Search found 3418 matches

by rkhusky
Fri Feb 24, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 162
Views: 12059

Re: Quicken's future direction - a cause for concern

I am giving gnucash a try and have imported and structured everything fine, but am having trouble with the reports. When I try a report, with what seems like sensible options in terms of accounts and filters, the results are gibberish. Are there directions someplace for creating Quicken-like report...
by rkhusky
Fri Feb 24, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Asset Allocation - is this valid thinking?
Replies: 53
Views: 2064

Re: 529 Asset Allocation - is this valid thinking?

I don't see the current asset allocation for the Growth Portfolio in that document. But even if it was, I would consider that hiding. I expected to be able to find the info here: https://personal.vanguard.com/us/funds/snapshot?FundId=4510&FundIntExt=INT. For example, like this info for TR 2045:...
by rkhusky
Fri Feb 24, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Banks with 2 factor authentication?
Replies: 17
Views: 1022

Re: Banks with 2 factor authentication?

Ally emails security code when you login from an unknown PC. But not from a known PC, at least not frequently, no matter how many times you ask Ally to challenge you every time. Automatically delete cookies when you quit your browser. I do that and one site that says that it will recognize my compu...
by rkhusky
Thu Feb 23, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 162
Views: 12059

Re: Quicken's future direction - a cause for concern

I recommend them to all. Double entry accounting has been a great experience for me. My investments' prices are automatically fetched at 4:30PM EST every day and added to my gnucash file, so it handles investments too. No complaints. I do use a spreadsheet too for rebalancing and portfolio manageme...
by rkhusky
Thu Feb 23, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Asset Allocation - is this valid thinking?
Replies: 53
Views: 2064

Re: 529 Asset Allocation - is this valid thinking?

With this attitude the balance cannot be much so I want to benefit from the highest upside. While you may want the highest upside, the market may give you the downside. I think it's okay to start off with 100/0 in the first few years of a 529, but, unless you have plenty of money otherwise, I would...
by rkhusky
Thu Feb 23, 2017 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Non-Deductible tIRA contribution limit
Replies: 7
Views: 364

Re: Non-Deductible tIRA contribution limit

I note that it is often more beneficial to invest in a taxable account than to invest in a non-deductible tIRA, unless you immediately convert the tIRA to a Roth. See https://www.bogleheads.org/wiki/Non-ded ... tional_IRA
by rkhusky
Wed Feb 22, 2017 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: TRF vs Index Funds: My fork in the road
Replies: 2
Views: 267

Re: Single Target Retirement Fund vs Multiple Index Funds

What's the point of the non-TR funds in the 401K? You are duplicating stocks already in the TR fund. If you want to use TR2055 as a base and tilt towards a particular asset, you might add a tilt towards small value, REIT and/or emerging markets, which are common tilts. Or just go with TR2055 for sim...
by rkhusky
Sat Feb 18, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Fund to Investor Shares
Replies: 11
Views: 575

Re: Vanguard Target Retirement Fund to Investor Shares

Perhaps just keep what you have until you have ~$50k, then you could buy Admiral funds of at least $10k each. That is what I would do. +1 If you are going to use the standard 3-fund portfolio, you might as well do this. The difference in expenses is puny until you get some real money in the account...
by rkhusky
Fri Feb 17, 2017 12:14 pm
Forum: Investing - Theory, News & General
Topic: How capital gains are distributed. IE Wellesley vs Total Stock?
Replies: 12
Views: 1080

Re: How capital gains are distributed. IE Wellesley vs Total Stock?

Sandtrap wrote:If so, it might be prudent to take into consideration whether a fund has a corresponding ETF when investing in a Vanguard fund.
True?

Yes, that would be a good indication of lower cap gains, but one can also look at the history of cap gains for the fund.
by rkhusky
Fri Feb 17, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Never-Ending Foreign Tax Credit Problem
Replies: 33
Views: 2389

Re: Never-Ending Foreign Tax Credit Problem

I have a significant chunk of international stock in a tax-deferred account, where one can't claim the FTC and for which we will be double-taxed once we withdraw. I decided I would rather have the higher percent of qualified dividends and lower dividends that US stocks provide in taxable. I also ha...
by rkhusky
Fri Feb 17, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: 529 Asset Allocation - is this valid thinking?
Replies: 53
Views: 2064

Re: 529 Asset Allocation - is this valid thinking?

at only age 10, still 7 to 8 yrs out, i personally think 60/40 is way too conservative - 80/20 until age 15 (I actually keep it at 100 until then) then pair back each year to 529 deposit account the senior year of high school. but I guess that's too aggressive for some. And if the market tanks 2 ye...
by rkhusky
Fri Feb 17, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Never-Ending Foreign Tax Credit Problem
Replies: 33
Views: 2389

Re: Never-Ending Foreign Tax Credit Problem

I have a significant chunk of international stock in a tax-deferred account, where one can't claim the FTC and for which we will be double-taxed once we withdraw. I decided I would rather have the higher percent of qualified dividends and lower dividends that US stocks provide in taxable. I also hav...
by rkhusky
Fri Feb 17, 2017 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Wash sale Traditional IRA and Roth IRA
Replies: 6
Views: 301

Re: Wash sale Traditional IRA and Roth IRA

Suppose I have $100k in a traditional IRA and another $100k in a Roth IRA. On Jan 2 I buy in my traditional IRA $100k in a mutual fund that shorts S and P 500 and buy $100k in a mutual fund that is long in S and P 500 in Roth IRA. Two years later the S and P is up 50% so I sell my traditional IRA p...
by rkhusky
Fri Feb 17, 2017 7:46 am
Forum: Investing - Help with Personal Investments
Topic: 529 Asset Allocation - is this valid thinking?
Replies: 53
Views: 2064

Re: 529 Asset Allocation - is this valid thinking?

With this attitude the balance cannot be much so I want to benefit from the highest upside. While you may want the highest upside, the market may give you the downside. I think it's okay to start off with 100/0 in the first few years of a 529, but, unless you have plenty of money otherwise, I would...
by rkhusky
Thu Feb 16, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Sector Funds
Replies: 6
Views: 358

Re: Sector Funds

I'm thinking of rebalancing towards the finance and banking sector. Is this a bad move? That is an incorrect use of rebalance. Rebalance is when your previously specified asset allocation (AA) has gotten out of balance. What you appear to be asking about is changing your AA to something different b...
by rkhusky
Thu Feb 16, 2017 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Is 30% stock enough to keep up with (or beat) inflation?
Replies: 39
Views: 3086

Re: Is 30% stock enough to keep up with (or beat) inflation?

I wouldn't go below 25%. I'm not retired, but I'm probably financially independent. I doubt I'll ever go below 50% equity, but we'll see. I may feel differently at 60-70, but I suspect I'll just annuitize some money and still keep plenty of equity. I believe that the Government's TSP target date fu...
by rkhusky
Thu Feb 16, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Auto insurance not covering medical even though coverage
Replies: 11
Views: 522

Re: Auto insurance not covering medical even though coverage

I believe the claim for medical issues if the other driver were at fault would be the other driver's liability insurance. Unless you are in a no-fault state. There is also the issue of who is the first payer - your health insurance or your auto insurance. For years, we assumed that our auto insurer...
by rkhusky
Thu Feb 16, 2017 12:08 pm
Forum: Investing - Theory, News & General
Topic: How capital gains are distributed. IE Wellesley vs Total Stock?
Replies: 12
Views: 1080

Re: How capital gains are distributed. IE Wellesley vs Total Stock?

Also involved is the fact that Vanguard uses its combination of mutual funds and ETF's to reduce capital gains. So, funds with associated ETF's will see fewer cap gains. See: https://www.bogleheads.org/wiki/ETFs_vs ... uard_funds
by rkhusky
Mon Feb 13, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: Is Guam in Ohio? [Tax-exempt bond fund holding]
Replies: 37
Views: 2950

Re: Is Guam in Ohio? [Tax-exempt bond fund holding]

Probably not for a state-specific muni fund; that's the whole point of having such a fund. Just because Vanguard (or some other company) puts together a state-specific muni fund doesn't apparently require the state to agree that the fund's dividends are state tax exempt. Or should we assume that Va...
by rkhusky
Sun Feb 12, 2017 9:02 pm
Forum: Investing - Theory, News & General
Topic: Is Guam in Ohio? [Tax-exempt bond fund holding]
Replies: 37
Views: 2950

Re: Is Guam in Ohio? [Tax-exempt bond fund holding]

The subtlety here is that while CA cannot tax the interest from any Guam bonds that my Mom may own, she does not actually own any Guam bonds. She owns shares in a mutual fund (aka "registered investment company"), and it is not so clear that this tax-exemption extends when income is distr...
by rkhusky
Sun Feb 12, 2017 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Do some serious TLH in FEB? [Tax Loss Harvesting in February]
Replies: 11
Views: 496

Re: Do some serious TLH in FEB?

What tax rate will you pay on the gains? If you realize the losses without having the gains, what would be the tax rate that you would save on the losses?
by rkhusky
Sun Feb 12, 2017 9:10 am
Forum: Investing - Theory, News & General
Topic: Is a total market fund the most diversified
Replies: 157
Views: 13322

Re: Is a total market fund the most diversified

For me, diversification is about reducing the risk if something bad happens. As a form of insurance, when you reduce the potential downside, you also diminish the potential upside. But I prefer discussion of tangible risks, not academic risk factors. For example, I own a lot of stocks, so that I red...
by rkhusky
Fri Feb 10, 2017 9:27 pm
Forum: Investing - Theory, News & General
Topic: Is Guam in Ohio? [Tax-exempt bond fund holding]
Replies: 37
Views: 2950

Re: Is Guam in Ohio? [Tax-exempt bond fund holding]

I'll take the preceding two posts as evidence that I should be adding the territory percentages for my non-state-specific muni funds to the percentage from my state. I know it will only save me less than a dollar in state taxes, but I still like to be accurate.
by rkhusky
Fri Feb 10, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question...Confusion about form 8949 (easily confused about taxes)
Replies: 10
Views: 730

Re: Tax Question...Confusion about form 8949 (easily confused about taxes)

If you told Vanguard to use average cost basis and Vanguard provided the average cost basis, you are good to go. You can calculate the average cost basis yourself for fun if you wish.
by rkhusky
Fri Feb 10, 2017 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Applying Tax-Efficient Fund Placement when there is plenty of Roth and Tax-Deferred room.
Replies: 8
Views: 480

Re: Applying Tax-Efficient Fund Placement when there is plenty of Roth and Tax-Deferred room.

If you are making $300K+ you better be maxing out your tax advantages spaces and investing in taxable too.
by rkhusky
Fri Feb 10, 2017 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale? Sold VTI / Bought Target 2040
Replies: 5
Views: 575

Re: Wash sale? Sold VTI / Bought Target 2040

Maybe many people debate this but the IRS is very specific and lists accounts for which wash sales are relevant and these include taxable accounts and IRA's. There is no mention of 401k accounts and so most do not consider 401k as triggering wash sales until the IRS specifically says so. I don't kn...
by rkhusky
Fri Feb 10, 2017 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale? Sold VTI / Bought Target 2040
Replies: 5
Views: 575

Re: Wash sale? Sold VTI / Bought Target 2040

No. However, if you had bought separate lots of Total Stock Market, Total International, etc in the exact proportion as Target 2040, there would be a wash sale.
by rkhusky
Fri Feb 10, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Overpaid SS taxes
Replies: 12
Views: 868

Re: Overpaid SS taxes

Do excess SS payments go to the IRS and are therefore not added to your SS record?
by rkhusky
Fri Feb 10, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: Is Guam in Ohio? [Tax-exempt bond fund holding]
Replies: 37
Views: 2950

Re: Is Guam in Ohio?

Does that mean that I should be adding the percentages (listed here: http://www.vanguard.com/pdf/INBST_012017.pdf) from the territories to my state percentage for Intermediate Tax Exempt?
by rkhusky
Fri Feb 10, 2017 10:04 am
Forum: Investing - Help with Personal Investments
Topic: How much Wellesley (VWINX) is qualified Dividends
Replies: 11
Views: 1193

Re: How much Wellesley (VWINX) is qualified Dividends

Any other funds that would fit in these modest requirements? Wellesley is 40% stocks. Tax Managed Balanced is 50% stocks and uses tax exempt bonds. That might be the solution to these requirements. As others pointed out, it is the bonds and not the unqualified dividends that are the issue. +1 Vangu...
by rkhusky
Fri Feb 10, 2017 9:56 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 251
Views: 9111

Re: Your USER NAME...what does it mean?

Initials + college mascot
by rkhusky
Thu Feb 09, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Applying Tax-Efficient Fund Placement when there is plenty of Roth and Tax-Deferred room.
Replies: 8
Views: 480

Re: Applying Tax-Efficient Fund Placement when there is plenty of Roth and Tax-Deferred room.

I would go with Total US and/or Total Int'l stocks and tax-exempt bonds in taxable. Most taxable bonds in 401K, some taxable bonds in Roth. If you split out Small Value or Emerging stocks, put those into Roth. I don't oversample REIT's, so don't know if Roth or Traditional is better, but definitely ...
by rkhusky
Thu Feb 09, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Traditional vs Roth IRA for High income earners dilemma
Replies: 8
Views: 1374

Re: Traditional vs Roth IRA for High income earners dilemma

A Roth IRA is always better than a Traditional IRA that you can't deduct. There may be situations where a non-deductible IRA is better than taxable, but one should do the analysis first: https://www.bogleheads.org/wiki/Non-deductible_traditional_IRA But first you should plan on maxing out any Tradit...
by rkhusky
Wed Feb 08, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: how to determine state tax rate?
Replies: 11
Views: 534

Re: how to determine state tax rate?

Google <<your state name>> tax forms or <<your state name>> 1040 thanks, I found a map and hovered over state ohio which gave 2.85% is this considered state tax rate? I appreciate your feedback. irish Sounds like a state rate. Since the US has a graduated tax structure, you likely have multiple rat...
by rkhusky
Wed Feb 08, 2017 7:33 pm
Forum: Investing - Theory, News & General
Topic: How steep should the glide path be?
Replies: 54
Views: 4007

Re: How steep should the glide path be?

When considering my glide path, my operating principal is that the stock market can lose 50% and not come back for 20 years. Knocked-down 50 percent and held there for 20 years? That's scary. Anything is possible but has such a thing ever happened in modern US markets? (Back to the 1920s.) Or down ...
by rkhusky
Wed Feb 08, 2017 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: how to determine state tax rate?
Replies: 11
Views: 534

Re: how to determine state tax rate?

Google <<your state name>> tax forms or <<your state name>> 1040
by rkhusky
Wed Feb 08, 2017 2:14 pm
Forum: Investing - Theory, News & General
Topic: Costs of the TSP? is it self-sustained?
Replies: 33
Views: 3097

Re: Costs of the TSP? is it self-sustained?

TimeRunner wrote:... and mandatory Roth RMDs from TSP suck too.

There are RMD's for Roth 401K's too.
by rkhusky
Tue Feb 07, 2017 10:31 am
Forum: Investing - Theory, News & General
Topic: How steep should the glide path be?
Replies: 54
Views: 4007

Re: How steep should the glide path be?

When considering my glide path, my operating principal is that the stock market can lose 50% and not come back for 20 years.
by rkhusky
Tue Feb 07, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: How bad is FTSE ex-US small cap in taxable?
Replies: 26
Views: 1875

Re: How bad is FTSE ex-US small cap in taxable?

I have been holding Vanguard's FTSE All-World ex-US Small Cap (VFSVX) in my Roth, but as of this year my MAGI is now too high to contribute anything to a Roth. Do you have a large Traditional IRA that is preventing you from using the two-step Backdoor Roth procedure? VFSVX had about 2.8% dividend y...
by rkhusky
Tue Feb 07, 2017 8:06 am
Forum: Investing - Theory, News & General
Topic: How steep should the glide path be?
Replies: 54
Views: 4007

Re: How steep should the glide path be?

I don't understand the logic behind Vanguard's target retirement (and similar funds) that start many many years ahead and use a shallow glide path, and then steepen it near the end. Does this really help reduce the risk, and is it worth the loss of return? Having more stocks does not guarantee high...
by rkhusky
Tue Feb 07, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: No New Vanguard Mutual-Fund-Only IRAs?
Replies: 14
Views: 1674

Re: No New Vanguard Mutual-Fund-Only IRAs?

I don't like how they list transactions for the brokerage accounts, which is different than the mutual fund accounts. The minus signs seem to be in the wrong place.
by rkhusky
Mon Feb 06, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: Microsoft requires cell number
Replies: 36
Views: 2349

Re: Microsoft requires cell number

Microsoft Office Support has a phone number of 1-877-696-7786 that you can call and talk to a person that should be able to help you. I called this number and was quickly connected with Microsoft technical help. The support person walked me through the process of signing in and reached the same blo...
by rkhusky
Mon Feb 06, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: is it ok to ask about recommendations regarding index funds?
Replies: 20
Views: 1098

Re: is it ok to ask about recommendations regarding index funds?

For someone starting out, I recommend the Fidelity Freedom Index funds. Let Fidelity handle all the portfolio maintenance. Just make sure you get the ones with Index in the name. To start with, just pick the one with the year that you want to retire in the name. After you've done some reading about ...
by rkhusky
Mon Feb 06, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Are there really "Tax Brackets" and does it really matter if I get bumped up into the next one?
Replies: 87
Views: 7434

Re: Are there really "Tax Brackets" and does it really matter if I get bumped up into the next one?

I may be misunderstanding the capital tax rates on the income brackets, but I thought it was a threshold issue, not a marginal increase. And I thought other taxes were also work this way, where if you go over a certain amount, it's all or none, and not phased in. There may be some credits that are ...
by rkhusky
Mon Feb 06, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Are there really "Tax Brackets" and does it really matter if I get bumped up into the next one?
Replies: 87
Views: 7434

Re: Are there really "Tax Brackets" and does it really matter if I get bumped up into the next one?

That assumption might be tenable if one had to make a one-time, irrevocable choice regarding traditional vs. Roth for an entire career. Fortunately, that's not the way the real world works. In the real world, you get to choose between those options for each new contribution. Each new choice should ...
by rkhusky
Mon Feb 06, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Are there really "Tax Brackets" and does it really matter if I get bumped up into the next one?
Replies: 87
Views: 7434

Re: Are there really "Tax Brackets" and does it really matter if I get bumped up into the next one?

Married: If your taxable income is: --------- The Tax is: Not more than $18,650 --------- 10% of taxable income Over 18,650 but not more than $75,900 ------> $1,865.00 + 15% of excess over $18,650 Over 75,900 but not more than $153,100 -----> $10,452.50 + 25% of excess over $75,900 Over 153100 but ...
by rkhusky
Mon Feb 06, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: Microsoft requires cell number
Replies: 36
Views: 2349

Re: Microsoft requires cell number

Google Voice numbers can receive text messages. I tried that but Google wouldn't accept my landline as a forwarding phone number. Others have gotten around this by putting in their cell number first and then switching to their landline, which requires having a cell number in the first place. And th...
by rkhusky
Mon Feb 06, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Microsoft requires cell number
Replies: 36
Views: 2349

Re: Microsoft requires cell number

....you are then asked for your cell number, to which they can text another code. Here's something you might try; it's from Microsoft's support site and part of a Q&A on security. Perhaps there's a place on the form you can signal that you want to call for your security code. I can't get text m...
by rkhusky
Sat Feb 04, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: Microsoft requires cell number
Replies: 36
Views: 2349

Re: Microsoft requires cell number

Microsoft Office Support has a phone number of 1-877-696-7786 that you can call and talk to a person that should be able to help you. My son had preordered an xbox one game that I needed to cancel the order. I called the above number thinking they were the ones who could help me cancel. The said th...
by rkhusky
Sat Feb 04, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: Microsoft requires cell number
Replies: 36
Views: 2349

Re: Microsoft requires cell number

Tried to sign up for Google Voice, but it apparently doesn't like my land line as a forwarding destination. Not very sure if this will work- did you try to transfer your land line number to google voice or try to get a separate google voice number? I did this but there is an intermediate step of ju...

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