Search found 171 matches

by mister_sparkle
Wed Apr 05, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: House Sale in Year of Divorce
Replies: 8
Views: 1060

Re: House Sale in Year of Divorce

I have a follow-up question to my original question. My soon to be ex-wife and I have an agreement on splitting our house sale on our 2016 tax return. We are filing our taxes Married Filing Separately. My question is how the sale of the house is entered on our tax returns. As an example, we bought t...
by mister_sparkle
Wed Mar 22, 2017 7:40 pm
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 9872

Re: Anyone else taking less risk

I'll be receiving my share of the funds from selling my marital house last June, sometime in April I hope. While I'm at 70/30 stocks/bonds, I will probably be modifying this ratio to 60/40 when I invest this money, and likely DCAing over a period of several months. Just a hunch as I feel like things...
by mister_sparkle
Wed Mar 22, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard keeps saying my e-mail address doesn't work
Replies: 10
Views: 775

Vanguard keeps saying my e-mail address doesn't work

The past 2-3 weeks, Vanguard shows a message for me every time I log in, saying that my e-mail address has been rejecting their e-mails, and to enter a new e-mail address (or verify my existing one). I've even gotten paper mailers from them to the same effect. I have a Gmail account that I've used f...
by mister_sparkle
Fri Feb 10, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Odd issues with establishing employee vs. IC status
Replies: 5
Views: 333

Odd issues with establishing employee vs. IC status

A friend of mine is relocating to Illinois to be an independent sales rep for a Kansas-based business. The company is telling her various odd things about how she should be set up and some of these to me seem a bit paranoid, so I thought I'd see if others had any experience with this. They are sayin...
by mister_sparkle
Tue Feb 07, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: Rule of Thumb for Getting Rid of Car
Replies: 51
Views: 5480

Rule of Thumb for Getting Rid of Car

I have a 2005 Mini Cooper with 87K miles on it that is starting to show its age in certain ways. Mostly minor things, such as the rear windshield wiper rotting out and falling off, the latch that opens the hood no longer working, extremely rusted out wheel/axel parts I noticed while using a replacem...
by mister_sparkle
Fri Jan 27, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: What sort of doctor specialty should I see?
Replies: 4
Views: 671

What sort of doctor specialty should I see?

I've been dealing with pain in the left side of my body for the past few weeks and really need to see a doctor about it, but I don't know what specialty I should be searching for under my BCBS plan website. Symptoms: Pain ranging from my upper left shoulder/neck area down to my left forearm. Especia...
by mister_sparkle
Mon Jan 23, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax is playing games again.
Replies: 52
Views: 10014

Re: TurboTax is playing games again.

Are you sure about that? I have TurboTax Deluxe and was able to input my Vanguard 1099-B trade info. Granted, I haven't finished my taxes yet so don't know if this will generate a Schedule D.
by mister_sparkle
Fri Jan 06, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: Kansas City trip advice
Replies: 23
Views: 1623

Re: Kansas City trip advice

If you want terrific BBQ in a 'dive-type' setting, then go to LC's Bar-B-Q . David I went to LCs before a Royals game this summer and thought it was just OK -- and the ribs were absolutely drowning in sauce. Nice atmosphere but a little lacking. Spent NYE weekend in KC and got to try Q39, and every...
by mister_sparkle
Tue Jan 03, 2017 6:33 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1288
Views: 214436

Re: What are you up YTD? [Year To Date]

2016 was a Good Year for me:

Up 9.02% overall -- 2.97% of that dividends and 6.06% investment performance. I do a simple calculation based on YE 2015 balance change, so doesn't take into account increase on any contributions made during the year.
by mister_sparkle
Thu Dec 22, 2016 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Should I rebalance with each deposit?
Replies: 16
Views: 1384

Re: Should I rebalance with each deposit?

For a taxable account, I would probably lean towards making just one purchase of one fund to keep record keeping simpler and buying the most under-allocated sector. For me lately, that's been Total Bonds. You can also just buy the Money Market and wait 'til you have a meaningful chunk to invest a fe...
by mister_sparkle
Mon Dec 19, 2016 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX and VTIAX YE Distributions
Replies: 8
Views: 1044

Re: VTSAX and VTIAX YE Distributions

Yes, December 9, 2016 for both. I don't own either fund, but since the distributions for both funds were announced, the distributions tabs for these funds at vanguard.com MUST have the real numbers now and not estimates. Do they? I didn't look. Thanks, as I didn't think to do that. It says the paym...
by mister_sparkle
Mon Dec 19, 2016 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX and VTIAX YE Distributions
Replies: 8
Views: 1044

Re: VTSAX and VTIAX YE Distributions

Paying. I found a different link showing the Record Date for both funds as December 16.
by mister_sparkle
Mon Dec 19, 2016 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX and VTIAX YE Distributions
Replies: 8
Views: 1044

VTSAX and VTIAX YE Distributions

Does anyone know what day Vanguard will be posting year-end distributions for VTSAX and VTIAX?
by mister_sparkle
Tue Nov 15, 2016 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Commission-only sales position -- typical rate?
Replies: 8
Views: 1256

Commission-only sales position -- typical rate?

I have a friend who works in real estate at the moment and has been offered a sales job with a company that specializes in build-outs of customized retail and restaurant interiors. Jobs range from $50K on up, with a typical contract being worth around $100K. He is wondering what sort of commission w...
by mister_sparkle
Wed Sep 28, 2016 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing status if divorce not finalized?
Replies: 19
Views: 1190

Re: Tax filing status if divorce not finalized?

If you have contributed to Roth IRA for 2016, you may have to make it un-happen. The income limits for married filing separately are very low. :shock: Over $1 in income, and the Roth maximum phases out. Over $10K, and you can't contribute at all. I contributed to my Roth in January, so I will have ...
by mister_sparkle
Wed Sep 28, 2016 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing status if divorce not finalized?
Replies: 19
Views: 1190

Re: Tax filing status if divorce not finalized?

Not an option due to the hostility between us. Plus, I have no idea how she's handled any of her earnings or tax payments this year given that she's not a W-2 employee, so that's a hornets nest I am staying away from. Some things will need to be coordinated. For example, if you file MFS, you both h...
by mister_sparkle
Wed Sep 28, 2016 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing status if divorce not finalized?
Replies: 19
Views: 1190

Re: Tax filing status if divorce not finalized?

Not an option due to the hostility between us. Plus, I have no idea how she's handled any of her earnings or tax payments this year given that she's not a W-2 employee, so that's a hornets nest I am staying away from.
by mister_sparkle
Wed Sep 28, 2016 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing status if divorce not finalized?
Replies: 19
Views: 1190

Tax filing status if divorce not finalized?

I am in the process of getting divorced, and believe that the final court hearing won't happen until early 2017. My soon to be ex-spouse and I have separated our living situations and we will be filing our taxes separately for 2016. I'm just wondering how a filing status of married filing separately...
by mister_sparkle
Tue Jul 12, 2016 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Living Trust Necessary?
Replies: 6
Views: 842

Living Trust Necessary?

I recently contacted an attorney through my legal plan at my employer to update my documents to reflect a recent divorce. As part of the package the attorney sent me, she included a living trust document, along with a will, PoA, medical directives, burial instructions, etc. I'm just wondering if I e...
by mister_sparkle
Thu Jul 07, 2016 10:55 am
Forum: Personal Finance (Not Investing)
Topic: House Sale in Year of Divorce
Replies: 8
Views: 1060

Re: House Sale in Year of Divorce

In that situation, and if you do not receive a 1099S early next year I believe you don't have to address the issue at all. When you closed, did you sign a statement saying that this was your personal residence and that you had lived in it for at least 2 of the last 5 years? If yes, you probably won...
by mister_sparkle
Thu Jul 07, 2016 10:30 am
Forum: Personal Finance (Not Investing)
Topic: House Sale in Year of Divorce
Replies: 8
Views: 1060

House Sale in Year of Divorce

My soon to be ex-wife and I recently sold our house, and we will be divorced before the end of the year. Sale price was between $250,000 and $500,000 over the purchase price. We have not yet come to an agreement on how to handle the house sale on our 2016 taxes, so I am looking for advice on how bes...
by mister_sparkle
Tue Jun 14, 2016 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: House Sale Proceeds Before Divorce Is Final?
Replies: 7
Views: 1308

Re: House Sale Proceeds Before Divorce Is Final?

Felix, did you have any sort of written agreement regarding the funds?
by mister_sparkle
Mon Jun 13, 2016 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: House Sale Proceeds Before Divorce Is Final?
Replies: 7
Views: 1308

House Sale Proceeds Before Divorce Is Final?

My wife and I are in the process of divorcing, and also in the process of selling our primary residence, which we both own jointly. The house sale is going to happen before the divorce is finalized. We are not splitting the proceeds evenly (she is getting a larger %) but I want to have the proceeds ...
by mister_sparkle
Mon May 30, 2016 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: How persnickety are you with your rebalance bands?
Replies: 39
Views: 3466

Re: How persnickety are you with your rebalance bands?

Do you reinvest your dividends or take them in cash? That may be a way of truing up your AA.
by mister_sparkle
Fri May 27, 2016 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: How to respond to contractor's demands?
Replies: 17
Views: 3082

Re: How to respond to contractor's demands?

Thanks for the replies. I estimated one day of work, but that was going to involve plumbing, electrical, concrete, and woodworkers all coming out, so the amount that we owe as of today is less than $2K, which was my point. In any event, the buyer's inspection today revealed major leaking from the ro...
by mister_sparkle
Fri May 27, 2016 11:13 am
Forum: Personal Finance (Not Investing)
Topic: How to respond to contractor's demands?
Replies: 17
Views: 3082

Re: How to respond to contractor's demands?

Our buyer said that he didn't talk to the contractor, but that he had asked one of the contractor's plumbers to do an inspection of the plumbing on the house, so no doubt the plumber reported back to his boss. As a result of today's inspection, the buyer wants us to have the contractor come out to f...
by mister_sparkle
Fri May 27, 2016 10:05 am
Forum: Personal Finance (Not Investing)
Topic: How to respond to contractor's demands?
Replies: 17
Views: 3082

How to respond to contractor's demands?

Background: My wife and I bought a house and had it gut-rehabbed in 2011. We were pleased with the quality of the work done and especially the individual person who was the hands-on project lead. In 2014, we replaced our old garage with a 2-car garage with a deck on top. This time, we used the compa...
by mister_sparkle
Tue Apr 05, 2016 12:55 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2277
Views: 665196

Re: What Book Are You Currently Reading? Part VI

I just finished Trouble Boys by Bob Mehr. Very thorough, and at times incredibly frustrating and depressing, biography of the band the Replacements. Highly recommended if you're at all a fan of the band or Paul Westerberg.
by mister_sparkle
Wed Mar 30, 2016 10:14 am
Forum: Investing - Help with Personal Investments
Topic: leaving vanguard due to math errors / poor customer service?
Replies: 107
Views: 14052

Re: leaving vanguard due to math errors / poor customer service?

I had a somewhat odd thing happen with my Vanguard online access. It wasn't recognizing my correct password, so after 2 logon attempts, it made me provide my full info (name, last 4 of SSN, ZIP code) then said it couldn't locate my account and that I needed to call to have access restored. The rep I...
by mister_sparkle
Mon Mar 21, 2016 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Strength of Pension Plan
Replies: 6
Views: 894

Re: Strength of Pension Plan

I believe your employer should be providing an audited update of plan information, including funding %, once a year.
by mister_sparkle
Fri Feb 19, 2016 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Should I bother itemizing tax deductions?
Replies: 70
Views: 8786

Re: Should I bother itemizing tax deductions?

I passed up an opportunity to get a deduction for medical expenses from 2015, for the simple reason that I just didn't feel like going back to every single doctor's visit receipt and add everything up. I got LASIK surgery last year, which pushed our out of pocket expenses, including premiums, to pas...
by mister_sparkle
Wed Feb 17, 2016 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: $100M Campaign Teaches Consumers About Saving for Retirement
Replies: 8
Views: 1191

Re: $100M Campaign Teaches Consumers About Saving for Retirement

Wow, those fees are insane.

But, any time you see an advertising blitz like Voya is doing, you know the money has to come from somewhere...i.e. their clients' pockets.
by mister_sparkle
Thu Feb 11, 2016 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: What is your decline in Net Worth as of today?
Replies: 96
Views: 11821

Re: What is your decline in Net Worth as of today?

A few months ago, we (briefly) joined the 2 comma club.

As of tonight, we're below $900K, so over 10% in just a short while.
by mister_sparkle
Thu Feb 11, 2016 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Website Having Issues
Replies: 16
Views: 1581

Re: Vanguard Website Having Issues

Somebody attempted to access my account twice overnight, once around 3:05am and again at 6:35am, so not happy that I'm unable to change my password right now. :?
by mister_sparkle
Tue Feb 09, 2016 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding Schedule C Prior Year Depreciation Calculations
Replies: 5
Views: 517

Re: Understanding Schedule C Prior Year Depreciation Calculations

Thanks for all the answers.

I managed to mostly recreate the prior year depreciation figures here:

http://www.free-online-calculator-use.c ... lator.html
by mister_sparkle
Mon Feb 08, 2016 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding Schedule C Prior Year Depreciation Calculations
Replies: 5
Views: 517

Understanding Schedule C Prior Year Depreciation Calculations

I am working on my 2015 taxes right now, and I'm trying to figure out how to answer the TurboTax questions about depreciation on a computer that was put into service in 2013. Here is the "asset report" that our accountant filed with our 2013 taxes. From what I can tell, he's using the Doub...
by mister_sparkle
Fri Feb 05, 2016 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Small Business Treatment of Inventory for Tax Purposes
Replies: 1
Views: 235

Small Business Treatment of Inventory for Tax Purposes

I have a very small side business that I started a few years ago. Without getting into a lot of detail, it involves buying, say, widgets, at wholesale cost and reselling them to individual customers via mail. 2014 was the first year where I bought widgets and resold them. Our tax preparer included t...
by mister_sparkle
Wed Feb 03, 2016 12:42 pm
Forum: Personal Consumer Issues
Topic: Am I Over Insuring My House?
Replies: 17
Views: 2219

Re: Am I Over Insuring My House?

Contents are 70% of the dwelling and I know we don't have more than $300K worth of those.
by mister_sparkle
Wed Feb 03, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: Am I Over Insuring My House?
Replies: 17
Views: 2219

Re: Am I Over Insuring My House?

The price/sq. foot for replacement cost on my co-worker's appraisal from yesterday was $165, so for a 2000 sq. ft. house that's $330,000, which seems low to me. I'm sure it's all area-specific, but both houses are in Chicago, so I wouldn't think there would be a lot of variation.
by mister_sparkle
Wed Feb 03, 2016 12:15 pm
Forum: Personal Consumer Issues
Topic: Am I Over Insuring My House?
Replies: 17
Views: 2219

Am I Over Insuring My House?

A co-worker of mine recently entered into a contract to buy a house, and he and I were discussing how much insurance he should buy. During our discussions, he showed me the appraisal for the house, which was split $200K for the land and around $350K for the dwelling, which is close to his purchase p...
by mister_sparkle
Wed Feb 03, 2016 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Help - Letter of Indemnification
Replies: 9
Views: 1315

Re: Help - Letter of Indemnification

EJ is just trying to protect themselves from being sued. This is standard "CYA" language that they require in order to provide their medallion stamp. I would sign it.
by mister_sparkle
Tue Feb 02, 2016 1:07 pm
Forum: Personal Consumer Issues
Topic: Advice about a stop in Chicago
Replies: 52
Views: 4996

Re: Advice about a stop in Chicago

That area is very safe, for the most part, but there have been tons of muggings in that general area / a little north taking place later in the evening, especially after bars close at 2am. Belmont and Sheffield is ground zero for the occasional mayhem late at night, just a word of caution. I second ...
by mister_sparkle
Sun Jan 24, 2016 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Metlife life insurance statement -- can I shred?
Replies: 1
Views: 283

Metlife life insurance statement -- can I shred?

I have life insurance for myself and DW through my job, and for the first time ever I received "Flexible Premium Life Statement of Values" for both our policies. These show the death benefit as well as "Total Current Cost Basis." There is a $0 "Net Cash Surrender Value"...
by mister_sparkle
Fri Jan 22, 2016 10:11 am
Forum: Investing - Help with Personal Investments
Topic: who is buying or selling ??
Replies: 27
Views: 2426

Re: who is buying or selling ??

I sold bonds yesterday and bought mostly U.S. and some Int'l. Essentially used up some "kindling" on the sidelines.
by mister_sparkle
Wed Jan 20, 2016 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Market down - lost alot of $ - nervous..
Replies: 60
Views: 7985

Re: Market down - lost alot of $ - nervous..

What's your time horizon?

If you sell now, you'll be locking in losses. If you can afford to wait it out, I suggest doing that. I sense a lot of panic/momentum selling going on.
by mister_sparkle
Wed Jan 20, 2016 10:39 am
Forum: Investing - Theory, News & General
Topic: Capitulation!
Replies: 61
Views: 8200

Re: Capitulation!

I'm not retiring tomorrow.

I'm not retiring next month.

I'm not retiring next year.

I'm not retiring for at least 10 years.

Not worried. :sharebeer
by mister_sparkle
Tue Jan 19, 2016 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting
Replies: 15
Views: 1025

Re: Tax Loss Harvesting

If you have previously sold shares in your taxable VTIAX account, you will not be able to have your existing shares be Spec ID, but only those you purchase going forward -- this is because Vanguard would not have any way of knowing what specific shares the previous sale(s) was/were for. So all your ...
by mister_sparkle
Wed Jan 13, 2016 3:49 pm
Forum: Investing - Theory, News & General
Topic: are we headed for a huge crash?
Replies: 24
Views: 3054

Re: are we headed for a huge crash?

No.

Stay the course. :sharebeer
by mister_sparkle
Tue Jan 12, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: Winter running gear suggestions
Replies: 31
Views: 2121

Re: Winter running gear suggestions

On Sunday, I was running in 12 degree temps with wind chill around 0.

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