Bogleheads

In Connecticut, houses are generally assessed for 70% of "market value". (whatever that means). Currently, the replacement cost of my house for my HO policy (which doesn't really include t ...

http://img29.imageshack.us/img29/8067/picture29r.png
Over the past ten years, PABAX did enough better than VTSMX to make up for the load four time over.

Of course, VBINX... Razz

Fido charts do ...

At one time, most policies also included a co-insurance clause. You were required to insure the structure for 80% of the replacement cost. If you did not and say only insured for 50% of value, the ins ...

I believe Paypal (www.paypal.com) allows you to send and receive funds in most foreign currencies.

Great stuff Bob, but Right-Click does not work (at least for me on my Vista PC). Left clicking on the link works great.

Shouldn't be a problem; here's a link to a Ford Towing Guide from that era. I would be sure and check and possibly change the tranny fluid.

http://www.meadowlandford.com/2003%20towing%20guide.pdf

Assuming you have a loss of approx $1500, that would normally be an Misc itemized deduction on Sched A subject to 2% of your AGI. Since you're ineligible for a Roth (because of income limits I assume ...

I've had Explorer/Expeditions (4WD) for the past 15 years or so. No problems and probably wouldn't hesitate to buy another. How big is the boat?

For 12K I would think you could get something newe ...

Don't forget to set aside a few bucks for taxes. I believe any earned income in excess of $5700 for a student claimed by his/her parents is taxable. Should be a minimal amount of tax though.

Don't think it makes much difference. The bank usually holds the title until the loan is paid at which point they will send it to you with a lien release. Just make sure they know your current addres ...

Sounds like this will generate two lines on Sched D. One long term and one short term. Each will have a basis of $40/share assuming avg cost can be used. Proceeds for each will be $40/share, produc ...

As always, check with your tax advisor. But I ran across this article a few years ago:

Tax issues are becoming increasingly important as investors move into alternative assets, which don’t enjoy ...

Why would you not need a buyer when redeeming mutual fund shares?
Because mutual fund share are redeemed by the mutual fund company when sold rather than being sold to a buyer.
Don't they have the ...

In a severe declining market, would you rather sell at Noon (ETF) ot take the closing prices (MF)?

Whatever happened to the $4.99 headlight you could replace yourself (as long as you didn't mess up the aim too much)? I recall reading a few years ago that the Zenon(?) headlight on certains Nissans ...

Rental properties are complex taxwise and its probably wise to consult a tax professional in the year you buy or convert usage, (and the year you sell). Once the property is set up properly, all you ...

I don't believe the Commodity ETFs make distributions; they can generate Interest income which is passed through and taxable as received (on the K-1). That of course inceases your basis at time of sal ...

followup questions:

1. What date do I use for comparing sales? The house was put on list for sale/rent for about two months before it was actually rented out. In the meantime, the prices had fell b ...

This is primarily the situation my wife is in as a retired teacher. She did not contribute to SS (except for any summer job or work before teaching etc). She did contribute approx 6-7% of her salary t ...

If she's still working, you can file a Workers Comp claim. In the old days, it would have been tossed immediately. These days, depending on how the state interperprets the regs, who knows ? If its t ...

Kind of strange but Fido shows the growth of $10K for VSTMX as worth $9968 as of 10/31/09. Wonder why VG shows a positive return? Perhaps Fido includes the effect of the $75 fee to buy a VG fund.

Is there any way to pay the conversion taxes from the converted funds? Would we owe a 10% penalty? Even if there is a way, is that a good idea?

Yes (have taxes withheld), Yes (10% penalty appl ...

Banks seem not to look at checks anymore that are deposited. I'd deposit it and the worst that could happen is the bank will return it. If so, ask for a new check from the state.

Here's the Fido chart for VWINX, VIPSX, PTTDX and TEGBX (10 yr)

http://www.eastconn.com/growth10vwinx.png

Fido has 10K growth charts on their mutual fund pages. You can compare just about any fund including ETFs for YTD and 1,3 5 and 10 yr periods.(no CEFs or individual stocks though). My guess is it in ...

www.taxact.com (free software for download)

You may want to wait until VG announces this years CG distributions to "fine-tune" your decision. If you do that however, you probably have to use Livesoft's second option (Sell in Taxable ...

This is not quite correct. For the hypothetical given, there will be AGI of $1,500. The standard deduction and exemption(s) will reduce taxable income to more than negative $3,000, so that none of t ...

Cap losses offset cap losses; not dividends. Your QDs should be taxed at 0% (assuming they're all contained in the 15% bracket.) Short term dividends (??) / interest are taxed as ordinary income. I ...

In past some have tried to help me with this----still did not understand so I'm repeating this.
On May 1st I sold some total stock fund and on the same day I purchased some back. This caused a wash ...

Most tax software will track your losses from yr to yr, offset any gains, and apply up to $3k against income as applicable. All you have to do is key in the current year data. That of course assumes ...

He won't report this as wages; for 2009 he will report it as SS income on line 20a and the taxable portion, if any, on line 20b. (up to 85% is taxable depending on other income).

It is possible he ...

A friend of mine in Connecticut was "turned away" by her longtime OB/GYN when she reached 65. Since that particular specialty primarily treats younger patients, turning away Medicare patien ...

Greetings all,
I'm a long, longtime lurker and first time poster.
You all have no idea how much you have impacted my financial knowledge and my entire investment portfolio. I am a total Boglehead. ...

Note that you have to own the previous house for 8 years and live in it for 5 of the 8.

EO

I don't think the first part of your statement is correct. I think what it means is if you haven't ...

Here's what the WSJ has to say about the 5 yr rule (link is way up at the start of this topic):

"If you already are 59½ and you convert traditional IRA assets to a Roth, you can withdraw the ...

That beings up another question. Can you amend your 2010 return to change how you treated the income from conversion (realizing it all on 2010 return or splitting between 2011 and 2012)?? You general ...

If you're doing it according to the regulations, you re-calculate your income and tax with each quarterly payment (assuming its not evenly distributed) and send in the required payment, if any. The F ...

If you're doing it according to the regulations, you re-calculate your income and tax with each quarterly payment (assuming its not evenly distributed) and send in the required payment, if any. The F ...

I'm still unclear why there's a need for the LI policy at all. My wife worked hugely hard raising our children BUT didn't work outside the home until the kids were gone. Her retirement PT earnings tod ...

If it needs to reported, it would be on Pt III (p.2) here:http://www.irs.gov/pub/irs-pdf/f8606.pdf

Read the instructions for this form. Depending on circumstances it may not need to be reported ...

This maybe a dumb question, but do you have to be employed to participate in a HSA ?
Absolutely not. You can be retired or unemployed. But you do a High Deductible Health Plan (HDHP)

You can get the Net Asset Value of a lot of CEFs by
by adding a X to the beginning and end of the symbol.
Get a quote for xiafx. If the NAV is greater than mkt
price, it selling at a discount, et ...

You need to have a Roth for 5 years before you can withdraw from one tax-free. You don't have to withdraw from the account that is over 5 years old, just have at least one that is. If you don't curr ...

It is the record date that determines your dividends. Shareholder of record date are paid. Ex date is after record date.

You have it reversed. You must own the stock on the ex-dividend date to ge ...

It is the record date that determines your dividends. Shareholder of record date are paid. Ex date is after record date.
Not quite - you must own the stock at the close of business on the day prior ...

the future of HSA's is very limited, perhaps even curtailed, in the health care bills being debated by congress...the WSJ reported today.

I think the fate of the HSA's future is still in the 'propo ...

b) How big is the tax bill from selling the individual stocks? If it is big enough, it would throw the investor into the higher tax bracket. In that case, you would manage the sales over several ye ...

This would be extremely dangerous, wouldn't it? What if they rely on your medical records about allergies, or give you the wrong blood type? You could be dead.

Sounds like the beginnings of a goo ...

Markets always seem to adjust. There are always some people buying and selling for a variety of reasons. New folks starting out. People have kids and need more space etc.

I remember back in 198 ...