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New York Meetup - December 21st 2013.

Bogleheads! Date: December 21st, 2013. Time: 2:30pm to 5:30pm. Venue:Sony Atrium - 550 Madison Ave New York, 10022 Theme - Taxes & Your Investments. Many thanks to a fellow member for providing the following template for discussion. We will use this to drive our discussion! 1.)How best to invest...
by quanuec
Mon Dec 16, 2013 9:13 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: New York Meetup - December 21st 2013.
Replies: 0
Views: 327

Re: New York City Local Chapter established

Bogleheads! Date: December 21st, 2013. Time: 2:30pm to 5:30pm. Venue:Sony Atrium - 550 Madison Ave New York, 10022 Theme - Taxes & Your Investments. Many thanks to a fellow member for providing the following template for discussion. We will use this to drive our discussion! 1.)How best to invest...
by quanuec
Mon Dec 16, 2013 9:12 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: New York City Local Chapter established
Replies: 99
Views: 8275

Seeking career advice - Psychiatry Resident NYC.

This post is on behalf of my wife. She is a second year Psychiatry resident in one of the hospitals in Queens, NYC. We have some questions regarding her career. Would appreciate if any docs on the forum can provide advice: ** We plan to be in NYC for a long time [say atleast the next 10 - 20 years]....
by quanuec
Sun Oct 27, 2013 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Seeking career advice - Psychiatry Resident NYC.
Replies: 0
Views: 351

Re: New York City Local Chapter established

Rob, are you in the NYC mailing list? If not, please write to me at : bogleheadnyc@gmail.com and I will add you to the group.
by quanuec
Sun Oct 27, 2013 2:01 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: New York City Local Chapter established
Replies: 99
Views: 8275

Re: New York City Local Chapter established

Minutes of the meeting - October 24th 2012, @Sony Atrium, NYC. We had another exciting meeting this Thursday. Around 14 members showed up. Discussions ranged from merits of NYC munis, 401k/IRA & bankruptcy + litigation, net worth calculations [accounting principles], investment motivation in hom...
by quanuec
Sat Oct 26, 2013 1:45 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: New York City Local Chapter established
Replies: 99
Views: 8275

Re: Move Ally CDs to VNYTX - Request for comments

(c) Ally CDs were supposed to be down payment for our home. But even 2015 seems optimistic and 2016 July seems like a realistic time frame. So possibly, I dont need this money for another 3 years. Why are you picking a fund duration > your investment horizon again??? I mean you waved your hands at ...
by quanuec
Sun Sep 15, 2013 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Move Ally CDs to VNYTX - Request for comments
Replies: 3
Views: 473

Move Ally CDs to VNYTX - Request for comments

Bogleheads - I need help/advice/comments for the following situation. Highly appreciate any feedback! (1) - I have low six figures locked in Ally CDs which will start to mature around 2015 until 2016. The CDs would earn between 3.5% to 2%. The penalty to break a CD is three month interest. (2) - My ...
by quanuec
Sun Sep 15, 2013 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Move Ally CDs to VNYTX - Request for comments
Replies: 3
Views: 473

Re: Liability Policy Statement

Health insurance? We don't know much about you. Liability umbrella policy for the next highest million dollar amount over your net worth. Thanks ..added health, dental and vision. Liability umbrella policy for the next highest million dollar amount over your net worth. **** Say net worth is 100k, a...
by quanuec
Sun Aug 18, 2013 6:46 pm
 
Forum: Investing - Theory, News & General
Topic: Liability Policy Statement
Replies: 4
Views: 314

Liability Policy Statement

I am trying to build an inventory of all possible insurance and liability coverage I should have. I am in my early 30s and married. What are the primary key points related to each of these policies that I should be aware of? Using the feedback from this thread, I plan on writing a "Insurance/Li...
by quanuec
Sun Aug 18, 2013 6:04 pm
 
Forum: Investing - Theory, News & General
Topic: Liability Policy Statement
Replies: 4
Views: 314

Re: Object oriented programming for a high school junior

I would strongly recommend starting with "C", moving over to C++, and then picking up managed languages like Java or C#.
by quanuec
Sun Aug 18, 2013 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Object oriented programming for a high school junior
Replies: 82
Views: 4541

Re: Investment Policy Statement - Request for Comments.

Thanks very much for all your comments. I am posting my updated IPS using all your awesome feedback. https://docs.google.com/document/d/1EHmp1cwF-AIKnHXNpWfp3gjngTN7v-MT-m4HstURMUo/edit 1: Instead of Emergency Capital, calling it "Short Term Capital". 2: Short term securities - Saving acco...
by quanuec
Sun Aug 18, 2013 5:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Policy Statement - Request for Comments.
Replies: 11
Views: 866

Second New York Meetup - August 17th, Sony Atrium

Bogleheads! Next meetup is a week away! I am super excited to meet you all :) Date: August 17th, 2013. Time: 12:30pm to 4:30pm. Venue:Sony Atrium - 550 Madison Ave New York, 10022 Contact: bogleheadnyc@gmail.com I have taken the liberty to set up the agenda for this meetup. Please let me know if you...
by quanuec
Sat Aug 10, 2013 12:26 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: New York Meetup - June 13th, Sony Atrium
Replies: 1
Views: 958

Re: New York City Local Chapter established

Bogleheads! Next meetup is a week away! I am super excited to meet you all :) Date: August 17th, 2013. Time: 12:30pm to 4:30pm. Venue:Sony Atrium - 550 Madison Ave New York, 10022 Contact: bogleheadnyc@gmail.com I have taken the liberty to set up the agenda for this meetup. Please let me know if you...
by quanuec
Sat Aug 10, 2013 12:25 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: New York City Local Chapter established
Replies: 99
Views: 8275

Re: New York City Local Chapter established

Pearl27 - write to me at bogleheadnyc@gmail.com and I will add you to the group. we are meeting on August 17th...check out for an email from me soon..
by quanuec
Tue Aug 06, 2013 8:45 am
 
Forum: Local Chapters and Bogleheads Community
Topic: New York City Local Chapter established
Replies: 99
Views: 8275

Investment Policy Statement - Request for Comments.

Thanks a lot for all your tips and suggestions in the last month or two. I just finished the first draft of my IPS and would really appreciate feedback. https://docs.google.com/document/d/1EHmp1cwF-AIKnHXNpWfp3gjngTN7v-MT-m4HstURMUo/pub ** Ages 32 & 30 (me & spouse). ** Tax bracket - (33% &a...
by quanuec
Sun Jul 21, 2013 3:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment Policy Statement - Request for Comments.
Replies: 11
Views: 866

Re: New York Meetup - List of topics for meetups.

Hi everyone, my name is [(removed)] from New Rochelle, NY and would like my contact information to be added to any list that is created to keep NY Chapter members informed of any upcoming Meet-Up's. Thank you, Email: [(removed)] [I removed personally identifying information, which is not a good ide...
by quanuec
Sun Jul 14, 2013 5:49 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: New York Meetup - List of topics for meetups.
Replies: 7
Views: 1162

Re: What time to Vanguard Funds close/settle daily?

nopes - thought asking here would be quicker
by quanuec
Sun Jul 14, 2013 3:13 pm
 
Forum: Investing - Theory, News & General
Topic: What time do Vanguard Funds close/settle daily?
Replies: 5
Views: 544

What time do Vanguard Funds close/settle daily?

Is it 2:30pm or 4:00pm. Where can I find this information?
by quanuec
Sun Jul 14, 2013 2:59 pm
 
Forum: Investing - Theory, News & General
Topic: What time do Vanguard Funds close/settle daily?
Replies: 5
Views: 544

Re: IRA to 403b conversion question

Thank you DS & kan. It is completely clear to me what to do next ! This board seriously ROCKS!!!
by quanuec
Sat Jul 13, 2013 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA to 403b conversion question
Replies: 7
Views: 331

Re: IRA to 403b conversion question

You use the term deposit which I assume is your IRA contribution. What do you mean by invested in (c)? I don't think you can contribute more after you've maxed out the contribution limit. From your example, it seems that you made non-deductible contributions (IRA basis) in 2012 and 2013 adding up t...
by quanuec
Sat Jul 13, 2013 2:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA to 403b conversion question
Replies: 7
Views: 331

Re: IRA to 403b conversion question

Thanks kanehoe.

Can someone else take a look at my example and let me know if I am correct in my calculations?
by quanuec
Sat Jul 13, 2013 10:41 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA to 403b conversion question
Replies: 7
Views: 331

IRA to 403b conversion question

We found that we can convert my wife's traditional IRA into her 403b. This gets us one step closer to starting backdoor roth. Could someone review the following and let me know if my interpretation is correct (have made up some numbers here) - (a): $5000 was deposited in a Traditional IRA CD in year...
by quanuec
Fri Jul 12, 2013 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA to 403b conversion question
Replies: 7
Views: 331

Re: How unhealthy is beer?

tell us more about the gentleman's club...
by quanuec
Fri Jul 12, 2013 8:08 pm
 
Forum: Personal Consumer Issues
Topic: How unhealthy is beer?
Replies: 8
Views: 1041

Cramer says not to invest in Index Funds :)

"Cramer reminded that the whole premise of Mad Money is predicated on his belief that you can do better than many pros by actively managing your portfolio." http://www.cnbc.com/id/49918951 I fear how many will literally get burned following this! Advocating average joes to actively manage ...
by quanuec
Wed Jul 10, 2013 9:55 pm
 
Forum: Investing - Theory, News & General
Topic: Cramer says not to invest in Index Funds :)
Replies: 43
Views: 6660

Re: Wash sale 101

Jim180 wrote:
quanuec wrote:How about (a) were VTI and (b) were SPY?

We know there is a 20% difference between those two ETF's so IMO that would not be a wash sale.


20%?
by quanuec
Wed Jul 10, 2013 7:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wash sale 101
Replies: 10
Views: 498

Re: Wash sale 101

How about (a) were VTI and (b) were SPY?
or say (a) were short term corporate bonds and (b) intermediate us bond index fund?
by quanuec
Wed Jul 10, 2013 6:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wash sale 101
Replies: 10
Views: 498

Wash sale 101

(a): Say on August 1 2013, I dispose of $1000 worth of VTI in my taxable account. Lets say I have a realized loss of $50 here.
(b): On August 5th 2013, payroll deducts $2000 from my salary and invests $1000 in VTI and the rest i say bonds in my 401k.

Question - Is $50 a wash sale?
by quanuec
Wed Jul 10, 2013 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wash sale 101
Replies: 10
Views: 498

Re: Foreign Tax Credit 101

beautiful reply - exactly what I wanted! Thanks very much.

I will continue holding TISM in 401k. <Just like will DCA instead of lump sum irrespective of what the majority says :)>
by quanuec
Tue Jul 09, 2013 8:24 pm
 
Forum: Investing - Theory, News & General
Topic: Foreign Tax Credit 101
Replies: 9
Views: 931

Foreign Tax Credit 101

Can someone kindly explain the concept behind "foreign tax credit" in context of TISM? Say for example an investor wishes to invest 100k in TISM. He/she has the option of holding TISM within a Traditional 401k or within a taxable. What will be the tax credit loss in terms of holding within...
by quanuec
Tue Jul 09, 2013 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: Foreign Tax Credit 101
Replies: 9
Views: 931

Re: New York Meetup - List of topics for meetups.

abrix wrote:Hi all. I live in NYC and would be interested in attending the next meetup. What's the best way to find out about it?


viewtopic.php?f=9&t=778

Chapter 55 - New York City
Contact - Tarun (bogleheadnyc@gmail.com)
by quanuec
Mon Jul 08, 2013 9:42 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: New York Meetup - List of topics for meetups.
Replies: 7
Views: 1162

Re: NYC Tax Refund Status

http://taxes.lohudblogs.com/2013/05/09/ ... ers-in-ny/

did you file a paper return or an electronic one?
by quanuec
Sun Jul 07, 2013 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: NYC Tax Refund Status
Replies: 5
Views: 483

NYC Tax Refund Status

Have you received yours? I filed mine around April 15th and haven't heard back yet. The check your refund link continues to tell me that they have no information on my return.
by quanuec
Sun Jul 07, 2013 9:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: NYC Tax Refund Status
Replies: 5
Views: 483

Re: Is Non-deductible IRA foolish?

around 25k combined (me & spouse) ...tax rate ~ 43%...
by quanuec
Sat Jul 06, 2013 2:14 am
 
Forum: Investing - Theory, News & General
Topic: Is Non-deductible IRA foolish?
Replies: 37
Views: 2102

Re: Is Non-deductible IRA foolish?

And if one get that qualified dividend income in a non-deductible IRA, what will the eventual tax on it be? Until you withdraw or have RMDs, it is zero. After that, who knows ? For many people, the federal tax bracket is likely to be lower in retirement as well. But of course what happens to taxes ...
by quanuec
Fri Jul 05, 2013 10:55 pm
 
Forum: Investing - Theory, News & General
Topic: Is Non-deductible IRA foolish?
Replies: 37
Views: 2102

Re: Is Non-deductible IRA foolish?

madbrain wrote:
quanuec wrote:what about the taxes on dividends which need to be paid regularly in taxable and are neatly avoided in tax deferred?


It will be simpler, except for the filing of form 8606 every year.


keeping a record of 8606 is the bigger issue in my opinion :)
by quanuec
Fri Jul 05, 2013 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: Is Non-deductible IRA foolish?
Replies: 37
Views: 2102

Re: Is Non-deductible IRA foolish?

what about the taxes on dividends which need to be paid regularly in taxable and are neatly avoided in tax deferred? That's where "tax efficient" comes in. Don't make taxable investments that throw off significant distributions, unless you are looking for the income. There is no 100% righ...
by quanuec
Fri Jul 05, 2013 10:09 pm
 
Forum: Investing - Theory, News & General
Topic: Is Non-deductible IRA foolish?
Replies: 37
Views: 2102

Re: Is Non-deductible IRA foolish?

what about the taxes on dividends which need to be paid regularly in taxable and are neatly avoided in tax deferred?
by quanuec
Fri Jul 05, 2013 9:53 pm
 
Forum: Investing - Theory, News & General
Topic: Is Non-deductible IRA foolish?
Replies: 37
Views: 2102

Re: Is Non-deductible IRA foolish?

One should have plenty of deductible accounts for holding income producing assets. There is also no tax liability on contributions to a taxable account. That is, return of capital is tax-free. Plus one can easily tax-loss harvest. Try doing that in a non-deductible IRA. Plus one can easily tax-loss...
by quanuec
Fri Jul 05, 2013 9:11 pm
 
Forum: Investing - Theory, News & General
Topic: Is Non-deductible IRA foolish?
Replies: 37
Views: 2102

Re: Is Non-deductible IRA foolish?

Yes, it is foolish. I have one from years ago and wish I didn't. A taxable account invested tax-efficiently is the way to go when you cannot contribute to a Roth with the money. The taxable account may even make your traditional 401(k) and deductible IRA tax-free when you withdraw in retirement, so...
by quanuec
Fri Jul 05, 2013 9:09 pm
 
Forum: Investing - Theory, News & General
Topic: Is Non-deductible IRA foolish?
Replies: 37
Views: 2102

Re: Is Non-deductible IRA foolish?

Could you explain more? Isnt the tax deffered nature of these accounts attractive to hold income producing assets? At withdrawal, you still dont have tax liability on your contributions....
by quanuec
Fri Jul 05, 2013 9:06 pm
 
Forum: Investing - Theory, News & General
Topic: Is Non-deductible IRA foolish?
Replies: 37
Views: 2102

Is Non-deductible IRA foolish?

Say year after year you are doing a non-deductible IRA and not setting up a backdoor IRA. You are not doing a backdoor IRA because your tax bracket is high and you feel stupid converting i.e. you took the tax break years back at a lower tax bracket, and if you now convert, you will pay 10-20% more. ...
by quanuec
Fri Jul 05, 2013 9:03 pm
 
Forum: Investing - Theory, News & General
Topic: Is Non-deductible IRA foolish?
Replies: 37
Views: 2102

Re: Wells Fargo/WellsTrade

Yes it was a great deal. I managed to sneak in this March and I am grandfathered. Do note that this required minimum 50k in assets across all your wells accounts.
by quanuec
Fri Jul 05, 2013 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: Wells Fargo/WellsTrade
Replies: 7
Views: 657

Re: TSM and TSIM in Taxable

Yes, there might be. Say muni bonds in taxable and stocks in a Roth, but a Roth is not tax-deferred. The recent thrill of bonds in taxable I think stems mostly from the idea that bonds will lose money and so one can tax-loss harvest at the bottom and get bonds back into tax-deferred at that point. ...
by quanuec
Thu Jul 04, 2013 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSM and TSIM in Taxable
Replies: 8
Views: 729

Re: TSM and TSIM in Taxable

Thanks livesoft. so can there be a coondition where I might be better off with stocks in tax deferred and bonds in taxable?
by quanuec
Thu Jul 04, 2013 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: TSM and TSIM in Taxable
Replies: 8
Views: 729

TSM and TSIM in Taxable

Can someone kindly explain me all tax consequences of holding TSM and TSIM in taxable? In particular, I am interested in learning the tax aspect behind the maxim - "bonds in tax deffered and stocks in taxable.". The best that I understand this is that coupon on bonds is ordinary income, bu...
by quanuec
Thu Jul 04, 2013 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: TSM and TSIM in Taxable
Replies: 8
Views: 729

Re: 401k T or Roth & dependence with tax bracket

So choosing a 401k Roth is a pure gamble?
by quanuec
Mon Jul 01, 2013 8:38 am
 
Forum: Investing - Theory, News & General
Topic: 401k T or Roth & dependence with tax bracket
Replies: 9
Views: 628
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