Bogleheads.org

I use KeePassX on my Mac without any issues.

I don't think this requires Mono -- I found the installation relatively straightforward and the application works pretty well.

Thanks for the help Alan. My distribution code on 1099-R is 2, line 14 is 0, and line 18 is 0. It looks like everything is calculated correctly on those parts. Still, I would have hoped to see something filled in on the indented section (6-12). Just checked TaxAct and it has it. My 2011 return (Turb...

Yeah I did visit that site. I deleted my 1099-R, followed his instructions to the T (except minor version issues) and my Form 8606 does not have lines 8, 9, or 10 populated hence why I think this may be an error.

Yeah I did read it over and my impression was that this is a conversion and not a recharacterization as the IRS rules state: "Any recharacterized conversion or Roth IRA rollover from a qualified retirement plan will be treated as though the conversion or rollover had not occurred. Any recharact...

Hi, This year I did a backdoor Roth IRA (made a non-deductible contribution in 2012 and immediately converted it to a Roth in 2012). I entered this into TurboTax and Part II is correctly filled out. However, in Part I, line 8 is empty. I called up TurboTax and the lady mentioned that because what I ...

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In 2010 I filed a tax return, but I immediately noticed my accountant messed up a ton of stuff so I had to file amended return. Among the items corrected was a missing form 8606 for 2010 (I made a nondeductible TIRA contribution), which I included in the amended return. I am somewhat concerned about...

Not true. I set mine up to pay the full balance. No more, no less. What!? Can you tell me where? I just checked again: I went to Pay Bill, clicked Auto-Pay, and was presented with two options: "I do not want to participate in auto-pay" and "Sign me up for auto-pay with these options&...

I use automatic billpay for my credit cards. I get the most float and am never at risk of paying late.

The interest gained probably isn't much (.40% in checking last I checked) but I get a weird satisfaction I'm doing the most money-earning thing, even if it does amount to pennies....

Hi, I am planning on withdrawing ordinary Roth contributions for prior years. How do I do this through Vanguard? Do I need to specify the specific years I am withdrawing so it is accurately report on tax forms by Vanguard? Also, my understanding is that this will need to be reported on Form 8606, Pa...

Thanks for the answers everyone, they have been really helpful!

My earnings do not meet the 5 year test, so it seems those will have to stay. It looks like I can withdraw $20,000 penalty-free.

Hey Bogleheads, I am considering using my Roth IRA for my first home purchase. Here is a breakdown of my contributions/conversions: $5,000 contribution - 2008 year $5,000 contribution - 2009 year $5,000.23 conversion - 2011 year (converted from non-deductible traditional IRA contributed for 2010 tax...

+1 for Hoboken

dailybagel, my career is the same as yours and I would advise against it. You don't want to come off as greedy and jeopardize a solid job offer. This actually happened to me a couple of months ago (very good offer, negotiated, fell through). Some say negotiate every offer, but I am a bit jaded from ...

It was fun to try but I think I'm not going to re-invest anymore after having been on it for two years. Reasons I do not like it: - Tax headache (I *hate* doing taxes though) - Not tax-efficient FWIW, I have gotten a 9.35% net return on a total of 82 loans, though 6 of these charged off and 3 are la...

I guess count me as one on the "only eat out" side of the spectrum -- I have not used my kitchen since I moved into my apartment 6 months ago. I live in the NYC area and a $7 burrito at Chipotle is worth its weight in gold compared with the time and hassle of grocery shopping, cooking food...

I don't really think you have anything to worry about as both Visa and MasterCard both have zero liability policies.

I was in the same boat as you, I ended up consulting my local CPA who offered payroll services through ADP. It wasn't very expensive (something like $50 a month for one employee paid monthly) and they take care of a lot of the tax stuff for you. You actually give them power of attorney and file all ...

I used to live in a Chicago suburb, I would say that for a family of 4, the income of someone living and working in NYC needs to be at least 2x that of someone working in the Chicago area to ensure the same quality of life with respect to housing and education. Despite the claim by many politicians...

I like the idea of the target fund for starting out. It's good to have diversification from the beginning. Once you have enough invested, you can exchange it for its underlying funds and then eventually convert to admiral class. I agree with others here that you should have significant savings in t...

Where are you from? I use Chase and they make all unknown computers register via two-factor authentication. Just to get the terms straight, this type of security isn't two factor, but rather, it's usually referred to as twice-as-much-of-one-factor. In the lingo, a factor refers not just to an authe...

No offense to the Americans here, but online banking security in the US is well really quite bad compared to what I am used to before I came here. I'm not too familiar with identity theft statistics worldwide, but I will not be surprised if the US has one of the highest identity theft rates in the ...

Thanks for the heads up. I think that given the nature of what they are doing (taking cash without an envelope), they have to have a process in place when this happens (not to say that they actually do, but they should). Absent that, it seems like they are setting themselves up for some sort of liab...

Not using a credit card has zero impact on your credit score -- you can have many old cards that you don't use, and not using them won't hurt you at all. Getting this new card will impact your credit rating, though: 1. You will get dinged for having CapitalOne check your credit, and 2. The average ...

Not using a credit card has zero impact on your credit score -- you can have many old cards that you don't use, and not using them won't hurt you at all. Getting this new card will impact your credit rating, though: 1. You will get dinged for having CapitalOne check your credit, and 2. The average a...

I also read somewhere that closing a credit card could hurt your credit score. Correct. should I apply for this capital one card, even though it is not the credit card of my choice? Probably, if it will help you build your credit. A no-rewards credit card is better than a secured card, and unless y...

I am skeptical of this poll, since people often underestimate/underreport their financial resources when answering to the poll questions. It is like asking men about their height and women about their weight and age. "Ignorance more frequently begets confidence than does knowledge" - Char...

I live in Hoboken and like it quite a bit. The crowd is mostly 20s and 30s and there's lot of social activities like ZogSports, etc. to meet people. Takes me 30 minutes to commute into Midtown.

Thanks for the helpful feedback. I'm actually looking to max out Roth IRA and 401k this year. I guess I always knew I needed an emergency fund, but it helps someone else telling me this too. I'll start putting money aside for that. I should probably be a bigger saver too, I agree that I need to take...

portfolio

If you don't have anything to lose by going on the interviews, and you think the positions could be better, I would highly recommend at least *going* to them. Then, if you get a different offer, worry about reneging. If you are in the position to renege, I would say you should do what is most benefi...

My account at Ally has a similar restriction. It only applies to savings accounts. They also cite federal laws.

Seem to remember either Bogle or Malkiel saying that a broad based index of U.S. companies will give you more than enough international exposure. But I could be wrong? I believe Bogle recommends 20% (the lower end of the 20-40% range mentioned in that PDF), taking into consideration many US large c...

What about diversifying internationally (say, 20% in VTIAX)
https://institutional.vanguard.com/iip/pdf/ICRIECR.pdf

The diversification benefits (mentioned in the above pdf) seem to far outweigh the simplicity of buying into just one fund.

15k service intervals on my '03 BMW (since purchased new). So far no issues.

I always leave a cash tip and also pay cash for the bill. Not giving my credit card to anyone who is out of my sight. investor People like this amaze me. live a little, trust me it'll all be okay. You know how many hundreds of hours it takes to clean up identity theft? An ounce of prevention.... Th...

I second not putting Ubuntu on the machine.

Thanks a lot for the helpful advice :D. The Wiki link was very helpful. I am expecting to earn a lot more money this year than I will be next year, so I think I will convert to a traditional IRA this year and a Roth next year, since I agree it seems like a Roth is a better choice based on what you h...

Hey,

I have a $18,000 in a 401k.

Should I convert this to a Roth IRA or a Traditional IRA?

I don't want to move to my employer's 401k as it's at Oppenheimer funds and the expense ratios of the funds are rather high in comparison to Vanguard (~1%).

Thanks.

A book was written about this that I encourage you to read, it's called "Lights in the Tunnel". It's available as a free PDF on the book website, which I unfortunately can't post because I'm a newbie .

Just google it -- you won't be disappointed.

Yes, there is a law that states that you cannot call someone after they have instructed you not to call them. It's called the Telephone Consumer Protection Act of 1991. There's a PDF on the Internet which I can't link to because I'm new. Google "How to sue telemarketers". It describes the ...

A good idea would be to find a nice suburb in New Jersey or Connecticut near an MTA mass transit line, with a low commute time. These places don't have the "vibrancy" of the city, to be sure. However, they have cheaper cost of living (no 3% city tax, or $5,500), and are better places to ra...