Search found 207 matches

by GKSD
Fri Aug 11, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Warm Place for Thanksgiving family reunion
Replies: 27
Views: 2237

Re: Warm Place for Thanksgiving family reunion

+1 for San Diego. Nice warm place with lot of fun activities.

Two nice beach front options for renting cottages/villas.
https://beachvillageatthedel.com/accomm ... -coronado/ - expensive
http://bahiahotel.com/mission-bay-san-diego/
by GKSD
Tue Jul 18, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: Cheap TV Set-up for Limited Daily Use
Replies: 71
Views: 5391

Re: Cheap TV Set-up for Limited Daily Use

Put more concretely... in one room Wolf Blitzer intones "Happening now...". In the next room, Wolf adds "Breaking news..." In the vanity area -- where relative goes in preparation for going out -- the third TV is switched on and Wolf announces "A new bombshell in the XYZ story." The entire story an...
by GKSD
Tue Jul 18, 2017 9:13 am
Forum: Personal Consumer Issues
Topic: Cheap TV Set-up for Limited Daily Use
Replies: 71
Views: 5391

Re: Cheap TV Set-up for Limited Daily Use

Voice control actually wouldn't be a bad idea if one could just say, "Alexa, turn on CNN." It's all the other capabilities of Alexa I'd be wary about. With Alexa, you can perhaps turn the TV on and off using voice commands. But I don't think you would be able to browse and open Roku apps like CNN o...
by GKSD
Sun Jul 16, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: Recommendation for things to do in Seattle area
Replies: 18
Views: 1213

Recommendation for things to do in Seattle area

Me and DW will be taking a 6-day vacation to Seattle area and are looking for recommendations on what to do there. We are young couple (no kids) and are ok with outdoorsy activities and driving around. We land in Seattle late evening Jul 26th and plan to stay for couple of nights in a lodge (near Lo...
by GKSD
Sat Jul 15, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Cheap TV Set-up for Limited Daily Use
Replies: 71
Views: 5391

Re: Cheap TV Set-up for Limited Daily Use

If the existing old TV has an HDMI port, the easiest thing would be to use that TV and attach Roku streaming stick . Once the TV/Roku is set up to CNN, can the TV simply be turned off and on via the remote, with CNN always popping up immediately once the TV is turned on again? I'd like a solution t...
by GKSD
Sat Jul 15, 2017 10:24 am
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 19266

Re: How are folks handling the unprecedented rise in the market ?

Mostly staying still and watching the net worth number in the spreadsheet increase everyday. 401K is set for auto-invest into International fund since beginning of 2016 - continuing with that. New money is piling into short-term muni-bond fund - had been holding off re-balancing into US total mkt si...
by GKSD
Sat Jul 15, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Cheap TV Set-up for Limited Daily Use
Replies: 71
Views: 5391

Re: Cheap TV Set-up for Limited Daily Use

If the existing old TV has an HDMI port, the easiest thing would be to use that TV and attach Roku streaming stick . There are many FREE applications on Roku that stream news - I like CBSN and Reuters to catch up on the events and Bloomberg for business. Sky News for more international/Europe/Britis...
by GKSD
Tue Jul 11, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: instant pot [Pressure cooker]
Replies: 34
Views: 3307

Re: instant pot [Pressure cooker]

Yes, we use it - like someone earlier noted, for anything that needs to simmer for hours, pressure cooker is perfect for those things.
by GKSD
Mon Jul 10, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2648
Views: 848734

Re: What Book Are You Currently Reading? Part VI

Steve Jobs by Walter Isaacson
by GKSD
Mon Jul 10, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: September short trip ideas
Replies: 32
Views: 2505

Re: September short trip ideas

spectec wrote:Grand Canyon & Sedona.
+1 - we (me and DW) did this in 4 days and it was awesome fun. But we drove from San Diego and roadtrip was part of the fun.

Few years back, we did Paris+Versailles in 4 days.

This month we are going to Mount Rainer+Seattle+Other nearby places for a week.
by GKSD
Sat Jul 08, 2017 10:44 pm
Forum: Investing - Theory, News & General
Topic: "Bond wipeout has just begun"???
Replies: 84
Views: 12435

Re: "Bond wipeout has just begun"???

Mel, with all due respect, can you explain what that means? I don't think what you wrote just there even makes any sense. I assumed he meant: hold each bond fund for at least as long as the average duration of the fund. But I could be wrong. Correct. Mel is stating the conventional wisdom that appl...
by GKSD
Sat Jul 08, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Android phone, which one?
Replies: 16
Views: 1425

Re: Android phone, which one?

Too many options - you might want to decide which tier of phone you want and what are your killer use cases (camera, Bluetooth, WiFi, LTE...) Many Chinese phone manufacturers are producing spectacular phones now and they cost less but many are not available in US yet (like from Xiaomi, OPPO..). Prem...
by GKSD
Sat Jul 08, 2017 8:41 pm
Forum: Investing - Theory, News & General
Topic: "Bond wipeout has just begun"???
Replies: 84
Views: 12435

Re: "Bond wipeout has just begun"???

So is this "really" the end of the multi-year bond rally? And if bonds/bond funds are in for a long period of declining prices, and stocks are pricey, what do you do? Sit it out in a money market fund making nothing (and actually losing money to inflation)? https://www.bloomberg.com/news/articles/2...
by GKSD
Sat Jul 08, 2017 10:03 am
Forum: Investing - Theory, News & General
Topic: "Bond wipeout has just begun"???
Replies: 84
Views: 12435

Re: "Bond wipeout has just begun"???

Match your bond holdings to the bond fund's duration and then ride it out. Not able to fully understand this comment - could you please provide some more info on how can this be actionable? Are you suggesting to make individual bond fund holding as %-age of overall portfolio to be same as the durat...
by GKSD
Sat Jun 03, 2017 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Is Flagship membership status worth a $50 [transaction] fee?
Replies: 40
Views: 5912

Re: Is Flagship membership status worth a $50 [transaction] fee?

Transaction fee? What transaction is this fee for - sale transaction for 25 stocks you have with VG brokerage?
by GKSD
Wed Apr 19, 2017 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 14620

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

My opinion only and based on my experience. I assume you don't have a personal gripe with your boss and the issue is not of a sensitive nature like harassment. And that all issues are work related and you want your boss to work bit differently or you want your boss to improve in certain situations ...
by GKSD
Wed Apr 19, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 14620

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

My opinion only and based on my experience. I assume you don't have a personal gripe with your boss and the issue is not of a sensitive nature like harassment. And that all issues are work related and you want your boss to work bit differently or you want your boss to improve in certain situations o...
by GKSD
Wed Apr 12, 2017 11:45 pm
Forum: Personal Consumer Issues
Topic: Week in San Diego - What to do?
Replies: 35
Views: 2675

Re: Week in San Diego - What to do?

In no particular priority order and most are touristy things to do. 1. Balboa Park - nice to walk around. If you end up there on a Sunday afternoon be sure to check out International Cottages - open Noon to 5PM. They have lawn program starting 2PM. 2. San Diego Zoo Safari Park - I find Safari Park m...
by GKSD
Fri Apr 07, 2017 8:57 am
Forum: Investing - Theory, News & General
Topic: Reporter Doing Story on Credit Karma Free Tax Prep
Replies: 1
Views: 684

Re: Reporter Doing Story on Credit Karma Free Tax Prep

Looks like the WSJ story came out today- https://www.wsj.com/articles/the-real-reason-everyone-offered-you-free-tax-prep-this-year-1491557402 The Real Reason Everyone Offered You Free Tax Prep This Year As more Americans file their own taxes online, paid preparers are thirsty for data they can use i...
by GKSD
Sun Apr 02, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payment question
Replies: 4
Views: 582

Estimated tax payment question

I am trying to calculate estimated taxes - tried Taxcaster, HR block estimator, did my own spreadsheet but bit confused on the right way to decide on quarterly payments. Both (self and DW) have W2 income and additionally DW has 1099 income as well. There is lumpiness in both incomes - my W2 income i...
by GKSD
Wed Mar 29, 2017 11:18 pm
Forum: Investing - Theory, News & General
Topic: Mega Backdoor: In-Plan vs Out-of-plan conversion
Replies: 20
Views: 1238

Re: Mega Backdoor: In-Plan vs Out-of-plan conversion

From a tax perspective they are similar since I will be rolling over the after-tax contributions as well as the taxable growth to a Roth IRA in both cases . I am confused on which route to take. Any suggestions from the bogleheads community? I think for in-plan conversion/rollover you would likely ...
by GKSD
Wed Mar 29, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Messed Up a Roth Conversion
Replies: 2
Views: 514

Re: Messed Up a Roth Conversion

Last year, 2016, I was finally in the financial position to be able to get a year ahead on my IRA. So, prior to April 15, I contributed and converted $5500 for 2015 and did the same for 2016. Well, doing my Form 8606 this year it looks like I screwed up and will have to pay taxes on that $5500 for ...
by GKSD
Sun Mar 26, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Can a cell phone get hacked?
Replies: 20
Views: 2535

Re: Can a cell phone get hacked?

Can a cell phone get hacked? Yes - google and you will find the answers - just about everything has been hacked. Waiting for my toaster to be hacked. Android phones - http://money.cnn.com/2016/11/30/technology/android-phones-infected/ Apple phones - http://www.foxnews.com/tech/2017/03/24/wikileaks-...
by GKSD
Sun Mar 26, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: NFC (near field communication) desirability
Replies: 22
Views: 2340

Re: NFC (near field communication) desirability

What do you want to use NFC for? Mobile payments at the retailers?
by GKSD
Sun Mar 26, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 95
Views: 5789

Re: How did you do your income taxes?

Turbotax online - Self-Employed version (Personal and Business Income/Expenses). Paid $106 including e-filing State. Next year I am planning to move to desktop version (CD/download) - it seems that will work out to be about $20 cheaper and has more features like forms-mode plus can be used year long...
by GKSD
Sun Mar 26, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Anyone taken a mid-career sabbatical?
Replies: 47
Views: 6972

Re: Anyone taken a mid-career sabbatical?

I take 4-5 weeks of paid vacation every year - most of the times in one 4-week chunk and travel around. Going on leave-of-absence for a year-long sabbatical, I think would do irreparable harm to my job and possibly future job prospects. And there is a chance I might go crazy during the year-long sab...
by GKSD
Sat Mar 25, 2017 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401K: 1099 income reported as 'Other Income'
Replies: 5
Views: 488

Re: Solo 401K: 1099 income reported as 'Other Income'

Other folks with specific knowledge can reply better on this. But 1099 income needs to be reported on Schedule C - Profit and Loss from Business - the solo 401K contribution will come from net profits from Schedule C. 1099-Nonemployee Compensation goes on Schedule C. I think 1099-Other Income goes o...
by GKSD
Thu Mar 23, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 4307

Re: What is your preferred Weather App?

Living in San Diego here, don't really need a weather app
by GKSD
Thu Mar 23, 2017 9:25 am
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 103
Views: 10135

Re: Blog on emerging Markets, and investors underweighting them

It would be good if the article data could be boiled to down a specific actionable recommendation for unsophisticated investors like me . Is there a recommendation on how much weight should be given to EM - consider a standard 3-Fund portfolio with 60/40 stock/bond asset allocation with 20% of stock...
by GKSD
Sun Mar 19, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: SEP-IRA and 1099 Income
Replies: 12
Views: 797

Re: SEP-IRA and 1099 Income

Perhaps someone in Bogleheads admin can add the link to tbf's Solo-401K contribution calculator to the Solo-401K wiki page (may be in the external links section?)
by GKSD
Sun Mar 19, 2017 9:47 am
Forum: Investing - Help with Personal Investments
Topic: How to Save a Chart?
Replies: 9
Views: 851

Re: How to Save a Chart?

I think on Morningstar, there is a 'Share this Chart' link at the bottom left of the chart - perhaps that might be helpful; else you can do the print-screen or use the web-browser Print option to save entire page as PDF.
by GKSD
Sun Mar 19, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: SEP-IRA and 1099 Income
Replies: 12
Views: 797

Re: SEP-IRA and 1099 Income

Thank you all for your helpful replies. I have been looking around to try to figure out how much I could contribute to a solo 401k. This Solo-401k Contribution Calculator by tbf has been extremely helpful. It takes into account salary deferrals for w2 job, SE tax deduction and then calculates the s...
by GKSD
Fri Mar 17, 2017 9:17 pm
Forum: Investing - Theory, News & General
Topic: Taxable-equivalent yield calculator (Vanguard)
Replies: 1
Views: 358

Taxable-equivalent yield calculator (Vanguard)

Just to be accurate shouldn't taxable-equivalent yield calculator (Vanguard) be fixed to add 3.8% investment income tax on top of the marginal tax rate? I am in 33% tax bracket but it seems the taxable equivalent calculation should really be with 36.8% tax since I end up paying additional 3.8% inves...
by GKSD
Thu Mar 16, 2017 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: tax for backdoor Roth
Replies: 7
Views: 708

Re: tax for backdoor Roth

If you just hand fill form 8606 it will give you pretty good idea. Its a simple form. Line 6 - only asks for traditional IRA balance on Dec 31st. I think the conversion is going to be on your 2017 return.
by GKSD
Wed Mar 15, 2017 10:47 pm
Forum: Investing - Theory, News & General
Topic: BND Jumps 0.5% on Fed Announcement
Replies: 43
Views: 4944

Re: BND Jumps 0.5% on Fed Announcement

But wait, everyone said the rate increase was already priced in. May be this genius knows something.. Despite a well-telegraphed move, news of the rate hike pushed government bond yields lower while major averages in the stock market moved higher. "The market was bracing for a much more hawkis...
by GKSD
Tue Mar 14, 2017 9:36 pm
Forum: Investing - Theory, News & General
Topic: Confused with Bonds
Replies: 3
Views: 785

Confused with Bonds

I don't deeply understand how Bonds work and how market and Fed effect Bond fund parameters like yield and NAV. I own these Bond funds - mix across Long-Term, Interm-Term and Short-term. Fund Yield Duration ---------------------------------------------------------------------------------------------...
by GKSD
Sun Mar 12, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get condo earthquake insurance (California)?
Replies: 18
Views: 2736

Re: Should I get condo earthquake insurance (California)?

Reviving this thread from couple years back. I live in Southern CA and its time to renew my Condo insurance policy. The policy currently has building property coverage limit of $50,000 which is the per unit deductible on the HOA master policy. Other things on my condo policy include personal propert...
by GKSD
Fri Mar 10, 2017 12:44 am
Forum: Personal Finance (Not Investing)
Topic: W2 vs 1099 - mitigating negatives with W2
Replies: 4
Views: 730

Re: W2 vs 1099 - mitigating negatives with W2

Has she investigated whether the W-2 employer will reclassify her as an IC. Many larger companies do not want to risk IC contractors being classified as employees and be sanctioned by the IRS. However, the fact that she has multiple clients strongly supports the case that she should in fact be clas...
by GKSD
Thu Mar 09, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: W2 vs 1099 - mitigating negatives with W2
Replies: 4
Views: 730

W2 vs 1099 - mitigating negatives with W2

My DW is a freelancer and works from home office. She works with multiple clients. One of her new big client has her setup as a W2 employee - they are paying the /hr rate which is same as her independent contractor /hr rate with her other clients. However, this W2 client offers no other benefits lik...
by GKSD
Thu Mar 09, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Another W2 Vs 1099 question
Replies: 11
Views: 792

Re: Another W2 Vs 1099 question

Deleted the post and posted as separate thread as I realized my question might be opposite to what OP was asking.
by GKSD
Wed Mar 08, 2017 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Tax exempt index fund tax reporting
Replies: 4
Views: 600

Re: Tax exempt index fund tax reporting

You have lot of empty-space in your post https://personal.vanguard.com/us/insights/taxcenter/state-specific-tax - this link provides information on dividends earned per state but if those dividends are exempt from state tax or not depends on your state. Take CA as example - For VWIUX, dividends earn...
by GKSD
Tue Mar 07, 2017 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: SEP-IRA to 401k for backdoor Roth
Replies: 7
Views: 516

Re: SEP-IRA to 401k for backdoor Roth

From what I recall, you have to setup the individual 401K during the tax year but you have till Apr 15th to fund it for the tax year. So looks like you have already made 2016 contributions to SEP-IRA? Have you also made SEP-IRA contributions for 2017 - just about 2 months into the tax year?
by GKSD
Sat Mar 04, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Beginner-Level Question About Backdoor Roth Contributions
Replies: 3
Views: 471

Re: Beginner-Level Question About Backdoor Roth Contributions

If you have been filing the required form 8606 every year that you made these non-deductible TIRA contributions, that form captures your non-taxable basis when you do the Roth conversion. Check line 3 on your last 8606 form. Your tax software will ask the relevant questions to fill out form 8606 thi...
by GKSD
Sat Mar 04, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: RSU + Autosale for taxes
Replies: 17
Views: 1600

Re: RSU + Autosale for taxes

Thanks everyone, this was really good advice and saved me from overpaying an accountant. I have one more question. Now that I filed the taxes, TurboTax says I need to make estimated payments next year or I'll probably owe penalties, and that I believe. But it says I should pay the IRS $3,095 every ...
by GKSD
Sat Mar 04, 2017 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion Question
Replies: 1
Views: 263

Re: Roth Conversion Question

I think the conversion calculation will get pro-rated across the pre-tax and non-deductible amount. You might want to run through the simple calculation on Form 8606 to get specific numbers. Line 6 is your TIRA value on Dec 31st and then Line 10 is the proportional factor that pro-rates your non-tax...
by GKSD
Thu Mar 02, 2017 10:01 pm
Forum: Investing - Theory, News & General
Topic: I am calling a market bubble right now.
Replies: 27
Views: 3288

Re: I am calling a market bubble right now.

Thanks for the tip !
by GKSD
Thu Mar 02, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: RSU + Autosale for taxes
Replies: 17
Views: 1600

Re: RSU + Autosale for taxes

From 1099-B: On 03/15/16, 10.0000 shares sold for gross proceeds of $7,706.50 with cost basis of 7,696.40 . This is a short term non-covered sale. I then tell TurboTax that I have more information to enter, and type in the following from my employer's stock plan report (for this single sale): Feder...
by GKSD
Tue Feb 28, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: IRA Contribution limit + Rollover
Replies: 5
Views: 716

Re: IRA Contribution limit + Rollover

Thanks. Another quick question - is there a typical time delay that most people here follow between making a non-deductible contribution to TIRA to converting it to Roth IRA.
by GKSD
Fri Feb 24, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: IRA Contribution limit + Rollover
Replies: 5
Views: 716

Re: IRA Contribution limit + Rollover

When AGI doesn't allow direct contributions to Roth IRA, is there any risk of raising red flags with IRS when the higher $ amounts are back-doored into Roth IRAs? Seems like common thing and many people are doing it.. but there had been some posts where someone mentioned about IRS questioning the in...
by GKSD
Wed Feb 22, 2017 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Contribution limit + Rollover
Replies: 5
Views: 716

IRA Contribution limit + Rollover

I plan to make $5500 of non-deductible TIRA contribution for 2017 and then convert that to Roth IRA . However, this year I also rolled over ~$7000 of After-tax 401k contributions (and minimal pre-tax earnings on those contributions) to Roth IRA . From what I read , it appears I am all clear to make ...