Search found 250 matches

by GKSD
Sat May 26, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6031

Re: How have you upgraded your wardrobe?

I work in tech industry in So Cal and our office attire is shorts, t-shirts and flip-flops. Don't need to spend too much even if I want to look nicer and sharper :beer
by GKSD
Fri May 25, 2018 11:08 pm
Forum: Personal Consumer Issues
Topic: Which tickets would you buy in advance (Europe)?
Replies: 20
Views: 1188

Re: Which tickets would you buy in advance (Europe)?

Will be in Europe this summer. Which activity/tour/museum tickets would you purchase/recommend in advance? Also, City Passes worth it in any of these cities? London Rhine River (Bacharach) Munich Venice Rome Cinque Terre/Pisa Swiss Alps (Lauderbraunen) Paris Travelling to Rome next week - have boug...
by GKSD
Fri May 25, 2018 11:02 pm
Forum: Personal Consumer Issues
Topic: Which tickets would you buy in advance (Europe)?
Replies: 20
Views: 1188

Re: Which tickets would you buy in advance (Europe)?

Will be in Europe this summer. Which activity/tour/museum tickets would you purchase/recommend in advance? Also, City Passes worth it in any of these cities? London Rhine River (Bacharach) Munich Venice Rome Cinque Terre/Pisa Swiss Alps (Lauderbraunen) Paris Travelling to Rome next week - have boug...
by GKSD
Thu May 24, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Buying Crypto tokens in private sale prior to ICO
Replies: 21
Views: 1286

Re: Buying Crypto tokens in private sale prior to ICO

Aren't ICO's a joke nowadays? Pretty much like buying a penny stock. How did they come up with the initial offering price and why would they offer it to a freelancer for a discount? What is the incentive for the public to buy this coin over anything else? Yes price/token in private sale seem to be ...
by GKSD
Thu May 24, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Buying Crypto tokens in private sale prior to ICO
Replies: 21
Views: 1286

Buying Crypto tokens in private sale prior to ICO

DW works as a freelancer for a small fintech company who is planning initial coin offering (ICO) for their version of cryptocurrency. The company is offering her access to their private sale of crypto tokens prior to their anticipated ICO. The token price in private sale seems to be highly discounte...
by GKSD
Sun May 13, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Water leaking from shared wall in condo - next steps?
Replies: 21
Views: 2413

Re: Water leaking from shared wall in condo - next steps?

Is the HOA responsible for the common wall? Ask and find out if you aren't sure. If they are ask them to investigate and repair. I'd also talk to your neighbor. Perhaps they have a water leak in their washer. Sort through the easy options first before calling in a plumber. HOA is responsible for co...
by GKSD
Sun May 06, 2018 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Mobile Deposit Gone Wrong
Replies: 19
Views: 2814

Re: Mobile Deposit Gone Wrong

Once I had an amount debited from my checking-account which happened to be from a check written by a different account-holder whose account number increments mine by 1 (last digit of account number increments by 1).
by GKSD
Sun Apr 22, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Traveling to italy.........
Replies: 19
Views: 2041

Re: Traveling to italy.........

We will be in Italy in about a month and we have already reserved our tickets for Rome to Florence and Florence to Venice trip. We are planning to use the private train operator https://www.italotreno.it/en
by GKSD
Sun Apr 22, 2018 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 121
Views: 8549

Re: Vanguard Web Site Down?

Working fine, no problems.
by GKSD
Fri Apr 20, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: How long have you been employed?
Replies: 44
Views: 2740

Re: How long have you been employed?

In 25th year and in my 4th job (same profession). In this 4th job for last 20 years :)
by GKSD
Sat Apr 14, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Paypal 1099-K Issue - Timing of Income
Replies: 13
Views: 526

Re: Paypal 1099-K Issue - Timing of Income

If you earned $4,500 in 2017 then seem like you did the right thing by including all for 2017 taxes. I think, the date when you transfer these earnings to your Paypal account should not really matter. Doesn't Rover.com send 1099-Misc for this income? Even if it does not, if you earned this income in...
by GKSD
Sun Apr 08, 2018 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: How to report a brokerage promotion bonus on Turbotax?
Replies: 20
Views: 1459

Re: How to report a brokerage promotion bonus on Turbotax?

Whats wrong with reporting it on Schedule C?
by GKSD
Sun Apr 08, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Can I contribute to a Individual 401K if my income is only from W2?
Replies: 19
Views: 1804

Re: Can I contribute to a Individual 401K if my income is only from W2?

Day trading profits would be short term capital gains that would go on Schedule D - and don't think these would qualify for individual-401K contributions.
by GKSD
Sun Apr 08, 2018 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: If you want an actively managed fund, which one would you use?
Replies: 70
Views: 5298

Re: If you want an actively managed fund, which one would you use?

In my 401K, I use:

Fidelity Contrafund (FCNKX)
American Funds EuroPacific Growth Fund (RERGX)
by GKSD
Sun Apr 08, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Solo401 K Question.
Replies: 10
Views: 647

Re: Solo401 K Question.

Yes, correct - the salary deferral is limited to $17K, since $1K was contributed to 401K from W2-job. OP, I suggest you use this Solo-401K contribution calculator I had posted earlier and plug in your W2 and business income data together. The SE taxes for business income might change also if some of...
by GKSD
Sun Apr 08, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Solo401 K Question.
Replies: 10
Views: 647

Re: Solo401 K Question.

Hello All, My schedule C - Profit for Business is 173K from Sole Proprietary LLC. I have Solo401 K account set up with Fidelity. It appears as Profit Sharing Koegh. From what I understand I can make up to 18000 of Earned income as "Employee contribution" to Solo401k. Also I can make 20% of 173K ( w...
by GKSD
Sat Apr 07, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax messing up Roth IRA conversion?
Replies: 4
Views: 440

Re: Turbotax messing up Roth IRA conversion?

https://thefinancebuff.com/how-to-repor ... botax.html

You might not have entered 1099-R correctly. The above link has step-by-step information on how to enter backdoor roth and subsequent conversion in TT.
by GKSD
Sat Apr 07, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Understanding the meaning of CAPE
Replies: 8
Views: 986

Re: Understanding the meaning of CAPE

I watched the video GKSD posted and it looks like Arnott's main contention for why CAPE has gotten so high is that Baby Boomers are buying stocks at any price because they are nearing retirement. No, I don't think he is saying that - he is saying one possible catalyst for CAPE ratio to tumble is th...
by GKSD
Sat Apr 07, 2018 9:21 am
Forum: Investing - Theory, News & General
Topic: Understanding the meaning of CAPE
Replies: 8
Views: 986

Re: Understanding the meaning of CAPE

CAPE Fear: Why CAPE Naysayers are Wrong

Rob Arnott from Research Affiliates has an interesting talk on CAPE on their website.
by GKSD
Thu Apr 05, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on Vanguard Muni Funds
Replies: 8
Views: 1105

Re: Taxes on Vanguard Muni Funds

Actually the PDF doesn't say what you claim; all it says is that 12.76% of the income is from CA bonds. Really though, the chart line for California should actually have a symbol for a footnote similar to the asterisk shown for Minnesota. In California's case, the state law is that unless at least ...
by GKSD
Thu Apr 05, 2018 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Solo401 K Question.
Replies: 10
Views: 647

Re: Solo401 K Question.

And this is an excellent Solo 401K contributions calculator - you can plug in your W2/401K scenario and see what your Solo-401K contributions will be.
by GKSD
Wed Apr 04, 2018 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k
Replies: 5
Views: 500

Re: Solo 401k

Solo-401K Contribution Calculator from tbf is a good calculator to get breakdown of contribution between employee deferral and profit sharing.

For net business income of $100K: employee deferral = $18,500, profit sharing = $18,587
by GKSD
Wed Apr 04, 2018 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Estimated taxes for 2018
Replies: 18
Views: 1822

Re: Estimated taxes for 2018

CAsage wrote:
Wed Apr 04, 2018 3:02 pm
www.excel1040.com
+1

I did my 2018 estimated taxes using Excel 1040. I am finding that about the biggest thing changing for me in 2018 is the elimination of AMT (this year I got hit hard with AMT >$9K).
by GKSD
Tue Apr 03, 2018 8:49 am
Forum: Investing - Theory, News & General
Topic: Random Walk on Sale
Replies: 14
Views: 2053

Re: Random Walk on Sale

And also The Intelligent Investor by Benjamin Graham. Bought both of them yesterday. They are still both on sale for $2.99 (Kindle version) today as well.
by GKSD
Sun Mar 18, 2018 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Intermediate Term Tax Exempt (VWITX)
Replies: 6
Views: 1138

Re: Vanguard Intermediate Term Tax Exempt (VWITX)

The delineation might be helpful. Depending on the PA tax rules, the muni income generated by VWITX within PA might be tax-exempt from PA state tax. The muni income generated from other states is taxable for PA. But you might want to double check the PA state tax rules about this. I briefly googled ...
by GKSD
Mon Mar 05, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: CA Subtraction, Addition for Tax-Exempt Dividends
Replies: 18
Views: 1442

Re: CA Subtraction, Addition for Tax-Exempt Dividends

^ Great job! I like it. This is contrary to what Vanguard answered back to me when they first switched clients to brokerage accounts and the Federal Money Market Fund was the default settlement fund. During your research, did you definitively find out if the total amount of interest is exempt from ...
by GKSD
Sun Mar 04, 2018 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: CA Subtraction, Addition for Tax-Exempt Dividends
Replies: 18
Views: 1442

Re: CA Subtraction, Addition for Tax-Exempt Dividends

Regarding the federal money market fund, all of the interest from that fund is subject to CA income tax. The interest federal debt that is NOT subject to CA income tax is listed on page 42 and includes U.S. savings bonds, U.S. treasuries, other bonds or obligations of the U.S., etc. While the Feder...
by GKSD
Sun Mar 04, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: CA Subtraction, Addition for Tax-Exempt Dividends
Replies: 18
Views: 1442

Re: CA Subtraction, Addition for Tax-Exempt Dividends

Denovo, How is this more complicated? It's going to be all or none, at least for California. You can't exempt 18% of a fund's dividends in CA, for example; you're going to have pay the entire amount. I'd love to learn otherwise so if you've got something, please share it. Is this true? I agree with...
by GKSD
Sat Mar 03, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: CA Subtraction, Addition for Tax-Exempt Dividends
Replies: 18
Views: 1442

CA Subtraction, Addition for Tax-Exempt Dividends

This gets me every year. I have tax exempt dividends from VG Limited, Short and Intermediate-term tax exempt funds . Not taxable for federal but I am not clear if I have to add them to CA return while going through the flow of screens on Turbotax online version. I also have tax-exempt dividends from...
by GKSD
Fri Mar 02, 2018 12:09 am
Forum: Personal Consumer Issues
Topic: Thinking of getting an Apple Watch
Replies: 82
Views: 8392

Re: Thinking of getting an Apple Watch

I got a series 1 like a month ago and it lasted 10 days. After 10 days it went dead - would not charge or turn on. I think Apple has quality issues with watch production. Since it was still in warranty Apple sent in a replacement. So far not really impressed - finding it just an add on toy, not a ne...
by GKSD
Sun Feb 25, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Rome-Florence-Venice-Prague summer vacation
Replies: 54
Views: 3435

Rome-Florence-Venice-Prague summer vacation

This summer vacation myself (in 40s) and DW (in 30s) (& no kids) will be visiting Rome-Florence-Venice-Prague over 2 weeks (first 2 weeks of June). Thus far we have been planning to hit most all touristy places in these cities - these are all top 10 things to see & do on TripAdvisor and other such w...
by GKSD
Wed Feb 21, 2018 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Employment for Immigrant Wife
Replies: 27
Views: 2604

Re: Employment for Immigrant Wife

Be a freelancer and work from home. Google and you will find many websites which offer freelancing jobs.
by GKSD
Sun Feb 18, 2018 12:56 am
Forum: Investing - Help with Personal Investments
Topic: What is the right way to report 1099B with wrong zero cost basis (RSU)?
Replies: 4
Views: 1149

Re: What is the right way to report 1099B with wrong zero cost basis (RSU)?

Etrade also provides a Stock Plan Transaction Supplemental Information along with 1099-B which has the correct basis listed. In Turbotax, fill out the details of the sale as listed on 1099-B including $0 cost basis in 1e and then click on something like "I will add additional information" on the sam...
by GKSD
Mon Feb 12, 2018 12:28 am
Forum: Personal Finance (Not Investing)
Topic: HSA section in Turbotax online version & Form-8889
Replies: 19
Views: 1494

Re: HSA section in Turbotax online version & Form-8889

Not quite related to HSA contributions, but have another question related to health care payments. I pay spousal-surcharge through payroll deductions, to have my employer cover my spouse under the same healthcare plan. This surcharge is paid pre-tax so I think it is removed from W2 wages. But are th...
by GKSD
Sun Feb 11, 2018 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: HSA section in Turbotax online version & Form-8889
Replies: 19
Views: 1494

Re: HSA section in Turbotax online version & Form-8889

nps wrote:
Sun Feb 11, 2018 6:02 pm
Code W is considered the employer contribution even if some or all of it is your own payroll allotment.
Thanks, then what goes on Form 8889 line 2? Contributions made outside of payroll deductions?
by GKSD
Sun Feb 11, 2018 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: HSA section in Turbotax online version & Form-8889
Replies: 19
Views: 1494

HSA section in Turbotax online version & Form-8889

I am filling out the HSA information in Turbotax online version - it seems like there is no screen where the HSA contribution breakdown can be entered. In my case, my employer contributes to HSA and I contribute through payroll deduction. The total contribution amount is $6,750 and it shows up on W2...
by GKSD
Thu Feb 08, 2018 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401k basic question
Replies: 12
Views: 759

Re: Solo 401k basic question

Try this calculator for Solo-401K contributions.

Your total Solo-401K contribution (employee deferral+profit sharing) go on line 28 of 1040, which is deducted from line 22 Total Income.
by GKSD
Wed Feb 07, 2018 12:51 am
Forum: Personal Finance (Not Investing)
Topic: Is this 1099-R for my megabackdoor 401k incorrect?
Replies: 16
Views: 1330

Re: Is this 1099-R for my megabackdoor 401k incorrect?

Given this, what should be the correct amounts for boxes 1, 2a, 5, 10, and 14 for my in-plan-roth-rollover? I rolled over Out-of-plan not In-plan. Rolled over traditional After-tax 401K contributions+earnings from Fidelity to Roth IRA at Vanguard. No taxes were withheld. You are doing In-Plan Roth ...
by GKSD
Sun Jan 28, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3064
Views: 945393

Re: What Book Are You Currently Reading? Part VI

Thinking, Fast and Slow, by Daniel Kahneman. NYTimes review here.

Just finished reading Sapiens, A brief history of humankind, by Yuval Noah Harari. Enjoyed it.
by GKSD
Sat Jan 20, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?
Replies: 28
Views: 1971

Re: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?

Check out Norwegian Air. Last I looked it was something like $129 one way from LA. +1 - we (self and DW) booked our summer vacation (first 2 weeks of June) last month with Norwegian. LAX to ROME - total $540 for both and then back PRAGUE to LAX - total $681 for both - tickets are no frill - no chec...
by GKSD
Sat Jan 20, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?
Replies: 28
Views: 1971

Re: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?

Check out Norwegian Air. Last I looked it was something like $129 one way from LA. +1 - we (self and DW) booked our summer vacation (first 2 weeks of June) last month with Norwegian. LAX to ROME - total $540 for both and then back PRAGUE to LAX - total $681 for both - tickets are no frill - no chec...
by GKSD
Fri Dec 01, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 12733

Re: Price of haircut?

Southern California: Myself $12+$2 Tip (Monthly); DW $45+$5 Tip (whenever she feels like)
by GKSD
Sun Nov 26, 2017 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 309
Views: 32676

Re: Anyone tired of the stock market going up?

May be not tired, but unusual lack of volatility is bit alarming - don't know what event will break this calm. Here is an article today in the journal , citing the work done by few students at Harvard & MIT: The researchers created two investing scenarios. In one, the risk-free rate of return from i...
by GKSD
Fri Aug 11, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Warm Place for Thanksgiving family reunion
Replies: 27
Views: 2771

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: 6439

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: 6439

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: 1424

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: 6439

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: 21907

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: 6439

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...