Search found 402 matches

by crit
Wed Apr 11, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 4666

Re: realtor wants to show house to buyer, no listing agent for me

No, no, a thousand times no. Realtor has fiduciary duty to her client. That is, her JOB is to get the lowest price for you (out of you). Do NOT let her see the house just so she can point out perceived flaws and dig down the price. Just the fact that she would approach you this way, while contracted...
by crit
Mon Apr 09, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: Post your TLH success / failures
Replies: 6
Views: 594

Re: Post your TLH success / failures

Writing this post is a useful exercise, just as creating my first portfolio post was ... I TLH'd in fall of 2015, and in early 2016. I remember making a round trip from VTSAX to VLCAX to VVIAX back to VTSAX -- by luck, I realize now. I didn't quite understand that I could well have gotten stuck in V...
by crit
Fri Mar 30, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 5750

Re: New car from dealer may have close to 150 miles - ok?

The mileage wouldn't bother me at all (I bought a dealer demo last summer), but I'd walk away hard at the "nonrefundable" part.

I will not do business with slime like that, even at 0 miles, they just lost the sale.
by crit
Mon Mar 26, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about capitulating on house
Replies: 34
Views: 4024

Re: Thinking about capitulating on house

Capitulating ... to whom or what? Such a strange term, and you use it twice. Who is needling you to sell? The person who will make out the best from your sale will be the realtor. Of all the places your money can go, that's one of the places I would not spend it. Don't capitulate to the realtor, if ...
by crit
Fri Mar 23, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Joint Account
Replies: 7
Views: 810

Re: Capital One 360 Joint Account

I had no problem adding my husband to my old 360 account a week or two ago. Weird.
by crit
Tue Mar 20, 2018 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Impending market correction
Replies: 28
Views: 1757

Re: Impending market correction

I fully agree that a downturn is overdue, and I think the downstream effects of these tariffs are going to do it. However, I'm doing nothing different beyond ordinary rebalancing, which I do about monthly. For better or worse, I do not think I can beat the overall market, and that is why I'm investe...
by crit
Sun Mar 18, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Q: (cannot!) Carryover loss without Schedule D
Replies: 10
Views: 411

Re: Turbotax Q: (cannot!) Carryover loss without Schedule D

coda: I have now completed and successfully filed, and I was never prompted to upgrade to use Schedule D.
by crit
Sun Mar 18, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Investment Advice - Taxable Account
Replies: 3
Views: 624

Re: Vanguard Investment Advice - Taxable Account

Well, it's hard to see exactly what you need, but I think you have it straight -- stock index funds (either domestic or international) but not bonds. You can either raise the % of bonds in your IRAs to compensate your overall AA, or switch to a different target-date fund which will raise the % bonds...
by crit
Sun Mar 18, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Does credit score matter if you never plan to borrow money again?
Replies: 44
Views: 4167

Re: Does credit score matter if you never plan to borrow money again?

Yes, it matters -- your existing creditors check your credit every now & then, and will raise your rates or drop you if they think you're a worse risk.

I think this is in the fine print we don't read when signing.
by crit
Sun Mar 18, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Techniques in helping other with poor money skills
Replies: 27
Views: 2298

Re: Techniques in helping other with poor money skills

Something that absolutely is true* is that it is literally more expensive to be poor. And that is something you can help with. For instance, off the top of my head: My copay for Advair should be $50. But I know there's a coupon to be had, from Glaxo no less!, that makes it $10. Not everyone knows th...
by crit
Sun Mar 18, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Q: (cannot!) Carryover loss without Schedule D
Replies: 10
Views: 411

Re: Turbotax Q: Carryover loss without Schedule D

Ok, I see now, thanks -- so a schedule D is required to carryover.

I still think TurboTax should warn me, when importing last year's taxes, that I'll lose the carryover loss unless I upgrade. As it is, it just ignores it.
by crit
Sun Mar 18, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Q: (cannot!) Carryover loss without Schedule D
Replies: 10
Views: 411

Re: Turbotax Q: Carryover loss without Schedule D

I cannot enter it in the 1040 or in the "Capital Gains And Losses" worksheet in TurboTax - the field is not editable. However, there is a "Carryover Worksheet" and it has an editable line 13a - when i enter it there, it then appears as a loss in the 1040. So I think this will work. I also found the ...
by crit
Sun Mar 18, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Q: (cannot!) Carryover loss without Schedule D
Replies: 10
Views: 411

Re: Turbotax Q: Carryover loss without Schedule D

It did, but I sold (tax loss harvested) in 2016, so I used Premier last year.
by crit
Sun Mar 18, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Q: (cannot!) Carryover loss without Schedule D
Replies: 10
Views: 411

Re: Turbotax Q: Carryover loss without Schedule D

Desktop, and line 13 is indeed blank.
by crit
Sun Mar 18, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Q: (cannot!) Carryover loss without Schedule D
Replies: 10
Views: 411

Turbotax Q: (cannot!) Carryover loss without Schedule D

We had leftover capital losses from last year (from 2015 actually) from tax-loss harvesting in our taxable account. This year, I made no sales in our taxable account, and so we did not get a 1099b. Because we don't need Schedule D, I am using TurboTax Deluxe, and I imported last year's return sucess...
by crit
Thu Mar 15, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Large life style creep that was completely worth it
Replies: 112
Views: 14266

Re: Large life style creep that was completely worth it

We have crept up in our dining and other habits, but not by much. The thing that has felt and continued to feel like a big step, though, is the hiring people - cleaning, yard work. I still feel like I should be doing that myself, that I shouldn't get used to it, etc., etc. And also that it's just wo...
by crit
Thu Mar 15, 2018 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 187
Views: 18707

Re: Those with high savings rate: why?

Because our income grew much, much more quickly than our spending habits, which, by this time in life, aren't that plastic.
by crit
Mon Mar 12, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 4840

Re: Bicycle Commuting in LA - Thoughts?

Honestly, it really depends on the specifics. There is a decent biking culture in LA, and enough awareness of cyclists and bike lanes that, well, maybe. It would really depend on the route. You may be best off asking some local cyclists for their opinion on the roads you'd be taking.
by crit
Mon Mar 12, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Small windfall, would like some advice
Replies: 30
Views: 2732

Re: Small windfall, would like some advice

If your tax return is five digits, you need to change your withholdings. You could be using that money all year, and you're not earning interest on it while the IRS is holding it for you.
by crit
Thu Mar 08, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Advice needed for Renter offer
Replies: 19
Views: 2048

Re: Advice needed for Renter offer

You're still checking credit, using a standard lease, taking pictures pre-move in, keeping the deposit in a separate interest- bearing account, verifying employment, and calling references, and all the required stuff right? Right?

Don't let the money blind you.
by crit
Wed Feb 28, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 18933

Re: What was your % pay raise?

Our raise pool dictates it, so I'll get: 2.25% ( for the small things in life, Mastercard)

And this year, tenure. (Priceless)
by crit
Tue Feb 20, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard 1099-R for Brokerage Acct
Replies: 13
Views: 818

Re: Vanguard 1099-R for Brokerage Acct

Yep, got mine.
by crit
Mon Feb 19, 2018 9:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 405
Views: 215020

Re: Suggestions for the Wiki

Hi. Apologies for not searching whether this suggestion has been made here in advance, but I'm on mobile. In the Backdoor Roth page, I think it would be worthwhile to post a suggestion. To report a full backdoor in Turbo Tax (at least, and possibly other software), it is often helpful to skip the su...
by crit
Sun Feb 18, 2018 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Really need an advice: sell the house or rent it out
Replies: 40
Views: 2342

Re: Really need an advice: sell the house or rent it out

Sell. In addition to ask all of the above comments about being a landlord .... As someone who could not sell in 2007 (and became a landlord) I will tell you: sell while the selling is good. You do NOT want to be stuck with a house you cannot sell, for far less than it 'should' or for that matter at ...
by crit
Sun Feb 18, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax help, Backdoor Roth IRA but originally made mistake
Replies: 9
Views: 919

Re: Turbotax help, Backdoor Roth IRA but with caveats

In TurboTax, you will report that you contributed to a Roth, when they ask the ira questions. Then TT will ask you whether you recharacterized, and you will say yes. You will get a 1099R from VG that reports the distribution from the Roth to the traditional, and it will have a code number/letter tha...
by crit
Mon Feb 12, 2018 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 96
Views: 6088

Re: I didn't tax-loss harvest this month, did you?

stocknoob4111 wrote:
Mon Feb 12, 2018 6:58 pm
if I understand this correctly, if my investment is showing red I can sell it and buy it back again to realize the loss?
You do not understand this correctly. You cannot sell to realize a loss and then immediately buy it back again. That is the definition of a wash sale.
by crit
Sun Feb 11, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 96
Views: 6088

Re: I didn't tax-loss harvest this month, did you?

Same, nothing in red (yet). Last vtsax purchase was at $64.50 or so.
by crit
Tue Jan 30, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Paris Hotel Recommendations
Replies: 21
Views: 1633

Re: Paris Hotel Recommendations

I can strongly recommend Hotel Littre, which is on a side street near Monparnasse. The breakfast was very well done.

And do NOT overlook Cafe Littre, same street but not associated with hotel. It looks like just a bar from the outside. It's very much not. Wonderful, wonderful food.
by crit
Mon Jan 29, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Change in "career", PA or Optometry?
Replies: 79
Views: 6529

Re: Change in "career", PA or Optometry?

Look into entrance requirements. Since you may not have had orgo in your aviation undergrad (but you probably did have physics and calc): For PA school: likely chemistry (2 sem), organic chemistry (same), biochemistry (same), microbiology, anatomy, physiology, cell biology, immunology. This is ~2 ye...
by crit
Wed Jan 24, 2018 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor ROTH misunderstanding, is it me or Vanguard "Retirement Specialist"
Replies: 27
Views: 2323

Re: Backdoor ROTH misunderstanding, is it me or Vanguard "Retirement Specialist"

Regarding moving forward from here, does your current 401k accept incoming rollovers? If so, you could move your old-401k rollover IRA money into the new 401k, and unless you have other non-Roth IRAs, that would pave the way for uncomplicated backdoor Roth maneuvers. This won't clear up the past-yea...
by crit
Wed Jan 24, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: Disaster with Verizon Billing after Moving
Replies: 4
Views: 776

Re: Disaster with Verizon Billing after Moving

You can protest or appeal to the credit bureaus (I would say try the CFPB, but that agency may be evaporating). They cannot ding you for a bill you didn't receive.
by crit
Wed Jan 24, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: Could meditation help deal with market distress?
Replies: 32
Views: 1861

Re: Could meditation help deal with market distress?

Maybe. But if you need that much therapy .... maybe your risk tolerance isn't what you think it is.
by crit
Wed Jan 24, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 16652

Re: Dear wife quits job and now we are down to 1 income

I agree with Fraggle. Original poster, you sound pretty stressed. In a year, you've had a lot of big changes. Both you and your wife are new parents (congrats), and that comes with lots of joy, and stress. Obviously, your situation wouldn't be tenable for 10 or 20 years, but ... you know that, and y...
by crit
Tue Jan 23, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from Social Security re Fraudulent Claim
Replies: 55
Views: 5660

Re: Letter from Social Security re Fraudulent Claim

No, it's cat-related, but I do own my fair share of bikes.
by crit
Tue Jan 23, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Best Tax Software for Backdoor Roth
Replies: 11
Views: 663

Re: Best Tax Software for Backdoor Roth

It will help both you and the software if you skip ahead in the questions to where you report the tIRA contribution, then go back and report the distribution (conversion) "income". Last year I initially had a mess from a recharacterization (from a direct Roth contribution back to a tIRA contribution...
by crit
Mon Jan 22, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from Social Security re Fraudulent Claim
Replies: 55
Views: 5660

Re: Letter from Social Security re Fraudulent Claim

I think you only need to unlock Equifax. We're about to do this for one of us, so I'll report back if that is incorrect. But I'd much rather pay $10 than go to the SSA office (which just tells you that the opportunity cost of the unlock fee is correctly priced).
by crit
Mon Jan 22, 2018 11:17 am
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 199
Views: 26542

Re: Buying and Spending Bitcoin

I agree that Tether sounds like vaporware. My guess is that it's a lure used on exchanges that don't offer the crytpo-USD or other pair that you want to exchange. It -sounds- like it should be the crypto-equivalent of a money-market fund that is "tethered" (!) to the USD. It isn't. It's brilliant ma...
by crit
Sun Jan 21, 2018 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help reviewing 1st time backdoor Roth for specific circumstances.
Replies: 7
Views: 508

Re: Help reviewing 1st time backdoor Roth for specific circumstances.

I think you will want to skip the $2200 backdoor for yourself in 2017, because your tIRA balance on 12/31/17 was nonzero. Wait until the tIRA to 401k rollover is complete.
by crit
Sat Jan 20, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 44
Views: 3085

Re: Telemarketing calls from my own prefix

I get a ton of these. Hiya can help here, and because they maintain a list of known scam numbers, it is a good app to use overall. If your phone is Android, you can block number patterns (like area code + three numbers) from your phone app itself. It's in phone - settings - call - call rejection - a...
by crit
Thu Jan 18, 2018 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: views on "Empower Retirement" as a 401k provider? fees? ease of use etc?
Replies: 30
Views: 2235

Re: views on "Empower Retirement" as a 401k provider? fees? ease of use etc?

My spouse had empower when we first merged finances. In 2015, I found that the $42k of contributions made between 2005 and 2007 had sat in a money market fund (ok, not their fault) since 2008 and had diminished to $38k through their fees. I did not look deeply into what those fees were exactly, but ...
by crit
Sun Jan 14, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: A half year at full pay or a full year at half pay?
Replies: 49
Views: 4867

Re: A half year off at full pay or a full year off at half pay?

I cannot believe that a percentage of the money I send to my kid's college is being given to professors who are "taking a year off with half-pay and full benefits". You're getting some kickback on this line of thinking, for many reasons. At a straightforward level, it is part of a compensation pack...
by crit
Thu Jan 11, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 40795

Re: What frugal thing did you do today?

I changed the batteries in our front door combination lock.

Oh wait, oops, I didn't, even though I suspected it sounded like the batteries were dying.

You all know what a locksmith costs, right?

Don't be me. Change the batteries. Much cheaper.
by crit
Thu Jan 11, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: A half year at full pay or a full year at half pay?
Replies: 49
Views: 4867

Re: A half year at full pay or a full year at half pay?

Academic here, who is planning on the whole year. The thing that gives me qualms is the doubled housing costs. But still. Remember that universities are, generally, quite generous with retirement contributions. You're likely a bit ahead of the game for that reason. My spouse gets nothing from his co...
by crit
Tue Jan 09, 2018 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Please help my backdoor Roth IRA process better next year
Replies: 15
Views: 1008

Re: Please help my backdoor Roth IRA process better next year

Well, my "unavailable" shares in Roth are $5500.19 in MMF so ... interest happens? I would guess the only improvements you could make next year would be to check whether you can convert 2 days later, which you should have been able to do. You still have to contribute, wait 2 days for the ACH transfe...
by crit
Tue Jan 09, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Please help my backdoor Roth IRA process better next year
Replies: 15
Views: 1008

Re: Please help my backdoor Roth IRA process better next year

In step 2, you should have CONVERTED via a button on the Vanguard page that says "Convert to Roth". About your $1.27, are you a new Vanguard customer? Did you fund the contribution online, or through talking to a rep? I made my tIRA contribution on 1/2 (via transfer from a linked bank account), and ...
by crit
Sun Jan 07, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Identity Theft - Social Security Claim & Green Dot Bank Debit
Replies: 15
Views: 1758

Re: Identity Theft - Social Security Claim & Green Dot Bank Debit

The two other places to freeze your credit are Chex Systems and Innovis.
by crit
Fri Jan 05, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Cryptocurrency Exit Strategy
Replies: 52
Views: 4814

Re: Cryptocurrency Exit Strategy

We did not buy our crypto, and thus have not yet been registered on any exchanges. As I said above, we are unable to register now. We will have to wait out this bubble and its volume. It would have been, well, nice, and we're very frustrated, and I think you can understand why I have to view it as a...
by crit
Thu Jan 04, 2018 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Cryptocurrency Exit Strategy
Replies: 52
Views: 4814

Re: Cryptocurrency Exit Strategy

Sell. Sell now. We own some crypto that we got early last summer, and cannot get out because all of the exchanges are backed up indefinitely in processing new users. Or that's the story I am told. I frankly don't buy it. I think it's all fictional, the whole thing. I don't think anyone is trading an...
by crit
Wed Jan 03, 2018 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth conversion - Am I too late?
Replies: 3
Views: 629

Re: Backdoor Roth conversion - Am I too late?

Contributions are limited-time events, per year.
Conversions are a separate event, and you can do those anytime.