Search found 4717 matches

by HueyLD
Tue Feb 28, 2017 11:53 am
Forum: Investing - Help with Personal Investments
Topic: What's Happened to Vanguard Reps?
Replies: 6
Views: 311

Re: What's Happened to Vanguard Reps?

I don't think VG flagship reps are supposed to give investment advice. Investment advice can be had from a CFP thru VPAS. Vanguard says: When you call, you'll speak with an experienced Flagship representative who will act as your guide to all the services we offer our high-net-worth clients. Wheneve...
by HueyLD
Tue Feb 28, 2017 11:16 am
Forum: Investing - Theory, News & General
Topic: I think Buffet sees oil price go lower
Replies: 23
Views: 1475

Re: I think Buffet sees oil price go lower

I thought there was an "all you can eat" buffet until I realized that it was Warren Buffett, not the buffet line that I frequent. :)
by HueyLD
Tue Feb 28, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 34
Views: 1806

Re: Don't pay full price for cable TV

I had an offer in hand to switch TV providers, so I called Comcast to cancel. I told them that I would prefer to stay with them - they didn't even have to match my other offer, just come close. They said no and I scheduled the Comcast cancelation for the install date of the new provider. On the ins...
by HueyLD
Mon Feb 27, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare/ACA and Early Retirement
Replies: 16
Views: 1002

Re: Obamacare/ACA and Early Retirement

If Obamacare Exits, Some May Need to Rethink Early Retirement (from The New York Times) This is concerning to me. I was hoping to retire before I turn 63.5, and if any health insurance I can get is paltry, I'll have to work until 63.5 when I can use COBRA to bridge to Medicare. Alternatively, you c...
by HueyLD
Sun Feb 26, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: VG Total World Stock Fund - Amt of Foreign Inc for Tax Credit
Replies: 3
Views: 192

Re: VG Total World Stock Fund - Amt of Foreign Inc for Tax Credit

Calculate the necessary information (at a total dollar per share level) as follows: Foreign tax = Income dividend* x 0.03985 Foreign income = Total foreign tax x 16.08135 QDI-eligible foreign income = Total foreign tax x 11.56784 * The income dividend does not include capital gains distributions (w...
by HueyLD
Sun Feb 26, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: Why does Vanguard endorse TurboTax?
Replies: 6
Views: 1114

Re: Why does Vanguard endorse TurboTax?

The TT link on Vanguard site does provide pretty good discounts.

I assume that the Intuit pays Vanguard for the privilege.
by HueyLD
Sun Feb 26, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Prior year AGI doesn't match and I can't retrieve it??
Replies: 11
Views: 724

Re: Prior year AGI doesn't match and I can't retrieve it??

Try again. Delete what you enter and re-enter year 2015 AGI again.

Make 100% certain that you use the 2015 AGI, not an earlier year.
by HueyLD
Sun Feb 26, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block software problem
Replies: 21
Views: 1006

Re: H&R Block software problem

Bruce,

Maybe you should report such errors to the HRB. I think they can easily fix the problem on their next update.
by HueyLD
Sun Feb 26, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: VG form: Assets by state
Replies: 5
Views: 454

Re: VG form: Assets by state

I received the form from VG titled: Assets by state for VG municipal bonds funds and VG Tax-Managed Balanced Fund Admiral Shares The first sentence states: State nd local governments may require residents to pay intangible or personal property tax on investments. I own: Intermediate Term and Long-T...
by HueyLD
Sun Feb 26, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Donating Vanguard Admiral shares to Fidelity Charitable
Replies: 11
Views: 759

Re: Donating Vanguard Admiral shares to Fidelity Charitable

IIRC, Fidelity said that Vanguard would not allow Admiral shares to be held at Fidelity.

It should be an easy phone call to Fido to get an answer.

Alternatively, can you ask Vanguard to downgrade your MF from Admiral to Investor shares?
by HueyLD
Sat Feb 25, 2017 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block software problem
Replies: 21
Views: 1006

Re: H&R Block software problem

How old is your computer?

Does it have enough disk space left to install 100% of the software?

It may be about time for you to call HRB's customer support?
by HueyLD
Sat Feb 25, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Delivering a Large Check
Replies: 37
Views: 2740

Re: Delivering a Large Check

cheese_breath wrote:I send things like this by certified mail so I can track it and have proof of delivery.

Yes, but you do not have proof that you actually sent a check.
by HueyLD
Sat Feb 25, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block software problem
Replies: 21
Views: 1006

Re: H&R Block software problem

https://www.hrblock.com/support/software-support.html How can I install or reinstall my state software? If you bought an edition of H&R Block Tax Software that includes a free state program (H&R Block Federal + State), you can choose and install your state program from within the H&R Blo...
by HueyLD
Sat Feb 25, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Delivering a Large Check
Replies: 37
Views: 2740

Re: Delivering a Large Check

No. You cannot always make that assumption.

Some mega banks have a different routing number for wire transfers. For example, BofA's wire transfer routing number is different from that for ACH transfers.

You need to get the "wire transfer instructions" from the beneficiaries.
by HueyLD
Sat Feb 25, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Deducting personal loan loss on personal taxes
Replies: 1
Views: 161

Re: Deducting personal loan loss on personal taxes

Yes, but you need to follow the IRS rules. Nonbusiness Bad Debts - All other bad debts are nonbusiness. Nonbusiness bad debts must be totally worthless to be deductible. You can't deduct a partially worthless nonbusiness bad debt. A debt becomes worthless when the surrounding facts and circumstances...
by HueyLD
Sat Feb 25, 2017 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block software problem
Replies: 21
Views: 1006

Re: H&R Block software problem

Almost there wrote:Just finished my federal return and cannot access the state (AZ) return.
Anyone else having this problem?

Did you purchase the right software? One version is for federal only.
by HueyLD
Sat Feb 25, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Delivering a Large Check
Replies: 37
Views: 2740

Re: Delivering a Large Check

I used to mail checks of various amounts without problems. However, I had a check that was lost in transit and it was a real pain to deal with the lost check and associated problems. For a check of $100k+, JUST SPEND THE HEIRS' MONEY and use wire transfer. Two main advantages of wire transfers: (1) ...
by HueyLD
Sat Feb 25, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Check Your Beneficiaries!
Replies: 54
Views: 4892

Re: Check Your Beneficiaries!

tibbitts wrote:Well, now that everyone is discussing it, it seems that I changed my VG beneficiaries (IRA) and POD (taxable) designations last year entirely online. Please tell me that's not because I have a mutual fund account and not a brokerage account.

You are fine.
by HueyLD
Sat Feb 25, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Protecting Aging Parrents - Advice Please
Replies: 25
Views: 2421

Re: Protecting Aging Parrents - Advice Please

The bigger challenge will be to get him to acknowledge it.

The OP may have to go to the court and that won't be pretty or easy.

Good luck.
by HueyLD
Sat Feb 25, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Another milestone post
Replies: 29
Views: 1445

Re: Another milestone post

TheTimeLord wrote:Today, 27 months after hitting my number and deciding not to retire, I have reached another milestone I now have achieved 125% of my number. Thank you, humble brag completed.

Congrats and it is time for retirement!!
by HueyLD
Fri Feb 24, 2017 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard 1099B - when is it safe to import for taxes?
Replies: 9
Views: 501

Re: Vanguard 1099B - when is it safe to import for taxes?

canderson wrote:
livesoft wrote:Why not just file for an extension, then file for real in October?

I'm weird and want it just done with. :)

Go ahead and file before you roam the world.

The worst case scenario is that you might have to file an amended return. No biggie.
by HueyLD
Fri Feb 24, 2017 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Worksheet Question
Replies: 5
Views: 318

Re: Tax Worksheet Question

You made a mistake on the IRS worksheet. I came up with the same tax liability using both methods at $25,338.
by HueyLD
Fri Feb 24, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Worksheet Question
Replies: 5
Views: 318

Re: Tax Worksheet Question

Two problems:

(1) The linked IRS worksheet is for year "2015."

(2) The personal exemption for 3 is 12,150, not 12,000.
by HueyLD
Fri Feb 24, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Tax info from Vanguard to Turbo Tax
Replies: 14
Views: 872

Re: Tax info from Vanguard to Turbo Tax

I was never able to download my brokerage trust data from VG to TT. I called both and they finger pointed at each other so I entered the data manually which was annoying. All the Mutual Fund data transferred just fine and for all other accounts (Schwab etc) I had no problems with importing. I had t...
by HueyLD
Fri Feb 24, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax importing Vanguard funds
Replies: 6
Views: 647

Re: TurboTax importing Vanguard funds

I downloaded Vanguard's 1099-DIV and it populated 100% of the tax exempt muni dividends. But I had to go into the input screen for each muni fund to enter my state's percentage. And yes my state allows a deduction for any percentage of in-state muni dividends. So glad it is not NJ.
by HueyLD
Fri Feb 24, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Filing For Extension?
Replies: 8
Views: 232

Re: Filing For Extension?

A late payment penalty applies if you didn't pay additional taxes owed by April 18, 2017. The late payment penalty is 0.5% of the balance due per month, up to a maximum of 25%. The late payment penalty applies with or without extension. In addition, interest accrues on any unpaid tax from the due da...
by HueyLD
Fri Feb 24, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: HSA
Replies: 3
Views: 384

Re: HSA

I noticed when doing my taxes that when converting TIRA, you can elect to move $ to an HSA, one time only. Has anyone done this and if so, how does it work? We are both retired and medical expenses going up, thanks Are you currently an eligible individual for HSA? Definition of an eligible individu...
by HueyLD
Fri Feb 24, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Lousy Customer Service
Replies: 36
Views: 2546

Re: Vanguard Lousy Customer Service

Andro,

Transfer your money out to a brokerage that is competent to handle your needs.

Good luck.
by HueyLD
Fri Feb 24, 2017 10:18 am
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 63
Views: 9471

Re: Vanguard opens special offices for $1 million clients

Glamdring56 wrote:On a more mundane level will I get some form of information on my 1099 from Vanguard that might allow me to deduct some or all of my PAS .3% fee as a deductuble investment expense?

Yes, as a misc. itemized deduction subject to the 2% AGI floor.
by HueyLD
Fri Feb 24, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax importing Vanguard funds
Replies: 6
Views: 647

Re: TurboTax importing Vanguard funds

Importing is just that. It does not know that your NJ muni fund is exempt from NJ income tax. It also does not know that part of the VWIUX is exempt from NJ taxes.

You need to go to the individual screens and tell TT the percentages exempt from NJ.
by HueyLD
Fri Feb 24, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: Drones in arizona
Replies: 34
Views: 2630

Re: Drones in arizona

You can drone anywhere you see fit as long as you follow the law in AZ. PHOENIX — Cities and towns will be barred from making their own rules regulating drone use under legislation signed Wednesday by Arizona Gov. Doug Ducey that was designed to prevent a patchwork of regulations that would make it ...
by HueyLD
Thu Feb 23, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 150
Views: 20281

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

JPH wrote:As a bonus she scolded me for trying to log onto my wife's account. I liked that too as it showed that she really is looking after our security.

You can fill out the agent authorization form for each other so that you can transact on behalf of each other.
by HueyLD
Wed Feb 22, 2017 7:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 63
Views: 9471

Re: anguard opens special offices for $1 million clients

Livesoft, You misunderstood me. The linked article says that vanguard will have three offices where flagshipers can meet face to face with their reps. However, those three locations a are too far from the vast majority of their FS customers. I heard from a FS rep in Scottsdale that the vast vast ma...
by HueyLD
Wed Feb 22, 2017 6:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 63
Views: 9471

Re: anguard opens special offices for $1 million clients

Livesoft, You misunderstood me. The linked article says that vanguard will have three offices where flagshipers can meet face to face with their reps. However, those three locations a are too far from the vast majority of their FS customers. I heard from a FS rep in Scottsdale that the vast vast maj...
by HueyLD
Wed Feb 22, 2017 5:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 63
Views: 9471

Re: anguard opens special offices for $1 million clients

I don't understand the point of having offices in just three locations to meet certain clients. Malverm, Scottsdale and Charlotte are very far away from the vast majority of Vanguard's customers.
by HueyLD
Wed Feb 22, 2017 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Loss on Foreign Currency CD
Replies: 11
Views: 559

Re: Loss on Foreign Currency CD

Everbank is a U.S. bank, not a foreign bank and the functional currency of Everbank is USD, not any of the foreign currencies. Your account with Everbank is an investment, not a business transaction(e.g. multinational corporations) or a personal transaction (e.g. you exchanges USD $100 for Euro on a...
by HueyLD
Tue Feb 21, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Loss on Foreign Currency CD
Replies: 11
Views: 559

Re: Loss on Foreign Currency CD

For an investment, report the loss as a capital loss on Schedule D.
by HueyLD
Tue Feb 21, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Help on I-10 west from FL to NM
Replies: 13
Views: 785

Re: Help on I-10 west from FL to NM

Are you going to travel in the winter or outside of the winter?

The northern route (most I-40) is better suited for the non winter seasons. And this route is a lot easier to drive.
by HueyLD
Tue Feb 21, 2017 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Transfer more than 10k from chase to ally
Replies: 3
Views: 376

Re: Transfer more than 10k from chase to ally

The OP's account at Chase is a savings account - no checks.
by HueyLD
Tue Feb 21, 2017 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Transfer more than 10k from chase to ally
Replies: 3
Views: 376

Re: Transfer more than 10k from chase to ally

Yes, set up the bank at Ally and initiate the transfers (both push and pull) from Ally.
by HueyLD
Mon Feb 20, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Amazon free shipment down to $35
Replies: 14
Views: 2036

Re: Amazon free shipment down to $35

Yes, competition is indeed good. My purchases at Amazon decreased after they raised their minimum purchase amount for shipping charge waiver. And I did purchase a bit more on WMT partly due to their lower minimum purchase requirement. In addition, WMT has an added advantage of no shipping charge for...
by HueyLD
Mon Feb 20, 2017 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Rental property sale (conversion) - loss question
Replies: 8
Views: 416

Re: Rental property sale (conversion) - loss question

When I asked about depreciation recapture tax, my CPA told me it doesn't apply because I had a loss. He said depreciation recapture tax would only apply for a gain. Is that incorrect? Your CPA is correct. You should learn to trust your paid professional as (s)he has done everything correctly as you...
by HueyLD
Sun Feb 19, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block...1099-B...Ordinary?
Replies: 3
Views: 374

Re: H&R Block...1099-B...Ordinary?

Here is a link to the actual form 1099-B from the IRS: https://www.irs.gov/pub/irs-pdf/f1099b.pdf You didn't see a box 2 on Vanguard's form because you didn't have any gain that is subject to special ordinary income rule. The IRS' 1099-B instructions provide some explanation to this ordinary income ...
by HueyLD
Sun Feb 19, 2017 11:27 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 66
Views: 2903

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

Congrats on Jack's 21st birthday. Best wishes for another 21 years.

Thank you so much for your contribution to the investment community and to humanity.
by HueyLD
Sun Feb 19, 2017 12:16 am
Forum: Personal Finance (Not Investing)
Topic: 1095-C from ex employer; don't think we are covered?
Replies: 3
Views: 375

Re: 1095-C from ex employer; don't think we are covered?

As long as she was enrolled in a qualified insurance in 2016 (thru megacorp 2), you can ignore that info from megacorp 1.
by HueyLD
Sat Feb 18, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: How to Split $10K Fed Tax Bill Between Husband and Wife
Replies: 38
Views: 2013

Re: How to Split $10K Fed Tax Bill Between Husband and Wife

If you live in a community property state, it may not matter.
by HueyLD
Sat Feb 18, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Advantage Check Fraud
Replies: 4
Views: 858

Re: Vanguard Advantage Check Fraud

Read pages 35 - 57 of the Advantage Account Agreement. https://personal.vanguard.com/pdf/s335.pdf?2210092750

Basically, it is not a bank account, you must notify them in a timely manner and they may or may not reimburse you depending on how good the forgery is.
by HueyLD
Sat Feb 18, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax only reading 1st page of 1099-INT
Replies: 14
Views: 1112

Re: Turbo Tax only reading 1st page of 1099-INT

Read what I wrote again. I said: "I think the problem is Ally's and the OP should report the import problem to Ally."
by HueyLD
Sat Feb 18, 2017 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax only reading 1st page of 1099-INT
Replies: 14
Views: 1112

Re: Turbo Tax only reading 1st page of 1099-INT

I think the problem is Ally's and the OP should report the import problem to Ally. Ally's 1099-INT shows interest by account and each account has its own 1099-INT and the layout only allows two 1099-INT's per page. As a result, the third account's 1099-INT is pushed to the next page. However, instea...

Go to advanced search