Search found 164 matches
- Thu Jan 31, 2019 1:57 pm
- Forum: Personal Investments
- Topic: VEMAX + VTMGX or just VTIAX or VFWAX?
- Replies: 11
- Views: 2994
Re: VEMAX + VTMGX or just VTIAX or VFWAX?
It would help if you include the NAME instead of only the symbol. Not everyone knows or cares to lookup the name for those Funds.
- Fri Nov 09, 2018 5:33 pm
- Forum: Personal Consumer Issues
- Topic: How to stop junk mail for a deceased person
- Replies: 61
- Views: 11387
Re: How to stop junk mail for a deceased person
I had the same problem even after notifying the senders (mostly magazine companies) and the Postal Service. Finally I sent a new change of address to the cemetery where she currently resides. Never heard from them again
- Wed Jul 11, 2018 4:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: Penn Fed 3% 5 year CD's 30% penalty if early withdraw
- Replies: 5
- Views: 1224
Re: Penn Fed 3% 5 year CD's 30% penalty if early withdraw
Andrews Federal Credit Union is offering a 9 month CD paying 2.75 percent APR.
andrewsFCU.org
Note: Each individual member limited to one Special 9-Month Certificate during the promotional period
For Early Withdrawal a penalty of 90 days of dividends is imposed
andrewsFCU.org
Note: Each individual member limited to one Special 9-Month Certificate during the promotional period
For Early Withdrawal a penalty of 90 days of dividends is imposed
- Sat Mar 10, 2018 6:43 pm
- Forum: Personal Finance (Not Investing)
- Topic: Question Regarding State Tax Returns
- Replies: 5
- Views: 940
Re: Question Regarding State Tax Returns
For Turbo Tax https://ttlc.intuit.com/questions/1901214-how-do-i-prepare-a-joint-federal-return-and-separate-state-returns For TaxAct (similar procedure) TaxAct Return #1 - Spouse A and Spouse B prepare a federal return with filing status Married Filing Joint Return, including both spouse's information. This federal return would be filed. TaxAct Return #2 - Spouse A prepares a federal return with filing status Married Filing Separate Return, including only Spouse A's information (Do not file this federal return). Attach a state return to this federal return so Spouse A's information will flow to the state return. File this state return. TaxAct Return #3 - Spouse B prepares a federal return with filing status Married Filing Separate Return,...
- Thu Feb 08, 2018 3:37 pm
- Forum: Personal Investments
- Topic: Help choosing Emerging Market Funds/ETFs
- Replies: 8
- Views: 1624
Re: Help choosing Emerging Market Funds/ETFs
Vanguard Emerging Markets Stock Index Fund Admiral Shares (VEMAX) for $10,000 or more
Vanguard Emerging Markets Stock Index Fund Investor Shares (VEIEX) for less than$10,000
Both are low cost broad based index funds
Vanguard Emerging Markets Stock Index Fund Investor Shares (VEIEX) for less than$10,000
Both are low cost broad based index funds
- Wed Dec 20, 2017 5:52 pm
- Forum: Personal Finance (Not Investing)
- Topic: Navy Federal CU, 15mo 2.25% CD
- Replies: 3
- Views: 1120
Re: Navy Federal CU, 15mo 2.25% CD
Ally Bank is another good deal. 2 percent for a 1 year Certificate, no limit on balance, and open to all.
- Wed Nov 22, 2017 7:24 pm
- Forum: Personal Investments
- Topic: Concerned parent :(
- Replies: 55
- Views: 9205
Re: Concerned parent :(
Most people advise a 529 plan, but I believe that a UGMA would be better for savings in today’s low interest environment. At 2 percent interest, the account would need to have $50 thousand in order to exceed the $1000 tax free interest reporting amount for a minor. In addition the UGMA may be used for any expenses incurred by the child, not only for college. Also the 529 has expenses/fees that exceed that of a UGMA account and is more difficult to transfer from one custodian to another.
- Sat Oct 14, 2017 2:28 pm
- Forum: Personal Investments
- Topic: Can I fund my dad's taxable account?
- Replies: 10
- Views: 1609
Re: Can I fund my dad's taxable account?
When your Dad opens his taxable account, have him request deposit slips and prepaid envelopes. Upon receipt, grab a few for yourself.
To make a deposit to his account:
1. Write your check payable to "The Vanguard Group" (adding fund number).
2. Include his account number on the check. Date and Sign. No endorsement is required since it is directly payable to Vanguard.
3. Enclose in Vanguard envelope along with the completed deposit slip and mail
To make a deposit to his account:
1. Write your check payable to "The Vanguard Group" (adding fund number).
2. Include his account number on the check. Date and Sign. No endorsement is required since it is directly payable to Vanguard.
3. Enclose in Vanguard envelope along with the completed deposit slip and mail
- Mon Sep 04, 2017 2:13 pm
- Forum: Investing - Theory, News & General
- Topic: Do you use lifestrategy/ asset allocation funds?
- Replies: 77
- Views: 18001
Re: Do you use lifestrategy/ asset allocation funds?
We are 100 percent invested in Life Strategy in all IRA accounts (Traditional and Roth). Although the E/R is slightly higher than the underlying individual funds, it is automatically rebalanced daily which is well worth the additional cost. The LS also seems better than Target Retirement because the allocation remains constant until specifically changed by the investor.
- Tue Jun 13, 2017 11:08 am
- Forum: Personal Consumer Issues
- Topic: Watch Batteries
- Replies: 53
- Views: 7206
Re: Watch Batteries
Perhaps you need a different brand watch. I have 3 Casio WaveCeptors (connects with NIST daily to self adjust time) and they only require battery replacement every 10 years. And the batteries are less than $10. Plus there are numerous solar watches.I have a watch that needs battery replacement every year @$7.50/year.
- Sat Jun 03, 2017 3:08 pm
- Forum: Personal Investments
- Topic: Where to put IRA money for next year?
- Replies: 9
- Views: 1294
Re: Where to put IRA money for next year?
Invest in a taxable account consistent with asset allocation.
- Fri Jan 27, 2017 4:25 pm
- Forum: Investing - Theory, News & General
- Topic: If market crashed 50%, would you do a 401k roth conversion?
- Replies: 22
- Views: 3662
Re: If market crashed 50%, would you do a 401k roth conversion?
YES for both a 401 K and IRA.If market crashed 50%, would you do a 401k roth conversion?
You would get twice the number of shares for the same tax cost.
- Thu May 05, 2016 1:05 pm
- Forum: Investing - Theory, News & General
- Topic: Your age in bonds minus ten? Not according to Vanguard
- Replies: 93
- Views: 19065
Re: Your age in bonds minus ten? Not according to Vanguard
Vanguard’s risk questionnaire doesn’t ask about age at all. Nor does it consider other sources of income. Depending on the answers, an 80 year old could be recommended the same allocation as a 20 year oldboglephreak stated that Vanguard recommended 100% stocks to me. 60 total us, 40 total intl.
https://personal.vanguard.com/us/funds/ ... mmendation
- Wed May 04, 2016 4:31 pm
- Forum: Investing - Theory, News & General
- Topic: LifeStrategy Moderate Growth fund or its components?
- Replies: 33
- Views: 5033
Re: LifeStrategy Moderate Growth fund or its components?
Nope. Actually the Life Strategy Funds should probably do better since they are automatically rebalanced every day, while owning the individual funds requires periodic manual balancing which is subject to the influence of market noise.Kelly wrote: Is there any reason why the LifeStrategy fund wouldn't produce nearly the same results if held in an IRA (assuming the individual funds were rebalanced to target every year)?
- Sun May 01, 2016 3:57 pm
- Forum: Personal Consumer Issues
- Topic: Consumer Reports Magazine & Website
- Replies: 99
- Views: 13775
Re: Consumer Reports Magazine & Website
I agree----there seems to be more of an "agenda" and associated with CR now, at least in comparison to years back Actually the agenda began, years ago , when Ralph Nader was hired as the chairman / president of CU and later resigned because CU did not push hard enough in his opinion on safety / environmental issues. Over the years CU has focused more and more on social / environmental issues and less on product testing because proper product testing is expensive, since they must purchase the vehicles, appliances, etc. and perform scientific evaluations. It is much cheaper to simply write an article on medical care, insurance, credit cards, etc. I also did not renew my long term subscription because product testing went down hill,...
- Tue Apr 19, 2016 6:33 pm
- Forum: Personal Consumer Issues
- Topic: New grad [housing options in] moorestown, nj area
- Replies: 13
- Views: 1906
Re: New grad moorestown, nj area
Moorestown is great to live but has limited apartments and higher rents. Mount Laurel seems the best and is adjacent to Moorestown with a 10 minute commute. Lots of apartments at decent rates (for NJ), Shops, Restaurants, Rowan University. Other choices are Marlton, about 15 or 20 min away: Trendy shops, Restaurants. Medford, about 20 minutes away, more country atmosphere. Don’t live in Philadelphia: very high apartment rents, city wage tax even if you work in NJ, $4 or $5 toll each day to cross bridge, 30 minute commute to Moorestown. Also avoid Camden, NJ
- Wed Apr 06, 2016 4:38 pm
- Forum: Personal Investments
- Topic: Investing during recession
- Replies: 32
- Views: 4854
Re: Investing during recession
Stay the course.
- Wed Mar 30, 2016 4:21 pm
- Forum: Personal Investments
- Topic: Which account should be more aggressive, Roth or traditional IRA
- Replies: 21
- Views: 6128
Re: Which account should be more aggressive, Roth or traditional IRA
If you plan to keep the IRA for a very long term, 20 years or more before withdrawals, IMO a Roth should probably have more aggressive funds, since over the long term stocks have advanced. For shorter terms before withdrawals, the Traditional IRA should probably be more aggressive since the government will share, (usually 25 percent) of any losses. With a Roth you assume 100 percent of losses.
However this is just my opinion and hopefully others have researched this further.
However this is just my opinion and hopefully others have researched this further.
- Sun Mar 27, 2016 6:07 pm
- Forum: Personal Finance (Not Investing)
- Topic: Would you pay more for USAA?
- Replies: 23
- Views: 3946
Re: Would you pay more for USAA?
Interest on checking, no fees, no minimums, and reimbursement of ATM chargesWhy would you say YES for USAA for checking?
- Sat Mar 26, 2016 12:11 pm
- Forum: Personal Finance (Not Investing)
- Topic: Would you pay more for USAA?
- Replies: 23
- Views: 3946
Re: Would you pay more for USAA?
YES, for Auto and Homeowners Insurance because it is not only annual cost but great service and claims handling that must be compared. Other firms may quote a lower cost but ding you with poor service, lower settlements and denials on claims.
YES for Checking, but NO on Savings and Credit Cards.
NO, definitely, on Investment Products because of high expenses. The only decent Mutual fund is the USAA S&P 500 Indexed Fund and even the expense ratio on that is 0.25 vs .05 percent at Vanguard. Others are way higher than comparable Vanguard Funds.
Not sure on Life Insurance or Annuities.
YES for Checking, but NO on Savings and Credit Cards.
NO, definitely, on Investment Products because of high expenses. The only decent Mutual fund is the USAA S&P 500 Indexed Fund and even the expense ratio on that is 0.25 vs .05 percent at Vanguard. Others are way higher than comparable Vanguard Funds.
Not sure on Life Insurance or Annuities.
- Sun Mar 13, 2016 5:17 pm
- Forum: Personal Investments
- Topic: Are CDs Becoming A Worse Investment?
- Replies: 40
- Views: 6828
Re: Are CDs Becoming A Worse Investment?
Toons wrote:
That is so true. CD pays 2 percent. Inflation is 3 percent, Taxes on the CD are 0.5 percent. Result is Depreciation of 1.5 Percent per yearI consider them Certificates of Depreciation for long term monies
- Sun Mar 13, 2016 4:21 pm
- Forum: Personal Investments
- Topic: advice for retirees in 80's
- Replies: 6
- Views: 1487
Re: advice for retirees in 80's
You are giving excellent advice on moving his investments to Vanguard Retirement Income or Target Retirement 2015. If he insists on staying with a single stock, try mentioning Enron, World Com, Chrysler and even GM. How would he feel if he lost everything, as these other investors did
- Sun Mar 13, 2016 4:08 pm
- Forum: Personal Finance (Not Investing)
- Topic: TurboTax - started with Premier but don't know I needed it?
- Replies: 11
- Views: 2586
Re: TurboTax - started with Premier but don't know I needed it?
I have only used the desktop (box) version over the years and originally started with Premier and later downgraded to Deluxe after finding there was no difference (except in the 2015 version). The 2016 version of Deluxe will accept everything that was previously saved in Premier and will also import everything that Premier will. Intuit tries to get you to upgrade to the Premier version stating that you can call for support on investments, but Deluxe has everything you need.
- Thu Mar 10, 2016 9:36 am
- Forum: Personal Investments
- Topic: Is Roth IRA superior to Traditional IRA if you cannot deduct tIRA on state taxes? (NJ)
- Replies: 31
- Views: 3141
Re: Is Roth IRA superior to Traditional IRA if you cannot deduct tIRA on state taxes? (NJ)
NJ does not allow Traditional IRA deductions, as previously stated, but you are not taxed when receiving those distributions if retiring in NJ. The problem is that you need to keep track of all the contributions over the years so you can apportion the contributions from the interest, dividends, and capital gains which are taxed. It can be a paperwork nightmare. Also if you retire in another state with an income tax, IMO, you must pay tax on all distributions.
Contributing to a Roth IRA eliminates both problems.
Contributing to a Roth IRA eliminates both problems.
- Mon Mar 07, 2016 8:33 pm
- Forum: Personal Finance (Not Investing)
- Topic: Turbo Tax - Deluxe or Premier?
- Replies: 20
- Views: 3954
Re: Turbo Tax - Deluxe or Premier?
The 2016 Deluxe version will do everything that Premier can. All that Premier does is provide some hand holding support according to Intuit.
- Mon Mar 07, 2016 8:10 pm
- Forum: Personal Investments
- Topic: Young Army Officer in Need of Financial Plan Feedback
- Replies: 33
- Views: 4039
Re: Young Army Officer in Need of Financial Plan Feedback
No one knows what the market will do tomorrow, next year, or the next decade so there is no reason to wait. The TSP is the best fund group in the world. if you are nervous, place the $18000 in the G fund for now and dollar cost average it into other fund groups, or the L fund, over the next 6 months.
- Mon Mar 07, 2016 4:32 pm
- Forum: Personal Investments
- Topic: Young Army Officer in Need of Financial Plan Feedback
- Replies: 33
- Views: 4039
Re: Young Army Officer in Need of Financial Plan Feedback
Warner 25 wrote: Some thoughts from a senior captain here: 1. The TSP is an awesome benefit that is severely under utilized by most Soldiers because... I'm not sure why. Max it out and stay-the-course. 2. Your total compensation (it rarely makes sense to talk about basic pay alone) will double over the next 5-10 years. Avoid the typical pattern of lifestyle inflation and you'll be well on your way to winning the game, financially. 3. Gone are the days when we could simply choose to stay until retirement (i.e. promotion to lieutenant colonel for anyone with a pulse). Now promotion to major is effectively a coin flip's chance, and even getting to captain is somewhat competitive. Many perfectly decent officers are being cut after 5-10 years. ...
- Sun Mar 06, 2016 2:44 pm
- Forum: Personal Investments
- Topic: Allocation and Vanguard Personal Advisory Services
- Replies: 5
- Views: 931
Re: Allocation and Vanguard Personal Advisory Services
+1One comment to make about PAS is that they recommend pretty much cookie cutter advice. This extends to their current sense of international allocation and to the tip of a hat to investment grade bonds. It is a little hard to understand why one would pay 0.3% for what can be given to anyone on a quarter sheet of paper.
- Fri Mar 04, 2016 2:49 pm
- Forum: Investing - Theory, News & General
- Topic: "The Retirement Revolution That Failed: Why the 401(k) Isn’t Working"
- Replies: 6
- Views: 2088
Re: "The Retirement Revolution That Failed: Why the 401(k) Isn’t Working"
The problem is that most people prefer Instant Gratification in preference to sound Financial Planning.
With a Defined Benefit Plan, the company sets aside a portion of the employees’ cost for retirement. With a 401k Plan the employee receives that extra amount as part of his/her gross salary and has to decide whether to spend or save it. When given a choice most people will find a reason to spend that extra amount. Then when it is time to retire they blame the plan or someone else for having nothing saved.
With a Defined Benefit Plan, the company sets aside a portion of the employees’ cost for retirement. With a 401k Plan the employee receives that extra amount as part of his/her gross salary and has to decide whether to spend or save it. When given a choice most people will find a reason to spend that extra amount. Then when it is time to retire they blame the plan or someone else for having nothing saved.
- Sat Feb 20, 2016 3:03 pm
- Forum: Personal Investments
- Topic: Vanguard Personal Adviser Service vs Bogleheads Advice
- Replies: 7
- Views: 1585
Re: Vanguard Personal Adviser Service vs Bogleheads Advice
Is there a minimum time period required when enrolling in the Personal Adviser Service?
- Tue Jun 30, 2015 7:46 pm
- Forum: Personal Finance (Not Investing)
- Topic: Using an Ally savings account from Vanguard
- Replies: 18
- Views: 8763
Re: Using an Ally savings account from Vanguard
I have linked my Vanguard account to Ally with no issues, and have purchased and sold Vanguard shares with the proceeds being transferred automatically between Vanguard and Ally. Here are the steps: Establish an account with Ally, preferably using the same owner registration, if Vanguard is a joint account Ally should be a joint account. (A different registration will also work but may delay verification.) After Ally is established, Go to your Vanguard account, Account maintenance, Bank information, and click on Add new Bank. You will need the Ally routing number, your Ally account number, Type account: Savings (most likely) and your Name. Vanguard will make two tiny transactions within a few days to verify. You need to find those transacti...
- Tue Jun 30, 2015 7:01 pm
- Forum: Personal Investments
- Topic: What happens when Admiral Shares drop below $50K?
- Replies: 22
- Views: 9991
Re: What happens when Admiral Shares drop below $50K?
I have averaged about $1K in a money market fund for years, since much higher interest is available from Ally and other online banks, and Vanguard has said nothing.Not to hijack, but has anyone had trouble with their money market going below the 3K minimum?
- Tue Jun 30, 2015 6:33 pm
- Forum: Personal Investments
- Topic: Buying Additional Admiral Shares After Initial Purchase
- Replies: 11
- Views: 2037
Re: Buying Additional Admiral Shares After Initial Purchase
Yes, an electronic purchase of as little as $1, or a check of $100 will add Admiral shares to your qualified account.
viewtopic.php?t=49187
viewtopic.php?t=49187
- Fri Jun 12, 2015 1:22 pm
- Forum: Personal Investments
- Topic: New USAA IRA
- Replies: 12
- Views: 3965
Re: New USAA IRA
The only low cost fund in USAA’s portfolio is the S&P 500 Index fund which has an Expense/Ratio of .25%. All other USAA Fund E/R’s are double or more compared to Vanguard, or Fidelity Spartan.
- Thu May 07, 2015 6:26 pm
- Forum: Personal Consumer Issues
- Topic: Costco carpeting
- Replies: 5
- Views: 24935
Re: Costco carpeting
We had Costco / Shaw install carpeting in three bedrooms, hall, and stairway, three years ago and they did an excellent job, finishing in one day. Prior to installing the carpet, they tightened the sub flooring with screws to eliminate previous squeaking, without additional charges. The only, very minor, issue was the installer did not have all the tools, missing a power saw to cut the bottom of the closet doors to accommodate the thicker carpet and had to borrow mine. The next day I noticed there was a gap between one of the wall moldings and the wall due to the pressure of the carpet against the molding. I called Shaw’s number and within two days they sent a team out to fix it. Since then the carpet has remained perfect with absolutely no...
- Tue Apr 07, 2015 4:42 pm
- Forum: Personal Investments
- Topic: VG Target Funds vs VG Index Funds for grandchildren
- Replies: 18
- Views: 2219
Re: VG Target Funds vs VG Index Funds for grandchildren
You may want to consider a custodial account consisting of Life Strategy Growth Fund which has a 3K minimum, and maintains a constant balance of 80 percent in various equities. Income will be tax free (a tax return need not be filed), until it reaches $1000 and then is taxed at the child’s rate until reaching $2000. Index funds should only be considered when the account reaches substantial value since 3 types of index funds (Bond, US, and International) are needed and preferably admiral shares to obtain lowest cost. Target date funds are also good if the yearly trend toward a more conservative balance is what you are looking for.
- Sun Apr 05, 2015 11:35 am
- Forum: Investing - Theory, News & General
- Topic: Did you learn anything from 2008?
- Replies: 105
- Views: 16111
Re: Did you learn anything from 2008?
I learned not to be as aggressive in my investments and to rebalance. I made the mistake of assuming that the market will continue to rise beyond 2008 after a decade of mediocre returns. However I also learned to make lemonade from the lemons in my IRA by taking the full RMD in 2009, plus an additional amount (RMD’s were suspended by Congress for that year), invested it in the same Vanguard funds in a taxable account. This had the effect of getting more shares out of the IRA without paying additional taxes. In retrospect converting to a Roth would have been better but at the time everyone was saying the financial situation would get worse. At least in a taxable account one could sell, take a tax loss, and reinvest in a similar fund if the m...
- Mon Nov 17, 2014 8:32 pm
- Forum: Personal Investments
- Topic: Target Date Fund all I need?
- Replies: 19
- Views: 4509
Re: Target Date Fund all I need?
Life Strategy Moderate Growth = 60% stocks 40% bonds should approximate and maintain your current allocation forever.
1 Vanguard Total Stock Market Index Fund Investor Shares 42.3%
2 Vanguard Total Bond Market II Index Fund Investor Shares** 31.8%
3 Vanguard Total International Stock Index Fund Investor Shares 17.9%
4 Vanguard Total International Bond Index Fund 8.0%
1 Vanguard Total Stock Market Index Fund Investor Shares 42.3%
2 Vanguard Total Bond Market II Index Fund Investor Shares** 31.8%
3 Vanguard Total International Stock Index Fund Investor Shares 17.9%
4 Vanguard Total International Bond Index Fund 8.0%
- Sat Aug 23, 2014 5:08 pm
- Forum: Investing - Theory, News & General
- Topic: "The Bogleheads' Guide to Investing -- Second Edition"
- Replies: 58
- Views: 18358
Re: "The Bogleheads' Guide to Investing -- Second Edition"
The second addition is available for download in both the Kindle (Amazon) and iTunes (Apple) format. Remember to post a comment or review on either the Amazon or Apple website in order to help others make a purchasing decision.
- Sat Jul 19, 2014 10:33 am
- Forum: Personal Investments
- Topic: Books or Articles for AA in Retirement
- Replies: 8
- Views: 772
Re: Books or Articles for AA in Retirement
Those who purchased Bogleheads books on Amazon.com should post a review on Amazon as prospective purchasers are greatly influenced by positive reviews.
- Sun Jun 29, 2014 7:18 pm
- Forum: Personal Consumer Issues
- Topic: N+ Routers
- Replies: 27
- Views: 2767
Re: N+ Routers
Signal boosters only increase the signal FROM the router to the client. They do nothing to increase the return signal from clients TO the router. Both are necessary for wireless communications. The output power for all devices is regulated by the FCC. The best way to increase range is to add a directional or high gain antenna to those routers that use external antennas because that will boost both the effective transmit and receive capability.You should be looking into signal boosters . Is that the issue though . Do you have weak signals in places in your home ? Like not full bar wifi
- Tue Mar 18, 2014 6:35 pm
- Forum: Personal Consumer Issues
- Topic: "gold" USB computer cables
- Replies: 15
- Views: 1404
Re: "gold" USB computer cables
Calm man wrote:
But in almost all conventional connections a Cat 5E or Cat 6 Ethernet cable is used, with no USB cable involved
No reason to feel old or dumb. A USB cable "can" be used to connect directly to a modem, although a router would be better for security issues. Also a USB cable is used when connecting a computer to a wireless adapter which would then connect to a wireless router or gateway. Both of these would subsequently allow an internet connection.I feel old or dumb. What does a USB cable have to do with the internet? If wireless, nothing right? And if connected to the computer from the router, wouldn't it be ethernet?
But in almost all conventional connections a Cat 5E or Cat 6 Ethernet cable is used, with no USB cable involved
- Tue Mar 18, 2014 5:42 pm
- Forum: Personal Consumer Issues
- Topic: "gold" USB computer cables
- Replies: 15
- Views: 1404
Re: "gold" USB computer cables
Media Bridge USB cables are well made and have extremely high ratings on Amazon.com (1400+ with almost all five stars) and cost about the same as Amazon Basics. But I wonder why you are having difficulty. One problem may be caused by pulling on the cord, rather than the connector.
- Tue Mar 04, 2014 11:10 am
- Forum: Personal Finance (Not Investing)
- Topic: Amazon 10% Fed refund bonus with TurboTax
- Replies: 30
- Views: 8471
Re: Amazon 10% Fed refund bonus with TurboTax
No need to buy TurboTax through Amazon or Intuit. I got mine through Vanguard and received the same 10 percent Amazon e-card offer.
- Fri Feb 28, 2014 8:00 pm
- Forum: Personal Investments
- Topic: What to do before 2015 Tax/IRA season
- Replies: 7
- Views: 1427
Re: What to do before 2015 Tax/IRA season
You should contribute to the ROTH TSP, not the regular, since your tax bracket is low. The TSP has the lowest expenses of any investment fund, even lower than Vanguard
- Sun Jan 26, 2014 7:14 pm
- Forum: Investing - Theory, News & General
- Topic: Any tax software that handles Form 1116?(Foreign Tax Credit)
- Replies: 19
- Views: 6277
Re: Any tax software that handles Form 1116?(Foreign Tax Cre
TurboTax Deluxe (Download) does a decent job of completing Form 1116 provided you answer the step-by-step questions correctly. When done go to Form 1116 and insure that Passive investment income is shown and that Column A (Name of Foreign Country) shows RIC (registered investment company). Online versions may be different but all Downloads versions, including Basic, have the same forms.
- Fri Jan 24, 2014 4:56 pm
- Forum: Personal Finance (Not Investing)
- Topic: 1099R Payer different between imported and hard copy
- Replies: 11
- Views: 2765
Re: 1099R Payer different between imported and hard copy
From Vanguard:
Summary: 1099-R Import issue (wrong payer) has been corrected by Vanguard as of 1/24/2014. Delete previous data and reimport to match hard copy of 1099RThis email is intended as a follow up to my email earlier this week.
I have been informed by my Web Technical Support Services team that the issues with importing data into TurboTax from the 1099-R has been
corrected. If you import the 1099-R again into TurboTax, you should see the correct payer information populating.
- Thu Jan 23, 2014 12:16 pm
- Forum: Personal Finance (Not Investing)
- Topic: 1099R Payer different between imported and hard copy
- Replies: 11
- Views: 2765
Re: 1099R Payer different between imported and hard copy
The response received from Vanguard concerning the difference in payers, including EIN’s, is as follows:
Note: This is the first year that this discrepancy has surfaced. A check of previous years’ returns showed that both sources have always agreed.
Summary: The hard copy is what the IRS matches although both records will be accepted.Vanguard Fiduciary Trust Company is the payer for the distribution from your retirement account. Life Strategy Moderate Growth Fund is the investment from which you took the distribution. If you are using Turbo Tax to import the data from your 1099-R, you should be able to manually change the payer information if you wish.
Note: This is the first year that this discrepancy has surfaced. A check of previous years’ returns showed that both sources have always agreed.
- Wed Jan 22, 2014 5:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: 1099R Payer different between imported and hard copy
- Replies: 11
- Views: 2765
1099R Payer different between imported and hard copy
I received a hard copy of a Vanguard 1099R which lists the payer as Vanguard Fiduciary Trust, and but the electronic import lists the payer as Life Strategy Moderate Growth including a different address. Has anyone noticed this and does it matter which gets reported?
- Tue Jan 14, 2014 12:01 pm
- Forum: Personal Consumer Issues
- Topic: BluRay to stream video - is DSL/wifi fast enough?
- Replies: 23
- Views: 3607
Re: BluRay to stream video - is DSL/wifi fast enough?
In order to stream at the super high AC speed, you will need to upgrade the client devices that you plan to stream as well as the router.I will likely upgrade the router to a more powerful one some day after the next standard is official. I just googled it and it looks like the wireless AC standard was approved in the last week. I see a router upgrade for me in the next year. For me the attraction of high speed wifi is not to stream from the internet, but to stream between several computers, for example, Blu-ray ISOs and SACD ISOs, stored on a file server. Also to backup those computers remotely. I have one HTPC wired, but the other HTPC is far away and using wireless N.