, I sold off my bond holdings (VBMFX - Vanguard Total Bond Market Index) in my taxable Vanguard account as a move to clean up my investments across all accounts. Since I was selling VBMFX at a capital loss, I was careful to ensure that I didn't purchase any VBMFX 31 days be...
by masterofinvesting
Sat Jan 31, 2015 11:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: VBMFX vs FSITX - Wash Sale?
Replies: 2
Views: 162

Re: Ominous letter from IRS re: Roth conversion!

I did my very first Roth conversion in 2014, and I have been using TurboTax for the past two years (I plan to use it this year as well). I would really appreciate it if you can provide some details about what to watch out for given your experience. Would a review of the final tax forms generated be ...
by masterofinvesting
Fri Jan 02, 2015 11:27 pm
 
Forum: Investing - Theory, News & General
Topic: Ominous letter from IRS re: Roth conversion!
Replies: 9
Views: 1705

Re: Question on creating a budget which accounts for taxes.

Thanks a lot for your responses, folks. I have started reading some AMT literature and I will try to come up with a spreadsheet that I can use to estimate my full taxes. I will keep my current spreadsheet and will use the new one every 1/2 yr as Bill M suggests. I know you are not interested in beco...
by masterofinvesting
Fri Jan 02, 2015 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Question on creating a budget which accounts for taxes.
Replies: 5
Views: 514

Question on creating a budget which accounts for taxes.

Dear Bogleheads, I am trying to come up with a simple monthly cash-flow budget (XX income/month, XX spent on Taxes (incl Prop Taxes), XX spent on Mandatory Expenses, ...), and I would like to get some validation of the method I used. Here's some background. My total income is the sum of fixed salary...
by masterofinvesting
Fri Jan 02, 2015 12:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Question on creating a budget which accounts for taxes.
Replies: 5
Views: 514

Re: Calculate Annualized Returns from a Portfolio

I'm doing this because I want to keep track of my actual, total year-by-year annualized returns, but my investments are with various brokerages and not all of them will even show me what my returns were (in terms of %, they do in terms of $), so I want to be able to calculate that. Using Quicken wo...
by masterofinvesting
Sun Dec 07, 2014 8:06 pm
 
Forum: Investing - Theory, News & General
Topic: Calculate Annualized Returns from a Portfolio
Replies: 12
Views: 885

Re: Vanguard offers login security code

Quick Question: Has anyone used this feature with Quicken desktop yet? I am planning to sign-up, but not if my Quicken access will be blocked.

Thanks.
by masterofinvesting
Sun Dec 07, 2014 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 18358

Requesting 529 Plan Review + Some Questions.

Dear Bogleheads: We have a 2-month-old daughter and we are looking to start a 529 plan to save for her college expenses. I browsed through some of the forum posts and some financial blogs, and I have come to the conclusion that the Utah plan (UESP) is among the best in terms of ER and possible custo...
by masterofinvesting
Mon Feb 03, 2014 12:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Requesting 529 Plan Review + Some Questions.
Replies: 0
Views: 190

Re: How to security freeze your credit?

When I came to know that there is an option to freeze my credit (it wasn't advertised very well), this was how I saw it: [*] Credit Freeze: Lock the barn before the horse leaves, and unlock it when you want to take the horse for a walk. Very cheap. [*] Credit Monitoring: Setup a way to monitor the h...
by masterofinvesting
Sun Jan 26, 2014 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to security freeze your credit?
Replies: 22
Views: 1257

Re: How to security freeze your credit?

Given all of the problems noted by posters if your credit is frozen, what benefit do you get from freezing your credit that out weights the problems resulting from freezing your credit? Quoting from http://www.oag.ca.gov/idtheft/facts/freeze-your-credit: A security freeze can help prevent identity ...
by masterofinvesting
Sun Jan 26, 2014 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to security freeze your credit?
Replies: 22
Views: 1257

Re: Question on House Affordability.

Thanks a lot everyone for providing your useful insights. I definitely feel a lot more enlightened now than I was before I started this thread. For now, I am setting myself a maximum of $575K (30% housing cost) and will very carefully consider any additions to the max price. Of course, I understand ...
by masterofinvesting
Sun Jan 05, 2014 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question on House Affordability.
Replies: 25
Views: 1641

Re: Question on House Affordability.

You still haven't told us what price point you are looking at for a house that would meet your need of having good public schools so we're still guessing on half of the problem. The price point seems to be largely variable based on inventory availability. For example, when I ran a search on redfin....
by masterofinvesting
Sun Jan 05, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question on House Affordability.
Replies: 25
Views: 1641

Re: Question on House Affordability.

Aren't they guidelines that lenders use? Maybe there's some leeway, but there's really 2 questions, can you afford it (and I agree with your point about high earners being able to afford a higher percentage) and will I be approved. I haven't gotten a mortgage yet so I have no idea, but I've heard d...
by masterofinvesting
Sun Jan 05, 2014 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question on House Affordability.
Replies: 25
Views: 1641

Re: Question on House Affordability.

Thanks everyone for the helpful replies/comments. A few comments/answers: 1. I will research a little bit more on home and earthquake insurance/rates (ask around people I know who are homeowners). 2. I will try to come up with a reasonable estimate for additional maintenance expenses and add this to...
by masterofinvesting
Sun Jan 05, 2014 2:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Question on House Affordability.
Replies: 25
Views: 1641

Question on House Affordability.

** edited post to add income specifics ** Dear Bogleheads: My wife and I are looking to purchase a new home (in San Diego, CA) and I am trying to find out what price range we can afford. This is what I have come up so far (based on some googling and research). - Let's say the home price is $h. - Ass...
by masterofinvesting
Sat Jan 04, 2014 9:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question on House Affordability.
Replies: 25
Views: 1641

Re: What to do about "Stock Awards"?

1. Sell immediately, take the 10% as income & pay marginal tax rate on them, and move the funds into your regular AA 2. Hold on to them for 1 year, then take the gains as long-term capital gains, and move the funds into your regular AA 3. Hold them indefinitely, violating your IPS and Boglehead...
by masterofinvesting
Wed Aug 07, 2013 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do about "Stock Awards"?
Replies: 29
Views: 1477

Re: Newbie - Requesting Portfolio Review.

A few updates: I asked around and found that there is a way to automate purchases of Spartan index funds in BrokerageLink (just like regular 401k funds, but needs a call to a Fidelity representative). I put more thought into AA. A few things I found: ⋅ I gave up on overweighting REITs - ha...
by masterofinvesting
Wed Jul 03, 2013 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie - Requesting Portfolio Review.
Replies: 7
Views: 873

Re: Best asset allocation book to read?

I am a newbie to AA myself, and I liked "The Intelligent Asset Allocator", by William Bernstein.

I'll probably check out the other books listed above as well ...
by masterofinvesting
Sun Jun 30, 2013 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best asset allocation book to read?
Replies: 21
Views: 2416

Re: Newbie - Requesting Portfolio Review.

Thanks for your response, LALearning ! Emergency Funds: > 2 yrs (saving to buy a home next year or so) - all in banks/money market accts. --Keep in mind CD's and for longer term IBonds. Thanks for the advice regarding CDs and I-Bonds. I will look into this. In fact, I really should correct "nex...
by masterofinvesting
Sun Jun 30, 2013 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie - Requesting Portfolio Review.
Replies: 7
Views: 873

Re: Newbie - Requesting Portfolio Review.

Reply to Duckie's Post: Thanks a lot Duckie for your response! I would probably need some more time to process the information you have provided, and develop a plan, but I do have some quick comments/answers to your questions. ⋅  Thanks for the Spartan fund recommendations in his 401(k) - ...
by masterofinvesting
Sun Jun 30, 2013 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie - Requesting Portfolio Review.
Replies: 7
Views: 873

Newbie - Requesting Portfolio Review.

Hello There, Just finished reading "The Intelligent Asset Allocator", and it has given me a fresh new perspective on investing. It also helped me realize that my investments are all over the place (I did know about the benefits of index investing, but never paid much attention to asset all...
by masterofinvesting
Sat Jun 29, 2013 11:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie - Requesting Portfolio Review.
Replies: 7
Views: 873

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