Search found 1539 matches

by BrandonBogle
Sun Jan 22, 2017 12:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 1099s available - Other companies just as good for sending 1099s???
Replies: 44
Views: 2747

Re: Vanguard 1099s

It should be noted that for a large portion of the investing populace, getting their 1099s by the end of February is still plenty of time to not cause any impact/difficulties in a taxpayer's situation. Yes, there are certainly situations were that extra month is a hinderance, but as a general rule, ...
by BrandonBogle
Sun Jan 22, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard screwed up IRA types...twice
Replies: 31
Views: 2138

Re: Vanguard screwed up IRA types...twice

I also suggested a tax pro is a good idea. The tax instructions I've read so far seem straightforward enough on all of this, but if ever there was a time for someone who knows the tax code inside and out, it's now. I am not trying to be mean here, just helpful. I would suggest that this family memb...
by BrandonBogle
Sun Jan 22, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard screwed up IRA types...twice
Replies: 31
Views: 2138

Re: Vanguard screwed up IRA types...twice

Regarding the 2012 IRA: as it turns out, Fidelity (the previous 401(k) provider) did not withhold anything . ... The Vanguard 5498 for that year indicates that Vanguard treated it as a rollover/TIRA and not a Roth. ... On their 2012 taxes, he reported the entire rollover amount as a taxable distrib...
by BrandonBogle
Sun Jan 22, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard screwed up IRA types...twice
Replies: 31
Views: 2138

Re: Vanguard screwed up IRA types...twice

Interesting thread. I will admit that it motivated me to go look at all the 5498 forms I just received to confirm that all my Roths are indeed showing as Roth accounts (they are, but.....). Hopefully the OP's friend and VG will be able to straighten this all out without getting the IRS involved. I ...
by BrandonBogle
Sun Jan 22, 2017 1:14 am
Forum: Investing - Theory, News & General
Topic: Vanguard 1099s available - Other companies just as good for sending 1099s???
Replies: 44
Views: 2747

Re: Vanguard 1099s available - Other companies just as good for sending 1099s???

OK, so 1099-DIV for Vanguard brokerage accounts won't be available till late February. But my two VBS accounts are tax-advantaged -- one is a tIRA, the other a Roth IRA. I also have a taxable mutual fund account. Vanguard says I should wait to get all my forms before doing my taxes. But there won't...
by BrandonBogle
Sun Jan 22, 2017 12:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard 1099s available - Other companies just as good for sending 1099s???
Replies: 44
Views: 2747

Re: Vanguard 1099s available - Other companies just as good for sending 1099s???

I just downloaded my TD Ameritrade 1099-DIV (and imported into TurboTax)
by BrandonBogle
Sat Jan 21, 2017 6:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 1099s available - Other companies just as good for sending 1099s???
Replies: 44
Views: 2747

Re: Vanguard 1099s available - Other companies just as good for sending 1099s???

Treasury Direct is available online. I hope they mail them too. Otherwise I'll have to dig out my credentials for some iBonds I liquidated in 2016. I ended up cashing them all out because I couldn't stand the complicated online system TD uses. I hear ya, did same thing for same reason. I had to res...
by BrandonBogle
Sat Jan 21, 2017 5:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 1099s available - Other companies just as good for sending 1099s???
Replies: 44
Views: 2747

Re: Vanguard 1099s available - Other companies just as good for sending 1099s???

tenkuky wrote:Treasury Direct is available online.


I hope they mail them too. Otherwise I'll have to dig out my credentials for some iBonds I liquidated in 2016. I ended up cashing them all out because I couldn't stand the complicated online system TD uses.
by BrandonBogle
Sat Jan 21, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: Strategy for keeping 401k at former employer
Replies: 11
Views: 1099

Re: Strategy for keeping 401k at former employer

So, I think I am down to: If a full conversion from Solo 401k to tIRA would be required, it would preclude any future possibility of availing oneself of a backdoor Roth if you went back to work after a few years of retirement. That is where you could potentially roll the whole tIRA into your former...
by BrandonBogle
Sat Jan 21, 2017 9:19 am
Forum: Investing - Theory, News & General
Topic: Strategy for keeping 401k at former employer
Replies: 11
Views: 1099

Re: Strategy for keeping 401k at former employer

I would have existing taxable and existing Roth (aged 5 years or more) to live off of. I like your first idea of annual partial Roth conversions to be able to totally tweak and control the taxable income amount annually. Yup, with the other sources to cover you for life expenses during those five y...
by BrandonBogle
Fri Jan 20, 2017 11:54 pm
Forum: Investing - Theory, News & General
Topic: Strategy for keeping 401k at former employer
Replies: 11
Views: 1099

Re: Strategy for keeping 401k at former employer

I'm wondering about keeping the former employer 401k so I can eventually rollover OUT of it into a tIRA...please clarify what the advantage would be of rolling over INTO the former employer 401k? I misunderstood what you meant. I thought you were talking about keeping a former 401k to then have the...
by BrandonBogle
Fri Jan 20, 2017 11:06 pm
Forum: Investing - Theory, News & General
Topic: Strategy for keeping 401k at former employer
Replies: 11
Views: 1099

Re: Strategy for keeping 401k at former employer

Not all 401k plans for non-active employees let you rollover into them. For instance, my prior employer has their 401k with Vanguard. I haven't worked their in 11 years. Their plan docs still let me rollover into that account from another 401k or rollover IRA. My current employer however, only lets ...
by BrandonBogle
Fri Jan 20, 2017 5:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 1099s available - Other companies just as good for sending 1099s???
Replies: 44
Views: 2747

Re: Vanguard 1099s available - Other companies just as good for sending 1099s???

WellsTrade is better than all of them. I got a 1099 on 1/14/2017. :) Vanguard did e-mail with a good Subject line that I would get two (2) 1099-DIV this year because of the account update thing. I know some folks did not anticipate that last year and were vocal about it on the forum. I don't see an...
by BrandonBogle
Fri Jan 20, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Very confused with W4 Allowances
Replies: 33
Views: 2389

Re: Very confused with W4 Allowances

I've given up on estimating my taxes and getting withholdings "right"... I just fudge them higher or lower depending on the size of the refund or under payment I do something similar. Every year when I do my taxes, I take the total tax for the year, subtract any tax withholdings I've done...
by BrandonBogle
Fri Jan 20, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot 8.0
Replies: 59
Views: 3631

Re: Tesla Autopilot 8.0

Can you set the following gap to vary from 1 car length at 20 mph and have it slowly increase to 2- 3 car lengths as you/it speeds up to 60 mph? I know this is too tight but we all face the other guy jamming in if we set it to 3-4 car. So what does it do? Yes I am going to test drive a newer Subaru...
by BrandonBogle
Fri Jan 20, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Very confused with W4 Allowances
Replies: 33
Views: 2389

Re: Very confused with W4 Allowances

Dutch wrote:
livesoft wrote:You are right, of course, but I would like to point out that money is fungible while burgers are not really. Burgers will certainly get moldy if left out over time.


Not if you get them from McDonalds


Touché!! :D
by BrandonBogle
Fri Jan 20, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Very confused with W4 Allowances
Replies: 33
Views: 2389

Re: Very confused with W4 Allowances

I've given up on estimating my taxes and getting withholdings "right"... I just fudge them higher or lower depending on the size of the refund or under payment I do something similar. Every year when I do my taxes, I take the total tax for the year, subtract any tax withholdings I've done...
by BrandonBogle
Fri Jan 20, 2017 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: 0.00% Fees?
Replies: 4
Views: 855

Re: 0.00% Fees?

Don't forget that most (all?) such trusts do not pay out dividends, but simply fold in those dividends into NAV. Plus, they don't have a ticker on an exchange, so less interactions with the exchange (the underlying securities still necessitate it though). Thus, less booking keeping and no checks to ...
by BrandonBogle
Fri Jan 20, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?
Replies: 14
Views: 626

Re: TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?

Just writing to confirm that it indeed was the first set of options, changing to "Highest Cost In, First Out" was a quick phone call, and my sell went perfectly as expected. Thanks everyone!
by BrandonBogle
Thu Jan 19, 2017 10:30 pm
Forum: Investing - Theory, News & General
Topic: Y2k retiree how is s/he holding up after 2016
Replies: 26
Views: 3748

Re: Y2k retiree how is s/he holding up after 2016

The following may interest readers of this thread. Case Study 2000-2016 very enlightening, especially in view of all the '100% equities' posts we had a few weeks ago. imho...people just don't 'get' the risk involved with making withdrawals from an equity heavy, declining, portfolio. and people can ...
by BrandonBogle
Thu Jan 19, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot 8.0
Replies: 59
Views: 3631

Re: Tesla Autopilot 8.0

I get the Automatic Cruise Control thing and not putting your foot on the gas pedal or brake. And I get making this cruise control work better via radar and adjusting speed. I do not know what they call this. This would be a great option if packaged separately. So if the ACC is engaged it stops and...
by BrandonBogle
Thu Jan 19, 2017 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Let's say you are dying this year
Replies: 46
Views: 6577

Re: Let's say you are dying this year

I'm sorry to hear of their situation. It must be stressful on your family. I would ask them each to write their own eulogy. I would also sit down on camera with each of them and ask them to describe their lives in detail. Capture what you can for their grandkids now basically. My first thought was ...
by BrandonBogle
Thu Jan 19, 2017 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Would you switch investment advisor to save $3000+/yr?
Replies: 17
Views: 1641

Re: Would you switch investment advisor to save $3000+/yr?

I might need to see a large denominator to feel comfort with 3 grand total in advisor fees, never mind extra. It would depend on what that person is doing for me. Can you buy the DFA funds you want while you still have access, transfer out in kind, and then slum rebalance with ETFs for the rest of ...
by BrandonBogle
Wed Jan 18, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard on finding a dead person's password
Replies: 86
Views: 6677

Re: Vanguard on finding a dead person's password

I also see no need for every beneficiary to contact them. The executor or trustee can do it. Imagine the mess one beneficiary can make if he calls and sends in the death certificate for assets subject to probate or meant to be used to pay off debts first. I am finding it difficult to imagine how re...
by BrandonBogle
Wed Jan 18, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?
Replies: 14
Views: 626

Re: TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?

Ugh. Apparently WellsTrade only permits FIFO for mutual funds trades submitted online (they allow SpecID for stocks and ETFs). Guess I'll actually have to talk to somebody now. That's annoying. :annoyed Well that was annoying. They said they don't support specific tax lot identification for mutual ...
by BrandonBogle
Wed Jan 18, 2017 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?
Replies: 14
Views: 626

Re: TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?

However, I have been considering reducing my long-term exposure in a raising rate environment for a bit now. That's the main relevant question IMO. If the Intermediate fund makes more sense for you, then the sale is a no-brainer. If you plan to regret being stuck with VWIUX for the long term, then ...
by BrandonBogle
Wed Jan 18, 2017 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?
Replies: 14
Views: 626

Re: TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?

So don't have dividends reinvested in the new fund if ultimately you don't want shares in the replacement fund. I think you can figure out what to do with them, right? Thanks. Not a problem. For most of my holdings, I don't have dividend reinvestment, instead doing it manually. My 401k doesn't even...
by BrandonBogle
Wed Jan 18, 2017 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?
Replies: 14
Views: 626

Re: TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?

Ugh. Apparently WellsTrade only permits FIFO for mutual funds trades submitted online (they allow SpecID for stocks and ETFs). Guess I'll actually have to talk to somebody now.
by BrandonBogle
Wed Jan 18, 2017 11:45 am
Forum: Investing - Help with Personal Investments
Topic: TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?
Replies: 14
Views: 626

Re: TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?

Can you enlighten us as to whether the "6 month rule" applies to either of these funds or not? Rules were changed in the "recent" past, recent enough that the information in previous threads on this 6-month rule is not necessarily accurate. NS https://www.bogleheads.org/wiki/Tax...
by BrandonBogle
Wed Jan 18, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?
Replies: 14
Views: 626

Re: TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?

Sure do it just for the practice. Lots of people made this trade in December, so plenty of threads on the subject. Thanks. I found a couple threads discussing the 6-mo rule, but missed the posts about whether it would be worthwhile to switch between these two funds. I need to hone my search-ninja s...
by BrandonBogle
Wed Jan 18, 2017 11:06 am
Forum: Investing - Help with Personal Investments
Topic: TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?
Replies: 14
Views: 626

TLH Vanguard Long-Term Tax Exempt to Intermediate Tax-Exempt?

Fellow Bogleheads, I am sitting on some short term capital losses of VWLUX/Vanguard's Long Term Tax Exempt Admiral Shares from a 11/2016 trade. I understand that this fund is exempt from the disallowance rule since it accrues daily and pays monthly. I would exchange for VWIUX/Intermediate Term Tax E...
by BrandonBogle
Wed Jan 18, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Why Vanguard why? (Donating to Donor advised Fund)
Replies: 19
Views: 1442

Re: Why Vanguard why? (Donating to Donor advised Fund)

This is one reason I have a Fido DAF and donate to it using my Fido taxable account. It would also probably work to have a Vanguard DAF and a Vanguard taxable account. In either one of those, it also makes it easier to unwind if executed properly. The Op got lucky that it was caught early. Now, it ...
by BrandonBogle
Wed Jan 18, 2017 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Why Vanguard why? (Donating to Donor advised Fund)
Replies: 19
Views: 1442

Re: Why Vanguard why? (Donating to Donor advised Fund)

If there wasn't a registration change involved, it could have been done through an automated system to avoid a Vanguard rep processing the request. Not necessarily. Some financial institutions demand "paper" no matter what and Vanguard may be one of them. My previous transfers out of Vang...
by BrandonBogle
Wed Jan 18, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Why Vanguard why? (Donating to Donor advised Fund)
Replies: 19
Views: 1442

Re: Why Vanguard why? (Donating to Donor advised Fund)

OP is transferring from Vanguard to Fidelity and wanted Fidelity to handle the transfer in the hope that he wouldn't have to deal with vanguards poor customer service in these types of transactions. Vanguard still managed to screw it up. The other theory would be that vanguard will screw up the tra...
by BrandonBogle
Wed Jan 18, 2017 1:42 am
Forum: Investing - Help with Personal Investments
Topic: Have a big loss with BND, sell, write off stock loss and re-buy?
Replies: 16
Views: 903

Re: Have a big loss with BND, sell, write off stock loss and re-buy?

If you plan to buy, sit out the market, and then rebuy so you can harvest this tax loss, perhaps now would also be a good time to evaluate if BND in taxable (while in the 33% bracket) is what you want to get back into. You could decide on a different holding, such as a tax-free bond fund and just m...
by BrandonBogle
Wed Jan 18, 2017 1:21 am
Forum: Investing - Help with Personal Investments
Topic: Why Vanguard why? (Donating to Donor advised Fund)
Replies: 19
Views: 1442

Re: Why Vanguard why? (Donating to Donor advised Fund)

I have not done a DAF transfer, but you might want to check if you can move the holding in-kind to a personally-owned Fidelity account, and then transfer from there to the donor fund. Since there would not be any registration change, this could then be done as an ACATS transfer to avoid a human bein...
by BrandonBogle
Wed Jan 18, 2017 1:18 am
Forum: Investing - Help with Personal Investments
Topic: Have a big loss with BND, sell, write off stock loss and re-buy?
Replies: 16
Views: 903

Re: Have a big loss with BND, sell, write off stock loss and re-buy?

Ok, thank you again for pointing out my typo in great length. So, it's $35,000. A detailed breakdown of my positions is easily available to me online, Vanguard has a website I can check so there's no need to beat a dead horse. The point of this thread is my potential TLH on my $2-3k loss I had just...
by BrandonBogle
Tue Jan 17, 2017 11:30 pm
Forum: Investing - Theory, News & General
Topic: Junior and Senior Financial Independence
Replies: 35
Views: 1775

Re: Junior and Senior Financial Independence

Personally, I plan to treat SS as a likely bonus that I'll see in the distant future. In the absence of a bear market, I could have "financial freedom" in 18 months, and will be 42. If (huge if) the rules remain roughly the same, I wouldn't plan on touching SS until age 70. If you have a ...
by BrandonBogle
Tue Jan 17, 2017 10:42 pm
Forum: Investing - Theory, News & General
Topic: Junior and Senior Financial Independence
Replies: 35
Views: 1775

Re: Junior and Senior Financial Independence

alexost wrote:But obviously you need to gross enough to pay taxes to get that amount.


See this thread: How to pay ZERO taxes in retirement with 6-figure expenses
by BrandonBogle
Tue Jan 17, 2017 10:22 pm
Forum: Investing - Theory, News & General
Topic: Junior and Senior Financial Independence
Replies: 35
Views: 1775

Re: Junior and Senior Financial Independence

I agree with the masses that we should be considering annual spending, not income. I make good money as an anesthesiologist, but I don't know that I'll ever have 20x my income. I'll be financially independent at less than 1/3 that level. I came up with a similar concept: Financial Independence vers...
by BrandonBogle
Tue Jan 17, 2017 8:49 pm
Forum: Investing - Theory, News & General
Topic: "Millennials may need to double how much they save for retirement"
Replies: 167
Views: 14950

Re: "Millennials may need to double how much they save for retirement"

livesoft wrote: Here's a funny video on that: https://www.youtube.com/watch?v=RGvrmltfMrA


That is hilarious. Sadly though, I have actually met some of my peers that match that :(
by BrandonBogle
Tue Jan 17, 2017 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Tax Exempt Bonds
Replies: 8
Views: 1109

Re: Vanguard Tax Exempt Bonds

I own Intermediate term Tax Exempt (VWITX) Great--thanks for the additional info. This fund has duration of 5.1 and an average stated maturity of around 8.5 years. Having held this fund for a long time, it's clear to me that VG targets keeping the fund duration in the low 5s pretty much all of the ...
by BrandonBogle
Tue Jan 17, 2017 6:08 pm
Forum: Investing - Theory, News & General
Topic: Junior and Senior Financial Independence
Replies: 35
Views: 1775

Re: Junior and Senior Financial Independence

Longdog wrote:I think the baseline should be your annual expenses, not annual income. But an entertaining concept, nonetheless.


Ding ding ding. Winner winner, chicken dinner.
by BrandonBogle
Tue Jan 17, 2017 6:06 pm
Forum: Investing - Theory, News & General
Topic: Junior and Senior Financial Independence
Replies: 35
Views: 1775

Re: Junior and Senior Financial Independence

Well that sucks for me. By that definitions, I won't ever be financially independent. My retirement goal number is 18X my current gross income (and targeting for when I'm 52). :( If it makes you feel better, all the calculators online tell me I can't retire at 20x until I'm in my late 60s at the ea...
by BrandonBogle
Tue Jan 17, 2017 5:33 pm
Forum: Investing - Theory, News & General
Topic: Junior and Senior Financial Independence
Replies: 35
Views: 1775

Re: Junior and Senior Financial Independence

Well that sucks for me. By that definitions, I won't ever be financially independent. My retirement goal number is 18X my current gross income (and targeting for when I'm 52). :(
by BrandonBogle
Tue Jan 17, 2017 5:10 pm
Forum: Investing - Theory, News & General
Topic: Do you manually do bookkeeping for all your investments by yourself?
Replies: 17
Views: 1849

Re: Do you manually do bookkeeping for all your investments by yourself?

Perhaps slightly askew of topic, but for those of you that keep your own records (Quicken, spreadsheet, etc) for lots and basis, etc, do you do so for 401k accounts? I do not for tax-advantaged accounts, but the providers of my tax advantaged accounts do keep track of basis for me. The only one (to...
by BrandonBogle
Tue Jan 17, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard on finding a dead person's password
Replies: 86
Views: 6677

Re: Vanguard on finding a dead person's password

Vanguard does know who owns what. I was thinking of another situation in which I wanted to transfer gift money into my new DIL's account. I knew her name (same last name as mine!) but Vanguard would not help me until I called her and gave Vanguard her actual account number. I did not need any type ...
by BrandonBogle
Tue Jan 17, 2017 1:07 pm
Forum: Investing - Theory, News & General
Topic: "Millennials may need to double how much they save for retirement"
Replies: 167
Views: 14950

Re: "Millennials may need to double how much they save for retirement"

Well I'm a millennial saving 30% or more of his income (based on whether you want to add my immediately-vested 7% employer match into the denominator) with parents who are struggling with retirement, but not eating Alpo. Social Security ensures they have a roof over their head and meager savings (ma...
by BrandonBogle
Mon Jan 16, 2017 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Disheartening to hear this about Vanguard
Replies: 33
Views: 6343

Re: Disheartening to hear this about Vanguard

livesoft wrote:
BW1985 wrote:I've never sold anything in taxable and hope I never have to, it sounds like a huge PITA.

It is not even a little PITA. It is simple. :)

Unfortunately, one sometimes reads some fake news on the internet and never believes the actual truth.


OMG so true!

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