Search found 79 matches

by masterofinvesting
Sat Feb 17, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: The Final Frontier...just did my own taxes!
Replies: 14
Views: 663

Re: The Final Frontier...just did my own taxes!

Congratulations !! If you are up for a bigger challenge, I would like to suggest the following - try doing your taxes without TT, but using an Excel sheet instead (you can construct the Excel sheet brick-by-brick using TT as reference and reviewing the internal TT forms closely). I started doing thi...
by masterofinvesting
Thu Feb 08, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 157
Views: 8871

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

In my 3-day experience with Quicken, the feature I found very useful (and the only one I need) is the ability to download data from multiple brokerages automatically, and get a full view of my asset allocation. Is it possible to do what with GnuCash ? I can tweak download scripts to get files from ...
by masterofinvesting
Wed Feb 07, 2018 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 157
Views: 8871

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

FYI... There are other better options that also cost $0 - for life! https://www.bogleheads.org/wiki/GnuCash https://www.bogleheads.org/wiki/GnuCash#Quicken_to_GnuCash_conversion I've been a decade+ long user of Quicken (and was with MS-Money earlier), and I would never go back to Quicken again given...
by masterofinvesting
Sun Jan 28, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: San Diego for 3-4 Days for a Couple
Replies: 25
Views: 1528

Re: San Diego for 3-4 Days for a Couple

In addition to earlier suggestions: 1. Point Loma. 2. Balboa Park and Museums. +1 on Torrey Pines, Coronado. There is a nice bike trail on Coronado island (called "Silver Strand" I think) - you can rent bikes near the Ferry station. Mission Bay beach, Belmont park is a good place to spend time with ...
by masterofinvesting
Thu Dec 28, 2017 1:05 am
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 102
Views: 11205

Re: Any Instant Pot users here?

If you like Indian food, there is a great FB group full of recipes, clever ways to use IP to cook a variety of Indian dishes, and discussions related to IP. https://www.facebook.com/groups/InstantPotIndian/ A few other articles related to IP: NPR: https://www.npr.org/sections/thesalt/2017/01/18/5096...
by masterofinvesting
Thu Dec 28, 2017 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Increasing 2017 charitable donations d/t 2018 tax bill?
Replies: 24
Views: 1416

Re: Increasing 2017 charitable donations d/t 2018 tax bill?

Nice. Completely overlooked DAFs. But dang, looked at Vanguard's, since we have all with them besides our cash/bank accounts and our employer plans (i.e. 401k, 457, etc.), and I'm taken aback by that initial contribution of $25k. I know everybody is scrambling to get things done b4 year-end given t...
by masterofinvesting
Sat Dec 16, 2017 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Experiences with Quicken to GNUCash Conversion.
Replies: 18
Views: 1766

Re: Experiences with Quicken to GNUCash Conversion.

Yes, option 3 would on the face of things offer the information. Using subaccounts (which I don't think GnuCash has) would allow you to get a subtotal of, in your example, all rental income. However the beauty of adding a third axis as in project accounting is ability to analyze each project - so y...
by masterofinvesting
Tue Dec 12, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Experiences with Quicken to GNUCash Conversion.
Replies: 18
Views: 1766

Re: Experiences with Quicken to GNUCash Conversion.

The several "Unspecified" accounts that GnuCash created during the import are related to another bit of Quicken badness (IMO) - that Quicken allows entering transactions without specifying a category at all. I completely agree with your observation regarding Quicken - there is so much "behind the s...
by masterofinvesting
Tue Dec 12, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Experiences with Quicken to GNUCash Conversion.
Replies: 18
Views: 1766

Re: Experiences with Quicken to GNUCash Conversion.

I experimented several years ago, but GnuCash would not support tags (in addition to categories). I needed tags for project based tracking (rental properties, etc.). Does GnuCash now support tags? I don't see any Tag field per transaction, but wouldn't it be be possible to work around it using any ...
by masterofinvesting
Sun Dec 10, 2017 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Discretionary speculation and stock trading
Replies: 4
Views: 302

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: 18
Views: 1766

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: 18
Views: 1766

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: 18
Views: 1766

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: 18
Views: 1766

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: 591

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: 591

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: 1905

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: 1905

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: 1905

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: 3755

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: 3190

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: 7166

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: 2286

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: 7516

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: 2015

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: 2015

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" optio...
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: 2015

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: 2015

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 neither ...
by masterofinvesting
Sat Feb 04, 2017 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Multiple state tax question.
Replies: 3
Views: 604

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 particular ...
by masterofinvesting
Thu Jan 26, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Multiple state tax question.
Replies: 3
Views: 604

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 IL and pay ta...
by masterofinvesting
Sat Oct 22, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare costs and self funding
Replies: 96
Views: 8869

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: 1236

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: 1236

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: 10173

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 is going ...
by masterofinvesting
Sat Sep 03, 2016 9:26 pm
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 10173

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 city you live...
by masterofinvesting
Sat Aug 27, 2016 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Paycheck tax calculation help
Replies: 13
Views: 1676

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: 2063

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, it does...
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: 2063

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: 998

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 (ht...
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: 880

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 plan to use. The em...
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: 880

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 (+0.21...
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: 880

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: 7454

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 adjust. Basical...
by masterofinvesting
Sat Apr 16, 2016 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Question about deducting real estate taxes ...
Replies: 1
Views: 340

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: 3055

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: 3055

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: 2646

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: 2646

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: 3525

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: 3525

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...