Search found 70 matches

by masterofinvesting
Sun Dec 10, 2017 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Discretionary speculation and stock trading
Replies: 4
Views: 214

Re: Discretionary speculation and stock trading

I've been directing my credit card cash back rewards to my fidelity brokerage account where I do some speculative trading to scratch whatever trading itch I have. Clearly, it is much <<< my overall portfolio.
by masterofinvesting
Sun Dec 10, 2017 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Experiences with Quicken to GNUCash Conversion.
Replies: 9
Views: 669

Re: Experiences with Quicken to GNUCash Conversion.

I've also created a new Wiki page with the conversion info: https://www.bogleheads.org/wiki/GnuCash.

Please let me know if you have any feedback, and please feel free to update the Wiki if you discover any new information or tricks related to the conversion process, or related to GnuCash.

Thanks!
by masterofinvesting
Sun Dec 10, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Experiences with Quicken to GNUCash Conversion.
Replies: 9
Views: 669

Re: Experiences with Quicken to GNUCash Conversion.

So my question is: does GNUCash support more than one account? By the way, in my case in each account, there are a few subaccounts (moneys are kept in more than one bank) In GNUCash, you can create as many accounts and sub-accounts as you like in any hierarchy that you wish (I've provided one examp...
by masterofinvesting
Sun Dec 10, 2017 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Experiences with Quicken to GNUCash Conversion.
Replies: 9
Views: 669

Re: Experiences with Quicken to GNUCash Conversion.

Below, I am posting a mini-guide I've created based on my experience with Quicken to GNUCash conversion. Hopefully, it will be of help to folks attempting something similar. Please keep in mind though, that your conversion experience may be different from mine depending on your account types and his...
by masterofinvesting
Sat Dec 09, 2017 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Experiences with Quicken to GNUCash Conversion.
Replies: 9
Views: 669

Experiences with Quicken to GNUCash Conversion.

Like many folks in this group, I've been contemplating converting from Quicken to GNUCash (well, to basically *anything* else). I have an account history spanning two decades (MS Money till sunset and Quicken thereafter), so I knew it wasn't going to be an easy task if I wanted to convert *and* keep...
by masterofinvesting
Sat Nov 04, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: A note of thanks, a progress report and follow-up questions.
Replies: 4
Views: 523

Re: A note of thanks, a progress report and follow-up questions.

Thanks for the replies ! Some comments below. Is the wife's existing 401k pretax or aftertax? Based on the order of items in the post I came away with pretax but worth clarifying. My wife's 401k is entirely pre-tax. Your ARM is the only thing I found to worry about. I think your plan to re-finance t...
by masterofinvesting
Sat Nov 04, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: A note of thanks, a progress report and follow-up questions.
Replies: 4
Views: 523

A note of thanks, a progress report and follow-up questions.

It was during the early part of 2013 that I discovered Bogleheads. At that time, my thinking was "the market has had quite a run-up so far, may be I should wait for the next crash"- and I was contemplating getting out of the market :oops:. I would have missed out on a lot had I not discovered this f...
by masterofinvesting
Wed Sep 27, 2017 7:21 am
Forum: Investing - Help with Personal Investments
Topic: Mega-backdoor Roth Conversion. Am I doing this correctly?
Replies: 19
Views: 1700

Re: Mega-backdoor Roth Conversion. Am I doing this correctly?

Thanks Lemongrab, retiredj and others for the great advice ! I am more confident now in this process than before.
by masterofinvesting
Tue Sep 26, 2017 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Mega-backdoor Roth Conversion. Am I doing this correctly?
Replies: 19
Views: 1700

Re: Mega-backdoor Roth Conversion. Am I doing this correctly?

Thanks everyone for your comments. Some responses to questions below: "Sounds OK", but it might be slightly more mistake proof if you use a printed Vanguard contribution slip from your account. This is a good suggestion! I'll include this along with the cover letter! 1) When I do mine, the check is ...
by masterofinvesting
Tue Sep 26, 2017 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Mega-backdoor Roth Conversion. Am I doing this correctly?
Replies: 19
Views: 1700

Mega-backdoor Roth Conversion. Am I doing this correctly?

Dear Bogleheads, I am trying a 401K after-tax (Fidelity) to Roth IRA (Vanguard) conversion for the first time (also called "Mega-Backdoor Roth"). After a few phone calls with Fidelity and Vanguard, I've narrowed down the steps needed to accomplish this. I am looking for some confirmation from folks ...
by masterofinvesting
Wed Jul 26, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: I bought a different car and my old bike rack no longer works. How should I transport my bike moving forward?
Replies: 67
Views: 3459

Re: I bought a different car and my old bike rack no longer works. How should I transport my bike moving forward?

This is the solution I used: Install a hitch mount at the local UHAUL (cost about $180 ish). Bought the Yakima Dr. Tray (expensive ~ $500) platform rack to carry two bikes. The main advantage of this rack is that it is quite lightweight (@ 35 lbs), so you can easily remove it when you don't need it ...
by masterofinvesting
Wed Jun 21, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Best Practices for Managing Paper Receipts
Replies: 28
Views: 2794

Re: Best Practices for Managing Paper Receipts

Hawaiishrimp wrote:Thank me later.

Fujitsu iX500 ScanSnap Document Scanner
https://www.amazon.com/Fujitsu-ScanSnap ... i+snapscan
+1000
by masterofinvesting
Mon Jun 19, 2017 8:23 am
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 78
Views: 6540

Re: Best Financial Advice from Dad (in honor of father's day)

One of the best advice my dad gave me was - "Do the best you can do, and don't worry about the result". It is a mantra that I've followed throughout my life in exams, interviews and also now in investing (where the best I can do is a diversified stock/bond index portfolio that is commensurate with m...
by masterofinvesting
Fri May 12, 2017 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Post-Deductible FSA? Greatest thing since sliced bread?
Replies: 10
Views: 2087

Re: Post-Deductible FSA? Greatest thing since sliced bread?

Sorry for reigniting this old thread. I just came across this recently. Can someone please help provide a good IRS (or other official) reference that can confirm the following? (it really sounds too good to be true). Now I find that the Limited FSA we also have has another benefit: it is a "post-ded...
by masterofinvesting
Fri May 12, 2017 10:32 pm
Forum: Investing - Theory, News & General
Topic: Anyone use Python to analyze their finances?
Replies: 40
Views: 7084

Re: Anyone use Python to analyze their finances?

I have a related question. A lot of us have years (or decades) of financial data in Quicken, but we still rely on Quicken's reporting to extract and visualize and data that we need. Wouldn't it be nicer to have a scripting interface for Quicken? (just like Word or Excel - both of which can be script...
by masterofinvesting
Sun Mar 19, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: How to report HSA gains in CA return? (H&R block software)
Replies: 19
Views: 1668

Re: How to report HSA gains in CA return? (H&R block software)

I added realized gains as income to Schedule CA line 21 as income addition. It's already declared. There is no special lower tax rate for capital gains in CA. I don't have a capital loss. I am in the same situation. I have no capital loss this year. But, I can see how things become complicated if y...
by masterofinvesting
Sun Mar 19, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: How to report HSA gains in CA return? (H&R block software)
Replies: 19
Views: 1668

Re: How to report HSA gains in CA return? (H&R block software)

https://ttlc.intuit.com/questions/2757069-how-do-i-report-hsa-stock-transactions-and-dividends-for-california Here is a suggested TT workaround. Don't know if HRB can do the same. Unfortunately, this seems to be a problem with HRB. The corresponding forms are read-only. There is an "override&q...
by masterofinvesting
Sun Mar 19, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: How to report HSA gains in CA return? (H&R block software)
Replies: 19
Views: 1668

Re: How to report HSA gains in CA return? (H&R block software)

California does not give special treatment to realized capital gains whether long-term or short-term. So just treat interest, dividends and realized capital gains all the same. There is a place to enter California income adjustment. I chose 'other'. Thanks, tfb. This looks like a good option. As lo...
by masterofinvesting
Sat Mar 18, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: How to report HSA gains in CA return? (H&R block software)
Replies: 19
Views: 1668

How to report HSA gains in CA return? (H&R block software)

Hi, I've been using H&R Block software to do my tax returns for the past few years, but this year is throwing an unexpected curveball. I live in CA and have a HSA account in which I have some dividends and capital gains that I need to report on my CA return. The thing is, H&R block software ...
by masterofinvesting
Sat Feb 04, 2017 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Multiple state tax question.
Replies: 3
Views: 584

Re: Multiple state tax question.

Thanks grabiner & pshonore ! Finally got around to reading some tax docs on handling multiple state income. Since my wife is temporarily residing in IL with permanent residence in CA, it makes to sense to file as MFJ/resident in CA -- this part seems clear to me. Given this, is there any particu...
by masterofinvesting
Thu Jan 26, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Multiple state tax question.
Replies: 3
Views: 584

Multiple state tax question.

Hi, I wanted to make sure that I am doing this right. My wife lived and worked in IL for the better part of last year while she and I have our permanent residence in CA (where I live and work). Is this the right way to handle state taxes in this case? (we file MFJ). ⋅  We both file MFJ in ...
by masterofinvesting
Sat Oct 22, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare costs and self funding
Replies: 96
Views: 8550

Re: Healthcare costs and self funding

I've found that reading discussions about ACA almost always degrades into partisan bickering and name calling, but the Bogleheads are a refreshing change. I've learned quite a bit of new stuff about ACA that I didn't know about before reading this thread. Let's keep going ... I have one question tho...
by masterofinvesting
Sun Oct 16, 2016 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should I refinance my mortgage?
Replies: 9
Views: 1216

Re: Should I refinance my mortgage?

Thanks for your replies. I was only able to view them now that the server is finally back ! Some responses to questions below: When did you get the mortgage? 12/2014 1. How far are you into your current mortgage? 2. What's your current home value relative to your mortgage amount? 3. Would you be abl...
by masterofinvesting
Fri Oct 14, 2016 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Should I refinance my mortgage?
Replies: 9
Views: 1216

Should I refinance my mortgage?

Hi, I currently have a 30-yr 5/5 ARM mortgage with ~$500K balance. The current rate is 2.875% until 2020 and it can go up 2% every 5 years with a max rate limit of 7.875%. It was offered with zero closing costs and no fees. Normally I would just stay put and wait until the end of my first 5 year per...
by masterofinvesting
Sun Sep 04, 2016 9:55 am
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 9925

Re: Frustrated Losing Weight!

Cycling is great, but the "fat burning zone" is a myth. Yes, you will mostly just burn fat when you exercise at low intensity. But high intensity exercise burns off your glycogen stores, which must be replenished with energy from somewhere. Exercising intensely for the same period of time...
by masterofinvesting
Sat Sep 03, 2016 9:26 pm
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 9925

Re: Frustrated Losing Weight!

116 posts... and no one mentioned biking? IMO, riding a bike is an awesome way to lose fat (and hence weight) because of the following reasons: ⋅  Biking is fun and hence people tend to do it much longer than other activities (like running, or even walking). This is especially true if the ...
by masterofinvesting
Sat Aug 27, 2016 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Paycheck tax calculation help
Replies: 13
Views: 1556

Re: Paycheck tax calculation help

Yeah I did read the disclaimer. Here's the thing though, the ADP calculator matches exactly what my paycheck shows, down to the penny, for both federal and state. So both paycheck and calculator agree but I'm slightly off when I do my own calculation. I am trying to do the same thing and I am encou...
by masterofinvesting
Sun Jul 24, 2016 10:00 am
Forum: Investing - Help with Personal Investments
Topic: HSA in CA (things to consider?)
Replies: 13
Views: 1907

Re: HSA in CA (things to consider?)

Thanks for your replies, curmudgeon and grabiner. I put my CA HSA investment into an S&P500 index fund. A low cost option, and fairly tax-efficient. ... then a US stock index fund has a low tax cost. This is the part I don't understand. While S&P500 is tax efficient for federal tax purposes,...
by masterofinvesting
Sat Jul 23, 2016 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: HSA in CA (things to consider?)
Replies: 13
Views: 1907

HSA in CA (things to consider?)

My employer recently switched to a HDHP, and we now have an option to invest up-to $6.6K/year into our HSAs (the provider is Connect Your Care). I live in CA, so HSAs are taxable for the purposes of state tax. I am trying to find out the best way to take advantage of our HSA. Basically, I see two pr...
by masterofinvesting
Fri Jun 10, 2016 9:25 am
Forum: Personal Finance (Not Investing)
Topic: CEA Earthquake Policy ...
Replies: 6
Views: 949

CEA Earthquake Policy ...

Hi, As I understand it, having a CEA earthquake policy is better than having a non-CEA one because of their higher claim paying capacity. Is this correct? But, unfortunately, I have homeowners insurance with a carrier (GEICO/Travelers) that is not in the list of participating insurers in the CEA (m)...
by masterofinvesting
Sat Jun 04, 2016 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: 401k or not? (Plan Administrative Fees)
Replies: 11
Views: 843

Re: 401k or not? (Plan Administrative Fees)

Yes. 0.215% is an ANNUAL fee. It is explicitly stated in the plan disclosure document. There are other mentions of "asset-based fees" which is basically the mutual fund ERs and "Individual fees" which are for 401k loan processing, portfolio advisory service etc., none of which we...
by masterofinvesting
Sat Jun 04, 2016 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: 401k or not? (Plan Administrative Fees)
Replies: 11
Views: 843

Re: 401k or not? (Plan Administrative Fees)

What are the ERs on the fund choices that you have? There are quite a few funds, but the ones that we are interested in are all Vanguard index funds (so excellent ERs): 1. Vang S&P 500 - 0.05% 2. Vang Total Intl - 0.12% 3. Vang TBM - 0.06% Really, the only concern is the plan management fees (+...
by masterofinvesting
Sat Jun 04, 2016 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: 401k or not? (Plan Administrative Fees)
Replies: 11
Views: 843

401k or not? (Plan Administrative Fees)

My wife recently started working for an employer who is offering a 401k plan with Fidelity. The plan itself is quite good (several Vanguard admiral index fund choices + option to use BrokerageLink), but the down side seems to be the plan level fees which are deducted from her account per quarter (no...
by masterofinvesting
Sun May 01, 2016 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Couples: Are you and your significant other on the same page financially?
Replies: 65
Views: 7268

Re: Couples: Are you and your significant other on the same page financially?

I am in the same boat as OP, but we are at least 20-30 years away from retirement. My wife absolutely despises budgets (no amount of allocation to "Clothing - Casual" will satisfy her). The differences in approach towards saving/spending was initially frustrating, but I've learned to adjus...
by masterofinvesting
Sat Apr 16, 2016 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Question about deducting real estate taxes ...
Replies: 1
Views: 333

Question about deducting real estate taxes ...

Hi, I recently bought a home (in 2014) and I am bit confused about deducting real estate taxes on Schedule-A. My county sends a tax bill that covers the period from July 1st of the current year to June 30th of the next year (for example, last year I received a bill that covered 07/01/2015 - 06/30/20...
by masterofinvesting
Sat Apr 16, 2016 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Clarification needed on Mega backdoor Roth
Replies: 17
Views: 2880

Re: Clarification needed on Mega backdoor Roth

Thank you retiredjg for the detailed explanation. I checked with my Fidelity rep (401k administrator) and he mentioned I can just convert the after-tax contributions + earnings without touching anything else (so, it seems account based as you pointed out).
by masterofinvesting
Fri Apr 15, 2016 1:02 am
Forum: Personal Finance (Not Investing)
Topic: Clarification needed on Mega backdoor Roth
Replies: 17
Views: 2880

Clarification needed on Mega backdoor Roth

Hi, My employer recently started offering the option to make after-tax 401k contributions along with the choice to convert the after-tax to either Roth 401k or a Roth IRA. I was thinking of taking the Roth IRA option as it will allow me to move the after-tax contribution + earnings into my existing ...
by masterofinvesting
Sun Apr 10, 2016 9:53 pm
Forum: Personal Consumer Issues
Topic: Looking to buy a decent Windows laptop ...
Replies: 17
Views: 2594

Re: Looking to buy a decent Windows laptop ...

Thanks a lot for the helpful links and advice ! XPS13 definitely seems interesting. I'll check it out.
by masterofinvesting
Sun Apr 10, 2016 1:26 am
Forum: Personal Consumer Issues
Topic: Looking to buy a decent Windows laptop ...
Replies: 17
Views: 2594

Looking to buy a decent Windows laptop ...

It has been a while since I bought my last Windows laptop. I am looking for something in the price range of < $700, and with Core i5 or i7 and a SSD (at least 128G), and good quality. Normally, I would just go to the Dell website and just order something that fits in my price range, but they seem to...
by masterofinvesting
Fri Apr 08, 2016 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Is TLH too much work for you?
Replies: 32
Views: 3483

Re: Is TLH too much work for you?

2) Exchange $100 from other funds into the prime money market fund. Wait a few days for the money to be transferred. Then, try again. It will work this time since the prime money market fund has $100 aka more than zero. The above doesn't work either. Vanguard complains that the fund has a minimum i...
by masterofinvesting
Fri Apr 08, 2016 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Is TLH too much work for you?
Replies: 32
Views: 3483

Re: Is TLH too much work for you?

I'm careful not to do my TLH within the 30 day window Shouldn't it be 60 days? (~31 days on either side of the dividend reinvestment - assuming we can predict when the dividends are distributed/reinvested). If we are making contributions to IRAs as well, then there are several months that are black...
by masterofinvesting
Fri Apr 08, 2016 12:37 am
Forum: Investing - Help with Personal Investments
Topic: Is TLH too much work for you?
Replies: 32
Views: 3483

Re: Is TLH too much work for you?

For folks who follow the three fund portfolio (TSM, TISM, BND), wouldn't you also have these funds in your IRAs? If so, do you reinvest the dividends within the IRAs? Wouldn't those be a wash against the TLH you do on the corresponding taxable accounts? If so, how to handle this? [One thing I tried ...
by masterofinvesting
Sun Mar 20, 2016 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Wash Sale Situation - Am I doing this the right way?
Replies: 0
Views: 327

Wash Sale Situation - Am I doing this the right way?

Hi, I am having a tricky Wash sale situation across my ESPP & RSUs. Using an example, I am summarizing below what I did to handle this situation based on my knowledge of Wash Sale Rules. Is it possible for someone to help check if my interpretation is correct? I greatly appreciate your help. Thi...
by masterofinvesting
Sat Feb 13, 2016 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: TLH pair choices (VTSMX<->FSTMX) and (VGTSX<->FSGDX)?
Replies: 6
Views: 753

Re: TLH pair choices (VTSMX<->FSTMX) and (VGTSX<->FSGDX)?

I fixed the title and added more information to my OP - my 401k is in Fidelity and I would be purchasing the Spartan funds every pay-check (sorry for not mentioning this earlier). So, still interested in known whether or not it is safe to sell VTSMX and VGTSX and not trigger a wash against Spartan f...
by masterofinvesting
Sat Feb 13, 2016 11:59 am
Forum: Investing - Help with Personal Investments
Topic: TLH pair choices (VTSMX<->FSTMX) and (VGTSX<->FSGDX)?
Replies: 6
Views: 753

TLH pair choices (VTSMX<->FSTMX) and (VGTSX<->FSGDX)?

Hi, I am trying TLH for the first time and I am wondering if I can use VTSMX (Vanguard Total Stock Market Index) and FSTMX (Spartan Total Market Index Fund) as TLH pairs? I have accounts at both Vanguard and Fidelity. They seem to follow different indices: ⋅  VTSMX - Tracks CRSP US Total M...
by masterofinvesting
Sat Jun 20, 2015 10:52 pm
Forum: Personal Consumer Issues
Topic: Banff & Jasper with 1.5-yr old daughter.
Replies: 24
Views: 4446

Re: Banff & Jasper with 1.5-yr old daughter.

Dear Bogleheads: We have started booking the trip, and so far, I have come up with the following itinerary (but still have a few blanks to fill, marked with ??). I would greatly appreciate your help and guidance with this - esp from people who are familiar with the area. Are there any "must-see...
by masterofinvesting
Thu Jun 11, 2015 9:49 pm
Forum: Personal Consumer Issues
Topic: Banff & Jasper with 1.5-yr old daughter.
Replies: 24
Views: 4446

Re: Banff & Jasper with 1.5-yr old daughter.

Thanks a lot for your suggestions. I'll plan to add more days in Jasper given the comments (probably, Banff + LL: 5, Jasper: 3). For air travel with small kids, which of the following is a better option? ⋅  Carry the car seat with us on the plane, and use it with the rental car at the dest...
by masterofinvesting
Mon Jun 08, 2015 10:56 pm
Forum: Personal Consumer Issues
Topic: Banff & Jasper with 1.5-yr old daughter.
Replies: 24
Views: 4446

Banff & Jasper with 1.5-yr old daughter.

Hi, We are planning a trip to Banff & Jasper in early September with our 1.5-year daughter. This is our first overseas vacation since our daughter was born. I am planning to take one-week off (meaning 9 days total including weekends). I just checked out a couple of books on the Canadian Rockies ...
by masterofinvesting
Sun Apr 05, 2015 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Question on forfeited Dependent Care FSA funds.
Replies: 0
Views: 381

Question on forfeited Dependent Care FSA funds.

Hi, I had some unused funds in my 2014 Dependent Care FSA which cannot be carried over to the next year (and are hence, forfeited). From this Wikipedia article (m), I see that the forfeited funds are taxable should be added back as taxable income: A second requirement is that all applications for re...
by masterofinvesting
Sun Feb 01, 2015 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: VBMFX vs FSITX - Wash Sale?
Replies: 4
Views: 1130

Re: VBMFX vs FSITX - Wash Sale?

Thanks for all your replies. I am now inclined to report what comes in 1099-B - given that it is easy to make a case that VBMFX and FSITX are not substantially identical (in_reality has outlined some very good points here). I will save the prospectii and relevant fund data of these two funds from mo...