Search found 69 matches

by itworks
Wed Jun 28, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: A TIPS is maturing in Fidelity. What to do?
Replies: 44
Views: 2349

Re: A TIPS is maturing in Fidelity. What to do?

Maybe buying individual muni bonds, issued by your state, considering you do not need the money any time soon, and you can hold the bonds until maturity. I am also interested in buying individual bond in Fidelity, but haven't had the time to research how to do it. Now, if someone from this great com...
by itworks
Mon Jun 26, 2017 11:06 pm
Forum: Personal Consumer Issues
Topic: California Vehicle - lien holder issue?
Replies: 3
Views: 346

California Vehicle - lien holder issue?

I have a 15-year old vehicle, first time owner, purchased new from dealer. Never realized until recently from the annual registration notice that the lien holder is still 'Toyota Financials'. I paid off the vehicle 10 years ago, so it does not make sense to have them as the lien holder. Any conseque...
by itworks
Sat Jun 24, 2017 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Does it work to avoid the $49.95 transaction fee?
Replies: 3
Views: 1152

Re: Does it work to avoid the $49.95 transaction fee?

Reporting back: TD Ameritrade would not waive the fee, so I filled account opening form and asset transfer form and sent them to AMG Funds. Three weeks passed, now the YACKX shares are already sitting in a newly opened Coverdell account managed by AMG. Since the transfer is partial, no fee is charge...
by itworks
Fri May 26, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard, Betterment and Wealthfront for a teenager
Replies: 16
Views: 1638

Re: Vanguard, Betterment and Wealthfront for a teenager

Second Wisebanyan. I like their services and I am personally building up a serious portfolio there.The user interface is great. Auto-rebalance is achieved via new fund, since I do not opt for TLH. No minimal -- good for kid with small allowance money or unsteady income. I've posted this elsewhere, i...
by itworks
Wed May 24, 2017 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Does it work to avoid the $49.95 transaction fee?
Replies: 3
Views: 1152

Does it work to avoid the $49.95 transaction fee?

I had a really old Coverdell account with TD Ameritrade, with $1500 invested in YACKX (AMG Yacktman Fund). The account was opened before I got to know the boglehead-way, and that partly explained why YACKX was chosen. At that time, the Coverdell account was opened with ThinkOrSwim, and there was no ...
by itworks
Thu Feb 23, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale with ESPP: now how to deal with tax??
Replies: 3
Views: 479

Re: Wash sale with ESPP: now how to deal with tax??

An update, hopefully to benefit others who run into similar situation. Basically I gave up using the Turbo Tax (Home & Business) wizard to reconcile everything. To be fair, there are enough flexibility in the software UI that allows me to type a basis myself, and I almost successfully used the w...
by itworks
Fri Feb 17, 2017 1:59 am
Forum: Investing - Help with Personal Investments
Topic: Wash sale with ESPP: now how to deal with tax??
Replies: 3
Views: 479

Wash sale with ESPP: now how to deal with tax??

here is a head-scratching situation that I run out of smarts: - On 03/31/15: Acquired 95 ESPP shares - On 03/16/16: Sold those 95 shares, at a loss - On 03/31/16: Acquired 109 ESPP shares - On 07/15/16: Sold those 109 shares, with some gain (The ESPP acquisition on 03/31/16 triggers a wash-sale, tho...
by itworks
Tue Feb 14, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor Roth - tax reporting question - no 1099-R?
Replies: 6
Views: 460

Re: Mega Backdoor Roth - tax reporting question - no 1099-R?

Happy to report back problem solved. The 1099-R is indeed there, but it is tugged under Fidelity's 401K site, not aggregated in the central location where one can find other tax forms. And, its box 2a shows the taxable amount correctly.

Thanks everyone!
by itworks
Tue Feb 14, 2017 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor Roth - tax reporting question - no 1099-R?
Replies: 6
Views: 460

Re: Mega Backdoor Roth - tax reporting question - no 1099-R?

Thanks everyone! Looks like I did not do anything incorrect on my side :D Will keep calling Fidelity. I am surprised such a big firm cannot make it correct. Alan: as always, thanks for your reminder and sharing your deep knowledge. I did a bit of research just now and noticed some threads reporting ...
by itworks
Tue Feb 14, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor Roth - tax reporting question - no 1099-R?
Replies: 6
Views: 460

Mega Backdoor Roth - tax reporting question - no 1099-R?

I am hoping what I practiced is "Mega Backdoor Roth", and I did not screw things up. My mega-corp started to offer AfterTax 401K last year, and the plan allows 'roll over'. So what I did is to call Fidelity (the plan administrator) from time to time, requesting them to 'roll-over' both Aft...
by itworks
Wed Apr 13, 2016 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Attach 83(b) election to 2015 Tax Return?
Replies: 8
Views: 1800

Re: Attach 83(b) election to 2015 Tax Return?

I have exactly the same question whether to file paper return or not. I would just do an e-file per this IRS ruling: http://www.bnncpa.com/services/employee_benefit_plans/blog/irs_rules_that_failure_to_attach_83b_election_to_form_1040_did_not_invalida Though, I am supposed to including 83(b) as part...
by itworks
Sat Jun 14, 2014 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade transaction fee to sell a fund
Replies: 8
Views: 1097

Re: TD Ameritrade transaction fee to sell a fund

I have about $4000 there. It might be a small amount for them to give a pass.
by itworks
Thu Jun 12, 2014 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade transaction fee to sell a fund
Replies: 8
Views: 1097

Re: TD Ameritrade transaction fee to sell a fund

Interesting idea. My taxable account with Vanguard has all admiral shares. Can they be transferred in-kind?
by itworks
Thu Jun 12, 2014 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade transaction fee to sell a fund
Replies: 8
Views: 1097

TD Ameritrade transaction fee to sell a fund

I moved to 3-fund portfolio a couple of years ago, well, almost all accounts, except an ESA account with TD Ameritrade. I want to sell the fund, YACKX, in this account, but TDAmeritrade would charge me $49.99. I feel I have paid them way too much transaction fee at the time when I did the 3-fund con...
by itworks
Fri Jan 31, 2014 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Cost Basis w/ SpecID
Replies: 19
Views: 2069

Re: Vanguard: Cost Basis w/ SpecID

Kevin, I'd love to do a TLH pairs. There are two choices: Vanguard California Long-Term Tax-Exempt Fund (VCITX) Duration: 7.7 years (vs VCAIX 5.4 years) Vanguard Intermediate-Term Tax-Exempt (VWITX) Duration: 5.5 years I am more inclined to use VCITX for three reasons: 1. I am still in accumulation ...
by itworks
Wed Jan 29, 2014 12:19 am
Forum: Investing - Theory, News & General
Topic: MYRA OFF TOPIC UNTIL ACTIONABLE (merged threads)
Replies: 68
Views: 5887

Re: R-Bonds

Announced in the state of union address by President just now. The thread is locked as of now:
viewtopic.php?f=10&t=131819&newpost=1941567
by itworks
Tue Jan 28, 2014 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Cost Basis w/ SpecID
Replies: 19
Views: 2069

Re: Vanguard: Cost Basis w/ SpecID

Awesome, David. I am writing it down.
by itworks
Tue Jan 28, 2014 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Cost Basis w/ SpecID
Replies: 19
Views: 2069

Re: Vanguard: Cost Basis w/ SpecID

Kevin, Finally it got resolved. I got an email yesterday (01/27/14): Thank you for taking the time to contact us. We've updated your account according to your instructions. And here is what is being shown (which is expected): Date acquired (covered shares) 12/06/2013 quantity price totalCost marketV...
by itworks
Mon Jan 20, 2014 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Personal Retirement Annuity vs Taxable
Replies: 5
Views: 1191

Fidelity Personal Retirement Annuity vs Taxable

I have been thinking about buying 50K Fidelity Personal Retirement Annuity (with the index 500 option, http://fundresearch.fidelity.com/annuities/summary/FXVLT), as part of my retirement portfolio, to replace the 50K Vanguard total stock in my taxable account. The main motivation is the yearly cost,...
by itworks
Fri Jan 17, 2014 1:21 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Cost Basis w/ SpecID
Replies: 19
Views: 2069

Re: Vanguard: Cost Basis w/ SpecID

Kevin, it looks like you are seeing the same issue (assuming you purchased those shares recently with multiple transactions). I did get an email reply online today, which says "Your request is currently being researched, therefore we will contact you within three business days with the status o...
by itworks
Wed Jan 15, 2014 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard quality of service
Replies: 63
Views: 5443

Re: vanguard quality of service

I will give Vanguard 8 out of 10. Mostly, I just do things online and there is no need to contact customer service, and the website so far totally meets my needs. I do not need brokerage service. Altogether I should only have called Vanguard 3 times. - First time, it was regarding transferring a Rot...
by itworks
Wed Jan 15, 2014 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Cost Basis w/ SpecID
Replies: 19
Views: 2069

Re: Vanguard: Cost Basis w/ SpecID

Filed a secure email from Vanguard site two days ago, still no response, which is the reason I am posting here. Well I could wait for one more day and then probably give them a call. Last time when I called Vanguard about doing backdoor Roth, I was received lukewarmly with a bit impatience from the ...
by itworks
Wed Jan 15, 2014 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Cost Basis w/ SpecID
Replies: 19
Views: 2069

Re: Vanguard: Cost Basis w/ SpecID

Thanks Kevin.

All shares of this fund are purchased very recently, since early December 2013.

Does the fund type make a difference? The properly-behaves ones are Total Stock and Total International. The one in question is VCAIX (California Intermediate Muni). I think not...
by itworks
Wed Jan 15, 2014 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Cost Basis w/ SpecID
Replies: 19
Views: 2069

Vanguard: Cost Basis w/ SpecID

Invested in three funds in my vanguard taxable accounts. All three funds are set to use "SpecID" as cost basis. However, one of the funds always shows a single item as aggregated (even the shares were purchased in three transactions), but the other two show correctly as itemized by purchas...
by itworks
Sun Jan 12, 2014 3:31 pm
Forum: Investing - Theory, News & General
Topic: "Alternative Indexing Strategies" talked in the latest Money
Replies: 27
Views: 3872

Re: "Alternative Indexing Strategies" talked in the latest M

thanks -- this seems to be the topic with lots of good discussions on the paper:

viewtopic.php?f=10&t=105171
by itworks
Sun Jan 12, 2014 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: How to establish Retirement Accounts with no income?
Replies: 2
Views: 421

Re: How to establish Retirement Accounts with no income?

Yes it is called "Spousal IRA". Google it and you will find a ton of hits.
by itworks
Sun Jan 12, 2014 2:26 pm
Forum: Investing - Theory, News & General
Topic: "Alternative Indexing Strategies" talked in the latest Money
Replies: 27
Views: 3872

Re: "Alternative Indexing Strategies" talked in the latest M

Looks like Money has not make all articles of the latest issue (Jan/Feb 2014) available online yet. Below is captured from my camera (sorry for the low quality):

Image
by itworks
Sun Jan 12, 2014 2:14 pm
Forum: Investing - Theory, News & General
Topic: "Alternative Indexing Strategies" talked in the latest Money
Replies: 27
Views: 3872

"Alternative Indexing Strategies" talked in the latest Money

Any diehard mind commenting on the diagram in page 74 of this issue? See http://www.bogleheads.org/forum/viewtopic.php?f=10&t=129589&newpost=1920177 The article is "the new face of stock picking". The diagram says "a test of alternative index strategies found that they all had...
by itworks
Sun Jan 12, 2014 2:05 pm
Forum: Investing - Theory, News & General
Topic: Money Magazine takes Boglehead approach?
Replies: 27
Views: 4118

Re: Money Magazine takes Boglehead approach?

Borrowed this issue from the local library and it indeed reads slightly different from other issues with all those indexing articles. However, I have a speculation it is a direct result from the jump of SP500 in the past year. I do have a question on a diagram in page 74, talking about "alterna...
by itworks
Thu Jan 09, 2014 9:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: John Bogle's note
Replies: 5
Views: 1164

Re: John Bogle's note

Wow.. congrats! How did you get it?
by itworks
Mon Jan 06, 2014 1:42 am
Forum: Investing - Theory, News & General
Topic: Why Include Bonds in a Portfolio?
Replies: 74
Views: 5479

Re: Why Include Bonds in a Portfolio?

Bond should be included to reduce volatility. Roughly, arithmetic means is greater than geometric means, unless the all numbers are equal. The more disparate, the bigger the difference. With hypothetical numbers: let a+b=10, then the max of ab is achieved when a=b. e.g, 9*1 < 8*2 < 7*3 < 6*4 < 5*5 A...
by itworks
Fri Dec 27, 2013 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Ohio 529 web site change
Replies: 2
Views: 410

Re: Ohio 529 web site change

Looks like it is relatively easy to calculate the gain/loss for each investment choice. Go to "Account Overview", scroll down to "Transaction History", choose "All" to get all transactions. Then do a copy of the web page, paste it into a text editor. Inside text editor,...
by itworks
Thu Dec 26, 2013 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Ohio 529 web site change
Replies: 2
Views: 410

Ohio 529 web site change

Holiday greetings! Ohio 529 site (collegeadvantage.com) has been totally revamped. The new one seems losing a feature that I like. Basically, for each investment choice in my portfolio, the old site allows me to see the gain/loss. However, the new site only shows a single number, which is the combin...
by itworks
Sun Apr 07, 2013 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Question on 1040-ES and Estimated Payments for 2013 Return
Replies: 8
Views: 745

Re: Question on 1040-ES and Estimated Payments for 2013 Retu

Thanks David. I will ignore the forms then.
by itworks
Sun Apr 07, 2013 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Question on 1040-ES and Estimated Payments for 2013 Return
Replies: 8
Views: 745

Re: Question on 1040-ES and Estimated Payments for 2013 Retu

Thanks. My question is really, whether do I need to make any estimated payment or not in 2013?
by itworks
Sun Apr 07, 2013 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Question on 1040-ES and Estimated Payments for 2013 Return
Replies: 8
Views: 745

Question on 1040-ES and Estimated Payments for 2013 Return

I think I am a little confused by the 1040-ES printed out by Turbo tax -- first time for me. I guess it is because my 2012 withholding/credits are about 87% of the total tax. According to the following link (http://www.irs.gov/taxtopics/tc306.html), there are three possibilities to avoid under-payme...
by itworks
Sun Mar 17, 2013 10:47 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1453661

Re: What Book Are You Currently Reading? Part V

All the Devils Are Here: The Hidden History of the Financial Crisis
Bethany McLean, Joe Nocera

Finished 40% so far.. fascinating story..

Is America run by those too-big-too-fail banks? (Mod - delete this sentence if not appropriate)
by itworks
Sun Mar 03, 2013 5:28 pm
Forum: Personal Consumer Issues
Topic: Lab service and ultrasound service recommendation
Replies: 12
Views: 1124

Re: Lab service and ultrasound service recommendation

Bump... any more pointers / referrals to reasonably-priced lab service and ultrasound service? PS, I am always puzzled by US Healthcare system (as I came from another country). How can the university hospital facility charge so much? Aren't there any regulations on this? What is the role of "in...
by itworks
Sat Mar 02, 2013 5:11 pm
Forum: Investing - Theory, News & General
Topic: My HSA just got a lot better!
Replies: 24
Views: 6660

Re: My HSA just got a lot better!

Logged into my optum health bank account and was pleasantly surprised that the three Vanguard funds are also added. Weird that there is no email communication on this change. And, this was contradictory to what my company benefit representative told me 3 weeks ago, who said there is no plan to adjus...
by itworks
Sat Mar 02, 2013 4:21 pm
Forum: Personal Consumer Issues
Topic: Lab service and ultrasound service recommendation
Replies: 12
Views: 1124

Lab service and ultrasound service recommendation

Here is a situation. Wife needs to do semi-annual check on some health situation, and do semi-annual lab service (blood sample) and radiology service (ultrasound) before visiting the doctor. She always goes to a local University hospital (referred by our PCP). The hospital is reputable but also expe...
by itworks
Tue Jan 29, 2013 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Vanguard web site: hide fund with 0 balance
Replies: 10
Views: 3889

Re: Question on Vanguard web site: hide fund with 0 balance

Awesome! Never noticed this.. shame on me (being working on some user-oriented projects for a while).
by itworks
Tue Jan 29, 2013 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Vanguard web site: hide fund with 0 balance
Replies: 10
Views: 3889

Question on Vanguard web site: hide fund with 0 balance

I love the vanguard web site, simple yet easy to use.. It must be designed with serious user experiences considerations. Just a quick question: I dislike seeing those funds with 0 balance listing there. Anyhow to configure my account to hide them? Searched around account settings but I could not fin...
by itworks
Tue Jan 29, 2013 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank or Health Savings Administrators?
Replies: 38
Views: 12594

Re: HSA Bank or Health Savings Administrators?

Saturna Capital is an interesting idea. Did a quick reading on their brochure: 1. It claims "no-fee" HSA If you invest in any of Saturna's no-load mutual funds, we will not charge you a custodial fee on your HSA or ESA account. There is never a fee on contributions or distributions, nor ar...
by itworks
Tue Jan 29, 2013 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank or Health Savings Administrators?
Replies: 38
Views: 12594

Re: HSA Bank or Health Savings Administrators?

Yep a few confirmed that 3 vanguard funds are added; however, not to my account :(

I've sent an email to my employer's benefits representative, asking for the possibility to add them. If those vanguard funds are added, I agree this would be simply the best choice for me.
by itworks
Tue Jan 29, 2013 1:41 pm
Forum: Investing - Theory, News & General
Topic: My HSA just got a lot better!
Replies: 24
Views: 6660

Re: My HSA just got a lot better!

Thanks for the information. Logged into my Optum Health Bank account and I am disappointed those vanguard funds are not available. I am going to email my employer's benefits representative asking about the possibility to add them. @jlg: Yes different plans include different fee schedules and, likely...
by itworks
Tue Jan 29, 2013 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank or Health Savings Administrators?
Replies: 38
Views: 12594

Re: HSA Bank or Health Savings Administrators?

Good information from EmergDoc's blog. Just realized that Fidelity has HSA and fee is waived under some conditions. Since my 401K is with Fidelity, it seems a good choice for me to move to Fidelity for its spartan funds. PS, first year with HSA and the employer-picked custodian is Optum Health Bank...
by itworks
Sat Jan 26, 2013 12:29 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor
Replies: 81
Views: 7706

Re: Happy Birthday Taylor

typically a lurker... I have to login and bump. Happy Birthday Taylor. Wish you all the best!
by itworks
Sun Jan 20, 2013 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank or Health Savings Administrators?
Replies: 38
Views: 12594

Re: HSA Bank or Health Savings Administrators?

Good information from EmergDoc's blog. Just realized that Fidelity has HSA and fee is waived under some conditions. Since my 401K is with Fidelity, it seems a good choice for me to move to Fidelity for its spartan funds. PS, first year with HSA and the employer-picked custodian is Optum Health Bank ...
by itworks
Sat Dec 29, 2012 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth + 401k + Defined Benefit Plan OK?
Replies: 15
Views: 2776

Re: Backdoor Roth + 401k + Defined Benefit Plan OK?

Re: Do I need to set up the Traditional IRA and convert to the Roth IRA before the end of 2012? I also wanted to do a back door Roth IRA conversion. I just called Vanguard about 20 min ago, and the customer service explicitly told me the "conversion" is "calendar year" event, whi...

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