Search found 424 matches

by AQ
Wed Feb 22, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Help please on estimated tax payments
Replies: 4
Views: 410

Re: Help please on estimated tax payments

Thanks much!

StevieG72 wrote:Direct pay if you are not incorporated.

EFTPS if you are incorporated.

No need to file 1040 ES.


Not sure what 'incorporated' means. I'm a LLC member and expect to receive K-1. Shall I use DirectPay or EFTPS?
by AQ
Tue Feb 21, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Help please on estimated tax payments
Replies: 4
Views: 410

Help please on estimated tax payments

First time to make estimated tax payment in 2017. I've done my estimation part, say for the sake of discussion, my tax liabilities is between 80K and 120K (my consulting income varies so do the tax due): 1. So I plan to over-pay a bit to avoid any IRS issue, e.g., pay the first installment 30K, and ...
by AQ
Mon Feb 13, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: lien on house without my knowledge?
Replies: 2
Views: 672

lien on house without my knowledge?

Wonder if it's possible someone places a lien on my house without even informing me? Fear that a lien on the house for a $100 liabilities and then 20 years later the $100 becomes $100,000 with crazy rate compounding without my even knowing it? A friend is selling a house and the title company did a ...
by AQ
Sat Feb 11, 2017 12:30 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 150
Views: 20242

Re: Wow, Vanguard Flagship service is bad. Really bad.

This is pretty scary stuff... I had my share of bad experiences and this and other similar threads make me really concerned. I just wish Vanguard wakes up and starts to fix things. In the meantime, I have stopped sending new money to Vanguard, to minimize my exposure, and minimize chances for proble...
by AQ
Wed Feb 01, 2017 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: ACH problem with Vanguard
Replies: 15
Views: 1946

Re: ACH problem with Vanguard

Thanks for your update. I always have this (irrational) fear about what if nobody has answers for this type of missing money, so it's great to hear the issue is resolved. A while ago I had kind of similar issue: for the first time I wired $10,000.00 to Vanguard, but the account was credited with $50...
by AQ
Wed Jan 18, 2017 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Best sweeping accounts
Replies: 4
Views: 444

Best sweeping accounts

Now that rates start to creep up, wonder if the forum has a consensus on which is the best sweeping account among many choices? I'd like to hear your opinions for Vanguard and Fidelity.
by AQ
Sun Jan 15, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payment: mechanism, etc.
Replies: 7
Views: 670

Re: Estimated tax payment: mechanism, etc.

Thanks for very helpful discussions.

I was surprised to hear no receipt or otherwise any means to confirm IRS has got my estimated payments? I admit a bit nervous about this, given that up to 40% of total income will go to estimated payment (Fed/State combined) :(
by AQ
Fri Jan 13, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payment: mechanism, etc.
Replies: 7
Views: 670

Estimated tax payment: mechanism, etc.

For the first time, I expect to get K-1 income and am supposed to pay estimated tax. I have some rough ideas of how much I would be due, but otherwise have no clue how it work. Would appreciate it much for your help! 1. I can lump ALL fed tax in one check, i.e. income/SS/medicare, etc? the same thin...
by AQ
Thu Jan 05, 2017 1:40 am
Forum: Personal Finance (Not Investing)
Topic: debt collection
Replies: 7
Views: 989

Re: debt collection

Thanks for your replies! Is it fair to say all downsides for this issue are potential decrease of my credit score and resulting consequence? If I don't need credit scores anyway (no plans for mortgage, credit cards, etc.) I have nothing to worry about it, however I handle it? I do very much apprecia...
by AQ
Tue Jan 03, 2017 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: debt collection
Replies: 7
Views: 989

debt collection

Not sure how this happened... Got a letter from a debt collection today about a small payment due to a medical facility. Not sure how this happened but the amount is small (under $50) so I guess it's not worth figuring it out? What is the best way to do it now? 1) go ahead to pay it to the collectio...
by AQ
Fri Dec 23, 2016 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: It's Dividend Check Time - Like it or Not
Replies: 15
Views: 2851

Re: It's Dividend Check Time - Like it or Not

This is a known bug. Happened to me before, and others. It took a few calls to finally fix it.
by AQ
Mon Dec 19, 2016 10:55 pm
Forum: Personal Consumer Issues
Topic: managing flight risk [travel by plane]
Replies: 30
Views: 2111

Re: managing flight risk

I cited a company's policy to say the risk is real, or perceived to be real by others, to say I'm not paranoid :D I agree that car crash risk is higher than flights. The difference is that should there be a flight crash, all would perish. On the other hand, it's far more likely to have survivors in ...
by AQ
Mon Dec 19, 2016 9:55 pm
Forum: Personal Consumer Issues
Topic: managing flight risk [travel by plane]
Replies: 30
Views: 2111

managing flight risk [travel by plane]

Anyone is worried about having entire family on one plane? It's holiday seasons, and we'll plan to fly to vacation with our children. In my will, spouse and children are the beneficiary. Usually I am not afraid of flying. But occasions like this (have the whole family on one plane) I always am a bit...
by AQ
Tue Dec 13, 2016 9:40 pm
Forum: Investing - Theory, News & General
Topic: DOW [Will the DOW hit 20,000 before the end of the year?]
Replies: 44
Views: 4907

Re: DOW [Will the DOW hit 20,000 before the end of the year?]

Yes. I predict it will happen tomorrow morning.
by AQ
Mon Dec 12, 2016 9:58 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Announces Short-Term Trading Fee Removal
Replies: 26
Views: 3916

Re: Fidelity Announces Short-Term Trading Fee Removal

Dan999, thanks for your reply. So I took a read at the round trip policy... I'll say I prefer Vanguard's to Fidelity policy. It's just easier to deal with Vanguard's policy.
by AQ
Mon Dec 12, 2016 9:41 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Announces Short-Term Trading Fee Removal
Replies: 26
Views: 3916

Re: Fidelity Announces Short-Term Trading Fee Removal

Anyone knows that now with the removal of the fee, one can say buy it today and sell it tomorrow without any fees? Not saying I'll do it but one thing less to worry about.
by AQ
Fri Dec 02, 2016 1:21 am
Forum: Investing - Help with Personal Investments
Topic: These days what would you TLH with total stock market?
Replies: 7
Views: 731

Re: These days what would you TLH with total stock market?

With US stock markets near record highs, I am surprised anyone needs to TLH with total stock market?
by AQ
Thu Dec 01, 2016 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard trade alert with dollar amount
Replies: 2
Views: 422

Vanguard trade alert with dollar amount

I signed up so Vanguard sent me an email every time I make a trade. I just wish the alert just included a trade notice without mentioning the dollar amount. What do you think?
by AQ
Wed Nov 23, 2016 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2507

Re: TLH CA Bond Funds?

I'll say later, just in case the market may rally back :D
by AQ
Tue Nov 15, 2016 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: sites to check price quotes
Replies: 2
Views: 225

sites to check price quotes

Any good site to check daily price quotes for mutual funds? For example if I go to finance.google.com to see VCAIX, the price quote still has a time label of Nov. 14 (which is incorrect). On finance.yahoo.com, the price quote is correct, but the return (-1.36%) is incorrect. (thanks but let's not di...
by AQ
Thu Jul 14, 2016 10:24 pm
Forum: Investing - Theory, News & General
Topic: Yahoo Finance redesign
Replies: 47
Views: 5569

Re: Yahoo Finance redesign

To those google finance users: I also like the page design on the google site. One big issue is that if you look up a mutual fund quote, it's NOT updated timely. For example, if you see quotes for VFINX, it still shows price for 7/13. Surprised no one mentioned this already?
by AQ
Mon Jul 11, 2016 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for conversion of $1.8 million IRA
Replies: 77
Views: 8235

Re: Strategy for conversion of $1.8 million IRA

Good evening everyone. I am new to the forum, but am a long time Vanguard customer - 25+ years and counting. - I have about $5 million in taxable accounts which produces interest of about $5000 per year and dividends of about $90,000, almost all qualified dividends. Non taxable interest is about $3...
by AQ
Mon Jun 27, 2016 10:24 pm
Forum: Personal Consumer Issues
Topic: Car talk: sonata MPG dropped a lot
Replies: 43
Views: 3134

Re: Car talk: sonata MPG dropped a lot

Does the car have a locking gas cap? Yes. This is OP here. Thanks again for all the comments so far! Update: I'm not a handyman at all so I went to a dealer today. The mechanic just turn on the engine and found no error codes, and then was reluctant to take my car, suggesting nothing is wrong and I...
by AQ
Mon Jun 27, 2016 12:22 am
Forum: Personal Consumer Issues
Topic: Car talk: sonata MPG dropped a lot
Replies: 43
Views: 3134

Re: Car talk: sonata MPG dropped a lot

Thanks to all of your comments! Sounds I need to make a trip to the dealership. Hyndai offers 10 year power train warranty and I hope this is covered. Will see.
by AQ
Sun Jun 26, 2016 10:32 pm
Forum: Personal Consumer Issues
Topic: Car talk: sonata MPG dropped a lot
Replies: 43
Views: 3134

Car talk: sonata MPG dropped a lot

I drove a Hyndai Sonata 2011. I have been pretty happy with it but with one question recently. Its fuel efficiency had been decent until a couple of months ago. It used to be about 30 mpg with a combination of highway / locals.. But starting a few months ago, its MPG appeared to have a cliff drop to...
by AQ
Mon May 30, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: tips for weight exercises/training
Replies: 81
Views: 6315

Re: tips for weight exercises/training

Thanks for great comments as well as references! A lot to internalize in coming days.. Interesting to note many mentioned importance of diets.. Contrary to the implicit assumptions, I actually struggled with the opposite problem that I'm underweight, and try to gain but haven't succeeded yet. I real...
by AQ
Sat May 28, 2016 1:22 pm
Forum: Personal Consumer Issues
Topic: tips for weight exercises/training
Replies: 81
Views: 6315

tips for weight exercises/training

I led a very sedentary life without much exercises... Now entering my 50s I just realized that muscle loss pretty bad. Want to start doing some weight exercises but also want to be sure do no harm first, giving I'm pretty fragile now so worry about potential injury, etc.. I would appreciate any prac...
by AQ
Mon May 09, 2016 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to choose homeowner's insurance?
Replies: 21
Views: 2577

Re: How to choose homeowner's insurance?

I'm in a similar situation. If I find a good alternative policy from my current insurer, do I have to:

1) tell my current insurer to cancel?
2) tell my mortgage bank about the new policy and insurer? And how?
by AQ
Fri Apr 29, 2016 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: 401K Total contribution limit
Replies: 7
Views: 1062

Re: 401K Total contribution limit

KlangFool, many thanks for clarifications! Now I could feel very comfortable to get the max contribution/match now :D
by AQ
Fri Apr 29, 2016 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: 401K Total contribution limit
Replies: 7
Views: 1062

Re: 401K Total contribution limit

Thanks a lot! You guys are such knowledgeable and awesome :beer I searched and couldn't find anything useful. If I understand it correctly, I just need to be concerned with my 24K limit and employers will take care of their limits. I like this answer :D KlangFool, so I suppose there is a typo in you...
by AQ
Fri Apr 29, 2016 12:50 am
Forum: Personal Finance (Not Investing)
Topic: 401K Total contribution limit
Replies: 7
Views: 1062

401K Total contribution limit

Background: I changed my job this year so I made contributions to two 401K. My age made me eligible for catch-up retirement contributions. My previous employer made a contribution of 10K to my 401K (as "profit sharing"?) early this year before I left, and my new employer would typically ma...
by AQ
Sat Mar 12, 2016 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Contingency plan due to a major illness.
Replies: 5
Views: 962

Contingency plan due to a major illness.

My medical issues got worse rapidly so I'm afraid I need to prepare myself and family for the worst. 1) What is the easiest way to transfer my assets to DW? I always let her know the credentials to log on my accounts but from the forum it seems not a good approach. If I update all my taxable account...
by AQ
Sat Jan 30, 2016 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: FSA related to a new job
Replies: 1
Views: 308

FSA related to a new job

I'm out of job now, but secured a new job starting in March, and will sign up with FSA. My question is: can I use my new employer's FSA to cover medical expenses between Jan 1 2016 and the start day of my new job?
by AQ
Tue Dec 22, 2015 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Tax strategy for medical ins premium and expenses?
Replies: 2
Views: 451

Tax strategy for medical ins premium and expenses?

In 2016, I won't have a regular job but still have taxable income from deferred payment of previous employer, and consulting jobs. So I'll use Cobra and possibly ACA for my health insurance. Is there anyway to get some tax savings? I used to pay premium with pre-tax dollar, and set up a FSA account....
by AQ
Sat Dec 19, 2015 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 consulting job
Replies: 7
Views: 782

Re: 1099 consulting job

Thanks a lot for your responses so far. A couple of follow-up questions: 1) Do I need to form a kind of business structures before I can start a consulting job? Or I simply enter a contract with a firm, and start to work on it? 2) 15.3% Self-Employment (SE) tax on net business profits: The SE tax wo...
by AQ
Sat Dec 19, 2015 2:42 am
Forum: Personal Finance (Not Investing)
Topic: 1099 consulting job
Replies: 7
Views: 782

1099 consulting job

I'm deciding between a regular job offer and a consulting one, but I never worked on a 1099 previously. What types of things do I need to consider when comparing a consulting arrangement with a regular one? A few specific questions below, but please share any wisdom/experiences or links. Many thanks...
by AQ
Sat Nov 21, 2015 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: 401K contribution: regular vs. catch-up
Replies: 16
Views: 1724

Re: 401K contribution: regular vs. catch-up

Thanks for the responses so far. I was thinking and hoping that the answer is that IRA doesn't care, as long as the total contribution is below 24K? I left the company so it makes it harder for me to go back to talk to payroll people :(
by AQ
Sat Nov 21, 2015 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: 401K contribution: regular vs. catch-up
Replies: 16
Views: 1724

401K contribution: regular vs. catch-up

My company 401K has a contributing breakdown between regular and catch-up.. Now I looked at the salary stub, my catch-up contribution is above 6K, though the total is under 24K.

Does IRA care about this breakdown? If so, what should I do now to remedy higher than the 6K limit for catch-up? Thanks
by AQ
Fri Nov 06, 2015 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Potential liabilities adding adult child on family auto insurance
Replies: 6
Views: 906

Re: Potential liabilities adding adult child on family auto insurance

FWIW, my careless kids are also on my insurance. My oldest drives a car I own in another state with probably an expired registration and an illegal driver's license. Surprised to hear this from our wise livesoft :) Don't you worry about your oldest bringing a huge liability back to you with that ty...
by AQ
Thu Nov 05, 2015 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Potential liabilities adding adult child on family auto insurance
Replies: 6
Views: 906

Potential liabilities adding adult child on family auto insurance

My daughter is in her 20s and has a full-time job. She doesn't own a car. We live in the same city, so we keep her name on our family auto insurance policy. From time to time, she borrows a car from us, and drives around with her friends. My questions are: 1) Should she run into a big accident beyon...
by AQ
Wed Sep 30, 2015 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Laid off today.. please advise
Replies: 35
Views: 5660

Re: Laid off today.. please advise

Many thanks for your valuable advice, and in particular your empathy and encouragement. I bet I'll survive, and all is going to be perfectly fine but your words have made my transition quite a bit easier.. Thanks!
by AQ
Tue Sep 29, 2015 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Laid off today.. please advise
Replies: 35
Views: 5660

Laid off today.. please advise

Let go today, and just got home. A lot to digest in coming days so figure I need a 'to do' list. Please chime in. You can search my recent post for some background info. I know this was coming but didn't know it would be today, and would be 'workforce reduction' 1) HR explained everyone affected got...
by AQ
Sat Sep 26, 2015 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Document retention: what are bare minimums?
Replies: 9
Views: 1260

Document retention: what are bare minimums?

Trying to simplifying financial matters. I realize many on the forum keep decades of tax forms, etc., but unfortunately I'm not type of people of organized.. So I'd like to come up with a bare minimum list. Please help and ignore some less likely scenarios: 1) Tax returns: just need to keep 7 years....
by AQ
Tue Sep 15, 2015 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Keeping Track Of Roth IRA Contributions Vs Conversions
Replies: 6
Views: 747

Re: Keeping Track Of Roth IRA Contributions Vs Conversions

Is the only reason to keep track for the possibility OP may withdraw before retirement?

Otherwise, one can withdraw tax-free from Roth IRA without any need of documentation if one reaches the retirement age. Is that correct?
by AQ
Thu Aug 27, 2015 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice in a hostile office now
Replies: 43
Views: 9852

Re: Seeking advice in a hostile office now

Thanks a lot...

To be frank, it's been incredibly stressful than I thought it would be. Couldn't get good sleep, and then headache, etc.. Try to keep my cool for now but need to get my act together to consider and carry on your advices..
by AQ
Tue Aug 11, 2015 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice in a hostile office now
Replies: 43
Views: 9852

Re: Seeking advice in a hostile office now

OP here. Didn't have the chances to go through your comments yet but will do it tonight. Many thanks! One more question here: does it make any sense to vigorously defend myself, of course using cold facts, etc, at least potentially resulting in a better deal offered by the company, or it is not wort...
by AQ
Mon Aug 10, 2015 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice in a hostile office now
Replies: 43
Views: 9852

Re: Seeking advice in a hostile office now

Many thanks for your suggestions so far. Some follow-up questions: 1) document it: what types of things should I document? In what forms? Guess I couldn't use the company's computer for these things, right? 2) Be careful signing things: this is actually one of my initial questions. If I'm offered a ...
by AQ
Mon Aug 10, 2015 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice in a hostile office now
Replies: 43
Views: 9852

Seeking advice in a hostile office now

I'm with the current employer for many years, and have been the best performer in the division in terms of sales revenues. Two years ago the company hired a person who is my partner working in many joint projects but with different roles. From the beginning we didn't get along and I eventually found...

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