Search found 451 matches

by JustinTime
Mon Jun 19, 2017 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Changing from Index to ETF
Replies: 5
Views: 659

Re: Changing from Index to ETF

Appreciate it! Yeah, I was aware of the slightly different indexes seems super close though. I was thinking about the Bid/Spread, but as you mentioned seems volume is so high it probably wouldn't be a big deal. Seems you covered most of the considerations. Only thing I'd add is they track different ...
by JustinTime
Mon Jun 19, 2017 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Changing from Index to ETF
Replies: 5
Views: 659

Changing from Index to ETF

Thoughts from you guys, I think I'm going to change from a total market index fund FSTVX ER (.045) to a total market ETF ITOT ER (.03) commission-free with Fidelity. This is all in a tax-deferred account so not worried about cap gains when making the trade. Reasons: - I've switched from purchasing F...
by JustinTime
Mon Apr 17, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Win 10 issues [Windows 10]
Replies: 35
Views: 4557

Re: Win 10 issues [Windows 10]

You can still search with Cortana being disabled. You can also click start and start typing that will also search.

legio XX wrote:
JustinTime wrote:http://m.windowscentral.com/how-search-files-windows-10-cortana


Thanks, but Cortana is just what I don't want.

Vic
by JustinTime
Mon Apr 17, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: Win 10 issues [Windows 10]
Replies: 35
Views: 4557

Re: Win 10 issues [Windows 10]

m I see other Bogleheads have some of the problems I've been having since I got a new laptop running Win 10. My knowledgeable neighbor has a lot on his plate right now but will help me out if I do the spadework . . . What I really need - and this is a real problem - is how to search for a string wit...
by JustinTime
Mon Jan 09, 2017 11:09 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Growth Commingled Pool
Replies: 4
Views: 5070

Re: Fidelity Growth Commingled Pool

Just looking at the morning star graph since inception of the funds. I switched to index funds mid last year Most of my 401k is in this fund. I tend to like the Contrafund Funds. We will see how that works out in the future for these funds over the index, but over that past 30 years Contrafund beat ...
by JustinTime
Mon Oct 31, 2016 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Simulation Software for Business 1040
Replies: 11
Views: 921

Re: Tax Simulation Software for Business 1040

If I ever quit my day job it would be a no brainier to switch to s-corp wouldn't you say? are you absolutely sure W-2 income is the only thing profit sharing can be based on and not K-1 distributions as well? I will check with my tax guy see if he knows as well I was an S-Corp and can confirm that t...
by JustinTime
Mon Oct 31, 2016 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Simulation Software for Business 1040
Replies: 11
Views: 921

Re: Tax Simulation Software for Business 1040

Cool! This is pretty much the info that I was looking for! You should be a CPA much clearer talking to you than my own CPA . are you absolutely sure W-2 income is the only thing profit sharing can be based on and not K-1 distributions as well? I will check with my tax guy see if he knows as well I w...
by JustinTime
Mon Oct 31, 2016 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Simulation Software for Business 1040
Replies: 11
Views: 921

Re: Tax Simulation Software for Business 1040

Thanks for the detailed feedback. I wonder why Vanguard mentions K-1 in their Solo 401k Docs: m are you absolutely sure W-2 income is the only thing profit sharing can be based on and not K-1 distributions as well? I will check with my tax guy see if he knows as well. I think I may still come out ah...
by JustinTime
Mon Oct 31, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Simulation Software for Business 1040
Replies: 11
Views: 921

Re: Tax Simulation Software for Business 1040

Looks like you updated your post with the below. I did actually research this and the employee portion of social security paid above the cap can be recovered 1040 line 71. The employer portion can't be recovered so I am taking this into account when comparing the savings in Medicare of the s-corp vs...
by JustinTime
Mon Oct 31, 2016 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Simulation Software for Business 1040
Replies: 11
Views: 921

Re: Tax Simulation Software for Business 1040

Yeah definitely would still have to pay some using W2 likely up to the social security cap. I do have one questions around my Solo 401k and the S-Corp. I already max out a 401k 18k employee portion at my day job. I use my solo 401k and max out that 53k using all profit sharing from the business sche...
by JustinTime
Mon Oct 31, 2016 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Simulation Software for Business 1040
Replies: 11
Views: 921

Tax Simulation Software for Business 1040

Hi All, Is there software out there to simulate taxes for form 1040? I'm thinking TurboTax Home and Business might be able to do what I want m. Essentially, I just want to be able to enter data into the 1040 form to simulate different scenarios during the year. Like if I switched to an s-corp I coul...
by JustinTime
Sat Oct 29, 2016 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Form 941 online with eftps
Replies: 5
Views: 445

Re: Tax Form 941 online with eftps

Looking for Q4 actually paid early since I have paid my wife for the rest of the year hopefully they are ok with payments and forms sent early . No need to include a printout of the payment. They will just throw it away. But be sure you enter the info correctly in EFTPS - double-check everything. EF...
by JustinTime
Sat Oct 29, 2016 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Form 941 online with eftps
Replies: 5
Views: 445

Re: Tax Form 941 online with eftps

Yes, you still must file Form 941. EFTPS just records the payment. For amounts under $2,500 per quarter, some people opt to just mail in the 941 with a check, foregoing EFTPS altogether. You'll also need to file Form 940 and pay it at year-end. Ok great that is what I though. Should I include a pri...
by JustinTime
Sat Oct 29, 2016 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Form 941 online with eftps
Replies: 5
Views: 445

Tax Form 941 online with eftps

Hi All,

I have a single member LLC. Recently hired my wife and looking to do form 941 for her FICA taxes. If I pay online using eftps, do I still need to mail in form 941 to the IRS?
by JustinTime
Mon Oct 10, 2016 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Moving From Mutual Fund to ETF taxable
Replies: 0
Views: 344

Moving From Mutual Fund to ETF taxable

Hi All, Pretty sure my plan is going to be the best option, but I would like to get feedback to verify. I was originally buying FSTVX (Fidelity® Total Market Index Fund - Premium Class) m in my taxable account as my index fund. I failed to pay attention to the capital gains information before buying...
by JustinTime
Thu Oct 06, 2016 9:53 am
Forum: Investing - Theory, News & General
Topic: BlackRock Cuts Prices on ETFs
Replies: 62
Views: 6432

Blackrock Cuts Fees

[Thread merged into here, see below. --admin LadyGeek]

For those Fidelity users out there: http://www.bloomberg.com/news/articles/ ... n-heats-up

Image
by JustinTime
Mon Oct 03, 2016 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Side hustle
Replies: 58
Views: 10399

Re: Side hustle

For me yes, I'm still at my day job because I like it, work from home, and benefits are great, but I'm making about 3.5x at my side gig (Tech Related) now than my day job. Hopefully, I will reach FI in the next 3 or 4 years in late 20's because the side business! I am curious. I would like to hear y...
by JustinTime
Mon Aug 15, 2016 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX Vs. FSTVX - Capital Gains
Replies: 5
Views: 1161

Re: VTSAX Vs. FSTVX - Capital Gains

Never mind, I got it: m Thanks! Cool thanks for the TIP. That ETF does look good and a lower ER as well. What would cause an ETF to not have capital gains distributions Vs. a mutual fund? Vanguard has the ETF share class. In taxable at Fidelity I would probably prefer using ITOT (the iShares Total M...
by JustinTime
Mon Aug 15, 2016 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX Vs. FSTVX - Capital Gains
Replies: 5
Views: 1161

Re: VTSAX Vs. FSTVX - Capital Gains

Cool thanks for the TIP. That ETF does look good and a lower ER as well. What would cause an ETF to not have capital gains distributions Vs. a mutual fund?

stlutz wrote:Vanguard has the ETF share class.

In taxable at Fidelity I would probably prefer using ITOT (the iShares Total Market ETF).
by JustinTime
Mon Aug 15, 2016 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX Vs. FSTVX - Capital Gains
Replies: 5
Views: 1161

VTSAX Vs. FSTVX - Capital Gains

What does Vanguard do to reduce their capital gains distributions compared to Fidelity. Vanguard: m Fidelity: m I do prefer Fidelity since my account is there for my 401k's and their site is more modern, but for my taxable account it may be worth rethinking my current FSTVX with Fidelity considering...
by JustinTime
Wed Jul 20, 2016 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity beats Vanguard in ER
Replies: 30
Views: 3486

Re: Fidelity beats Vanguard in ER

+ 1 main reason I am at FIDO is my employers 401k and the fact that Vanguards site is so bad. I agree that the numbers are so close as to be meaningless. But I keep my investments at Fido because of their better UI/UX. My mother has Vanguard accounts that I manage and the Vanguard site drives me cra...
by JustinTime
Wed Jul 20, 2016 6:18 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity beats Vanguard in ER
Replies: 30
Views: 3486

Fidelity beats Vanguard in ER

m From the post: In a head-to-head comparison of our 27 stock and bond index mutual funds and sector exchange-traded funds (ETFs) with comparable offerings from Vanguard: All of our 16 index funds have lower expense ratios1 than their Vanguard counterparts, starting as low as .045%.2 Our 11 sector E...
by JustinTime
Sun Jul 10, 2016 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Distributions when buying Fund between distibutions
Replies: 1
Views: 411

Distributions when buying Fund between distibutions

Hi All, Trying to get a little more insight around how distributions for for mutual funds work if you purchase the fund in-between dividend distributions. Specifically, lets take (FUSVX) m as an example. Its Distribution Schedule: April, July, October, December. How would distributions be handled if...
by JustinTime
Mon Jun 27, 2016 10:31 pm
Forum: Forum Issues and Administration
Topic: BH [Bogleheads.org forum] is back!
Replies: 51
Views: 7001

Re: BH [Bogleheads.org forum] is back!

Where is this site hosted? Seems like this is a pretty regular thing.
by JustinTime
Sun Jun 19, 2016 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Colorado CollegeInvest 529 Expense Ratio
Replies: 1
Views: 359

Colorado CollegeInvest 529 Expense Ratio

Anyone here using Colorado College invest plan? I'm using it now for my wife's college (Currently in College) to get the state income tax benefit. It only sits in money market around 1 week or two before I re-reimburse myself. I will likely be starting one for future kids sometime soon as I'm alread...
by JustinTime
Wed Jun 08, 2016 8:26 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get Transcript Now Online!
Replies: 8
Views: 1982

IRS Get Transcript Now Online!

https://www.irs.gov/uac/irs-launches-mo ... ipt-online
https://www.irs.gov/individuals/get-transcript

Just signed up and I can pull my tax transcripts online rather than mail now.
by JustinTime
Tue Jun 07, 2016 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Personal Umbrella Insurance
Replies: 8
Views: 1004

Re: Personal Umbrella Insurance

Just got 1 Mil through Geico for 212$ a year seems like a good deal to me!
by JustinTime
Tue Jun 07, 2016 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Personal Umbrella Insurance
Replies: 8
Views: 1004

Re: Personal Umbrella Insurance

Cool thanks, is it listed in the Wiki somewhere don't see it here m I see it here but no recommendations: m Who here has this? My auto coverage limit is relatively low. I'm thinking it may be a good idea to look into this as I has a paid off home and starting to put a good amount in investments. Thi...
by JustinTime
Tue Jun 07, 2016 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Personal Umbrella Insurance
Replies: 8
Views: 1004

Personal Umbrella Insurance

Who here has this? My auto coverage limit is relatively low. I'm thinking it may be a good idea to look into this as I has a paid off home and starting to put a good amount in investments.
by JustinTime
Thu Jun 02, 2016 10:51 am
Forum: Personal Consumer Issues
Topic: How to stop MS loading Windows 10?
Replies: 70
Views: 7788

Re: How to stop MS loading Windows 10?

Mudpuppy wrote:Cyber security professional here. .


Also as a "Cyber security professional"... I don't understand why you wouldn't be begging people to upgrade to Windows 10 with new security features like: Credential Guard, Device Guard, Windows Hello, Passport just to name a few.
by JustinTime
Thu Jun 02, 2016 10:47 am
Forum: Personal Consumer Issues
Topic: How to stop MS loading Windows 10?
Replies: 70
Views: 7788

Re: How to stop MS loading Windows 10?

I understand the concept for using WSUS/SCCM in a corporate environment that isn't going to apply to people posting here with personal computers. Compatibility for applications between Windows 7 and Windows 10 is high 90's. Sure, there may be some specialty apps that interact with Hardware that may ...
by JustinTime
Thu Jun 02, 2016 10:41 am
Forum: Personal Consumer Issues
Topic: How to stop MS loading Windows 10?
Replies: 70
Views: 7788

Re: How to stop MS loading Windows 10?

Lol, so you are saying you manually download and install every applicable KB Microsoft releases each month to apply to you PC. This is terrible advice! lol Turn off auto windows update. Cyber security professional here. It's not actually terrible advice as long as the person regularly applies update...
by JustinTime
Thu Jun 02, 2016 10:09 am
Forum: Personal Consumer Issues
Topic: How to stop MS loading Windows 10?
Replies: 70
Views: 7788

Re: How to stop MS loading Windows 10?

Very rare that an app that works in Windows 7 will not work on Windows 10. This is terrible advice! lol Turn off auto windows update. Yes! No need to do that at all. Never10 stops the Win10 update but leaves other updates alone. As far as I know that's the only way to stop the evil systems creator f...
by JustinTime
Thu Jun 02, 2016 8:00 am
Forum: Personal Consumer Issues
Topic: How to stop MS loading Windows 10?
Replies: 70
Views: 7788

Re: How to stop MS loading Windows 10?

This is terrible advice! lol

rustymutt wrote:Turn off auto windows update.
by JustinTime
Tue May 31, 2016 10:44 pm
Forum: Personal Consumer Issues
Topic: Things to Do and See on Kauai, Hawaii
Replies: 72
Views: 6512

Re: Things to Do and See on Kauai, Hawaii

We took a 3 mile or so hike (One Way) to the big water fall it was amazing and worth it. I think it was the one in this post: m I had such good luck asking Bogleheads about things to do and see in Boston last year, I thought I would do the same for a trip early next year (end of January) to the isla...
by JustinTime
Sat May 28, 2016 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund in Taxable Investments?
Replies: 30
Views: 2785

Emergency Fund in Taxable Investments?

Hi All, I have about 100k in taxable brokerage account now (Total Market Index). I keep about 20k in a bank for emergency fund. Not sure if having it in a bank is really needed at this point? I'm thinking about just putting about 15k of the 20k EF into my taxable investments and could just sell them...
by JustinTime
Fri Apr 29, 2016 12:09 am
Forum: Investing - Help with Personal Investments
Topic: Understanding Bond Movement With Interest Rates
Replies: 20
Views: 1894

Understanding Bond Movement With Interest Rates

Hi All, I'm reading some bond books. It's my understanding that a change in interest rates by 1% will usually cause the bond NAV/Price to move by the "Average Effective Duration" years in the percentage of years. Here's a long term bond fund with the Average Effective Duration around 17 ye...
by JustinTime
Fri Apr 15, 2016 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Now i get it - mortgage payoff
Replies: 44
Views: 7956

Re: Now i get it - mortgage payoff

I don't see giving the bank a $1 to get a 25 cent (Or whatever marginal rate) savings in taxes a reason not to pay off a mortgage early. We all explore 401k, ira, roth, hsa, mortgage interest deductions etc with only objective - how to lower taxes even as our incomes are increasing. With time, these...
by JustinTime
Thu Apr 07, 2016 7:51 am
Forum: Investing - Help with Personal Investments
Topic: What Muni Bond to Buy VWALX or VWLUX?
Replies: 14
Views: 3039

Re: What Muni Bond to Buy VWALX or VWLUX?

I will do some more research. I didnt find anything from fidelity with a ER even close to .12 for good municipal bonds. The HY fund contains an exposure (~20%) to AMT issues. Read the prospectus. Run a test tax return using Vanguard's performance data. Idea. Search forum for other recommended muni f...
by JustinTime
Thu Apr 07, 2016 7:41 am
Forum: Investing - Help with Personal Investments
Topic: What Muni Bond to Buy VWALX or VWLUX?
Replies: 14
Views: 3039

Re: What Muni Bond to Buy VWALX or VWLUX?

I wouldn't sell socks to buy them

jtravisdavid wrote:I own some muni funds, but I wouldn't sell stocks with a gain in my taxable account to buy them. No reason to pay unnecessary capital gains taxes. And a $75 fee to buy? Ouch.
by JustinTime
Wed Apr 06, 2016 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: What Muni Bond to Buy VWALX or VWLUX?
Replies: 14
Views: 3039

Re: What Muni Bond to Buy VWALX or VWLUX?

I suppose I could. I'm around a 24% capital gains tax that would apply to stock investments in taxable (Distributions and Cap Gains) with the additional Medicare tax. I guess my thinking was by holding tax free bonds that would allow stocks to grow faster in tax-free. I guess I would need to calcula...
by JustinTime
Wed Apr 06, 2016 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: What Muni Bond to Buy VWALX or VWLUX?
Replies: 14
Views: 3039

What Muni Bond to Buy VWALX or VWLUX?

Hi All, Recently decided I would like to include some bonds in my portfolio. Right now, I'm 100% stock will be adding 10-15% bonds. I've decided (Thanks for the help in my last post ) it would likely be best to add Muni bonds into my taxable account based on 39.6% Fed tax rate (4.63% state). I'm goi...
by JustinTime
Mon Apr 04, 2016 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Muni Bonds for My Tax Level?
Replies: 25
Views: 3505

Re: Muni Bonds for My Tax Level?

Awesome thanks for the info clears things up a bit. Going to try Investing in Bonds for Dummies as well see how that book goes. I didn't know this. I know in the bond book, he says that if you need to ensure you get the original value you invest you may want to split up investments into multiple hig...
by JustinTime
Sun Apr 03, 2016 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Bonds for My Tax Level?
Replies: 25
Views: 3505

Re: Muni Bonds for My Tax Level?

I didn't know this. I know in the bond book, he says that if you need to ensure you get the original value you invest you may want to split up investments into multiple higher quality individual bonds since they will always become PAR on the maturity date. Could you break this down a bit more in Lay...
by JustinTime
Sun Apr 03, 2016 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Bonds for My Tax Level?
Replies: 25
Views: 3505

Re: Muni Bonds for My Tax Level?

Is the yield the only thing that is tax free? If you sell and the NAV increases is that tax free or id's that taxed as capital gain?
by JustinTime
Sat Apr 02, 2016 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Bonds for My Tax Level?
Replies: 25
Views: 3505

Re: Muni Bonds for My Tax Level?

I'm I correct the that SEC Yield is the percent paid annually in interest? So if I buy 10,000, I get 226$ each year in interest. It's been a little while since I read The Bond Book I remember there are many meaning of yield for Bonds. Seconds it's likely this fund would be more volatile with interes...
by JustinTime
Sat Apr 02, 2016 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Bonds for My Tax Level?
Replies: 25
Views: 3505

Re: Muni Bonds for My Tax Level?

Colorado What about state munis? You didn't say where you live. My taxable bonds are Vanguard Tax Exempt Intermediate (VWIUX) and Vanguard NY Muni Long (which is really an intermediate). Not in a high tax bracket, but these are longer term holdings, and I live in NYC so it's useful to have the muni....