Search found 365 matches

by nalor511
Wed Apr 24, 2019 5:13 pm
Forum: Personal Investments
Topic: Treasury funds in an HSA in California
Replies: 21
Views: 522

Re: Treasury funds in an HSA in California

Agreed, for me it wasn't the dollar amounts, just the having to keep track at all. At this age I guess my brain is full :D Exactly how I feel. I already have too much complexity in my life. So even though this new thing is "no big deal," it still feels like a move in the wrong direction! The Fideli...
by nalor511
Wed Apr 24, 2019 4:36 pm
Forum: Personal Investments
Topic: Treasury funds in an HSA in California
Replies: 21
Views: 522

Re: Treasury funds in an HSA in California

MotoTrojan wrote:
Wed Apr 24, 2019 4:32 pm

Understood. I won’t be selling at all (and won’t be in CA forever) so just adding up 4 dividend distributions is pretty low impact.
Agreed, for me it wasn't the dollar amounts, just the having to keep track at all. At this age I guess my brain is full :D
by nalor511
Wed Apr 24, 2019 4:35 pm
Forum: Personal Investments
Topic: Treasury funds in an HSA in California
Replies: 21
Views: 522

Re: Treasury funds in an HSA in California

I can appreciate wanting to keep things simple, but if you're investing in treasury bond FUNDS, you're still going to have to keep track of the gains (or losses). If you're buying your treasuries at auction and holding them until maturity, what are you going to do with the dividends? Are you contri...
by nalor511
Wed Apr 24, 2019 3:59 pm
Forum: Personal Investments
Topic: Treasury funds in an HSA in California
Replies: 21
Views: 522

Re: Treasury funds in an HSA in California

I hold S&P500 in my HSA in CA but bonds are not part of my core AA. I really really really don't want to track dividends and capital gains for CA to tax inside my HSA, because unlike a regular taxable account, the broker isn't responsible for (and doesn't) reporting any of that. I took mervin's sug...
by nalor511
Sat Apr 20, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: USPS In transit Arriving Late
Replies: 27
Views: 1579

Re: USPS In transit Arriving Late

First-class and even Priority *do not* have guaranteed dates. Only Express has guaranteed dates (I've collected on it once when they missed the date).

Priority has "2-day" or "3-day" printed on the label, but this is *not* guaranteed.
by nalor511
Thu Apr 18, 2019 3:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Treasury auctions: funding sources?
Replies: 5
Views: 599

Re: Vanguard Treasury auctions: funding sources?

When placing an order at Vanguard to participate in a new Treasury auction, is it necessary to have funds available in one's settlement account, or can the order pull directly from Prime Money Market (VMMXX)? Thanks! I wasn't able to to an 'exchange' to sell VMMXX and buy Treasuries, but you could ...
by nalor511
Mon Apr 15, 2019 4:11 am
Forum: Personal Finance (Not Investing)
Topic: Please help, foreign tax credit
Replies: 24
Views: 1135

Re: Please help, foreign tax credit

Ok so when I finished my taxes on TT online after paying, I could view all the forms including 1116 before submitting. As mentioned in my original post, my credit was only a fraction of what I paid in foreign tax and what I expected to see was a line showing the carry over amount for future use, bu...
by nalor511
Sun Apr 14, 2019 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Please help, foreign tax credit
Replies: 24
Views: 1135

Re: Please help, foreign tax credit

jebmke wrote:
Sun Apr 14, 2019 4:52 pm
nalor511 wrote:
Sun Apr 14, 2019 4:50 pm
Definitely use the download certain, for form view alone it's worth the $18 price of HR block on sale. Search Slickdeals. If you just want to compare fed, and don't need state, you can probably find $11
I would never use a product that didn't allow me to see the entire return.
Me either
by nalor511
Sun Apr 14, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Please help, foreign tax credit
Replies: 24
Views: 1135

Re: Please help, foreign tax credit

You don't need a CD drive, you can download version.
by nalor511
Sun Apr 14, 2019 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Please help, foreign tax credit
Replies: 24
Views: 1135

Re: Please help, foreign tax credit

Definitely use the download version, for form view alone it's worth the $18 price of HR block on sale. Search Slickdeals. If you just want to compare fed, and don't need state, you can probably find $11
by nalor511
Sun Apr 14, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Please help, foreign tax credit
Replies: 24
Views: 1135

Re: Please help, foreign tax credit

Thanks for the reply. We've paid high five figures in fed taxes, same as other years, so I don't think a pro rata thing is the issue. Guess we better figure out how to see the forms quick! Thanks again. It's not about the Fed tax you pay, it's about what the Fed thinks you *would* have paid on your...
by nalor511
Thu Apr 11, 2019 3:27 pm
Forum: Personal Consumer Issues
Topic: Contact lens solution
Replies: 20
Views: 1183

Re: Contact lens solution

She said "it's irritating". TBT I do have issues wearing them for a long day, but I thought that was normal. I'll try the free sample she gave me of the Biotrue and the Kirkland brand, too. Current brand I've used is Renu. Renu did indeed irritate my skin, and Biotrue is supposed to be great but ir...
by nalor511
Wed Apr 10, 2019 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Trouble amending 2018 tax return!!
Replies: 2
Views: 332

Re: Trouble amending 2018 tax return!!

Hello, I am trying to amend my 2018 tax return....... I did it on Tax act....... but I cannot see my 2018 return!! It shows that it was filed, and the money was taken from my account yesterday. Any ideas on how to access it? I can see my 2017 return!! Tide out You can only amend via paper, so I'm n...
by nalor511
Wed Apr 10, 2019 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Roth IRA Mixup
Replies: 6
Views: 468

Re: 2018 Roth IRA Mixup

Contributions are one time only per account. I encountered the same thing at Vanguard. You can (VG told me to) create a new account and do a contribution for that same year. Then you can (if you need to) move it over to your existing account and close the "new" account. It's a workaround they'd offe...
by nalor511
Wed Apr 10, 2019 3:27 pm
Forum: Personal Consumer Issues
Topic: Contact lens solution
Replies: 20
Views: 1183

Re: Contact lens solution

My optometrist told me last week that the contact lens solution I use is "irritating" and "not her favorite". Her suggestions we're both more expensive than the one I use. Any suggestions from forum members? The Costco Kirkland multipurpose that comes with 3 bottles per box is a great value, and we...
by nalor511
Tue Apr 09, 2019 4:46 pm
Forum: Investing - Theory, News & General
Topic: Navy FCU 40 month 3.75% IRA/ESA Cert
Replies: 15
Views: 1762

Re: NFCU 40 month 3.75% IRA/ESA Cert

I don't understand why they'd give a promo rate to one type of money (IRA) but not another (non-IRA). As far as they're concerned, money is fungible. Unless they don't like sending out 1099-int, and IRA is non-taxable? Sigh.
by nalor511
Tue Apr 09, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Limitations on foreign tax credit
Replies: 6
Views: 467

Re: Limitations on foreign tax credit

I suggest that you might have filled out the FTC Form 1116 incorrectly. It can be tricky and the HRBlock Deluxe download tax prep software takes some experience getting that form filled out correctly. So if you are limited, it means you are probably not paying any US taxes anyways, right? If you ar...
by nalor511
Mon Apr 08, 2019 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: FYI H&R Block Deluxe & Foreign Tax Credit Form 1116
Replies: 20
Views: 4043

Re: FYI H&R Block Deluxe & Foreign Tax Credit Form 1116

Did your foreign tax credit go over the limit ($600 for MFJ) starting 2016? That is when you may have to file Form 1116. Otherwise, the credit is just reported in Form 1040. Good point. I checked and yes: 2016 was the year it went over $600. I wish the software had told me form 1116 was needed sinc...
by nalor511
Sun Apr 07, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: Eye glasses - cheaper alternates
Replies: 45
Views: 2924

Re: Eye glasses - cheaper alternates

Eyebuydirect has good customer service, and a full 12mo warranty on lens/frame, and a 14-day full refund policy. Zenni will only ever at best give you 50% of your money back if they make a mistake. I've had problems with glasses both places, I now buy my glasses at EBD. Sign up for their email coupo...
by nalor511
Fri Apr 05, 2019 3:40 am
Forum: Personal Consumer Issues
Topic: What happens if I put more than 30 bills into ATM?
Replies: 21
Views: 2584

Re: What happens if I put more than 30 bills into ATM?

I made a mistake once, deposited more than I stated, and they corrected it after counting. I think they do ATM deposits under camera, I'm not sure there is much room for errors on the counting end.
by nalor511
Fri Apr 05, 2019 3:38 am
Forum: Personal Finance (Not Investing)
Topic: URGENT! Expat taxes: California state taxes, driver's license renewal, foreign tax credit,
Replies: 27
Views: 1030

Re: URGENT! Expat taxes: California state taxes, driver's license renewal, foreign tax credit,

FEDERAL TAXES 4) How does one use form F1116, Foreign Tax Credit? If I earned ~$130,000 in the UK, on which I paid UK taxes, and I was able to take ~$100,000 off as foreign income exclusion, how do I treat the remaining $30K? Can I claim back the UK taxes that I paid somehow? Yes, you can claim a c...
by nalor511
Tue Apr 02, 2019 4:12 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 118
Views: 4607

Re: Scam alert - USPS new feature playing a role

Agree that the Informed Delivery connection seems to be unfounded. And it is not new, started 2 years ago yesterday. All I know is what the bank employee told me. She seemed to be quite concerned about the info they could use. Besides bank statements, I suppose they could figure out what health ins...
by nalor511
Tue Mar 26, 2019 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Uploading attachment to e-file in HRB
Replies: 6
Views: 274

Re: Uploading attachment to e-file in HRB

I finally figured out my snafus with filing nonresident return and claiming credit on resident state return. See https://www.bogleheads.org/forum/viewtopic.php?f=2&t=276679 My question is: Has anyone successfully attached a file during e-filing using HRB Deluxe download software? Resident state nee...
by nalor511
Mon Mar 25, 2019 10:57 pm
Forum: Investing - Theory, News & General
Topic: Utah First Credit Union 3.5% 5 yr CD
Replies: 13
Views: 1304

Re: Utah First Credit Union 3.5% 5 yr CD

I opened a non-ira 5 year cd with utah first. After the cd is already opened they send you the disclosures. The ewp is 180 days but you can only do an early withdrawal if they consent to it. Also interest is credited quarterly, and accrued but not yet credited interest is forfeited in case of early...
by nalor511
Sat Mar 23, 2019 3:40 am
Forum: Personal Finance (Not Investing)
Topic: HR Block question
Replies: 16
Views: 1174

Re: HR Block question

Print it out and send in your AZ return including the forms you need on paper
by nalor511
Fri Mar 22, 2019 6:46 pm
Forum: Personal Investments
Topic: Get Longer Term CDs now?
Replies: 16
Views: 1735

Re: Get Longer Term CDs now?

Would love a 4% CD right now.
by nalor511
Fri Mar 22, 2019 5:40 pm
Forum: Personal Investments
Topic: VXUS now lower cost than VTIAX. Should I convert?
Replies: 28
Views: 2652

Re: VXUS now lower cost than VTIAX. Should I convert?

There’s always so much FUD in threads concerning ETFs. If you want to, go ahead and convert. You can continue to buy the mutual fund and convert on some regular schedule. It really doesn’t matter at all. What is FUD? Fear, Uncertainty, Dread. I think it's actually Fear Uncertainty Doubt, the implic...
by nalor511
Tue Mar 19, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: Need glasses lenses replaced. Where should I go to get this done?
Replies: 7
Views: 447

Re: Need glasses lenses replaced. Where should I go to get this done?

Lensabl is a web service that will replace lenses in any frames for a reasonable price, and you'll pay about 25% as much as you would with an optometrist. If you're willing to buy new frames with the new lenses, using someone like Eyebuydirect you'll probably pay less than half that again, and get a...
by nalor511
Sat Mar 16, 2019 3:53 pm
Forum: Personal Consumer Issues
Topic: zenni customers: upgraded coatings or blokz lenses worth it?
Replies: 20
Views: 1631

Re: zenni customers: upgraded coatings or blokz lenses worth it?

I want to add, in addition to the hydro vs oleo, I've also personally upgraded to the 1.60 index EBD (eyebuydirect) Blue Plus lenses, that are made from MR material (less prone to cracking than 1.5 or 1.57, and better clarity than 1.59 Poly). These are the ones that block blue light. You can add me ...
by nalor511
Fri Mar 15, 2019 6:24 pm
Forum: Personal Consumer Issues
Topic: zenni customers: upgraded coatings or blokz lenses worth it?
Replies: 20
Views: 1631

Re: zenni customers: upgraded coatings or blokz lenses worth it?

Just as an aside, I've had much better experience with eyebuydirect than with zenni, both in terms of quality, and the improved 12mo warranty. Zenni only gives you (at best) half your money back if there's an issue. More to the original question, hydrophobic I definitely saw an improvement, but oleo...
by nalor511
Fri Mar 15, 2019 12:22 am
Forum: Investing - Theory, News & General
Topic: 90 day waiting period for Vanguard Flagship
Replies: 37
Views: 3867

Re: 90 day waiting period for Vanguard Flagship

I don't know what Flagship benefit anyone would get much use out of these days. I looked at the list, nothing I care about.
by nalor511
Sat Mar 02, 2019 8:55 pm
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 92
Views: 8816

Re: Sellers beware on eBay.

This was all covered in the ebay user agreement. You read that thing cover to cover, right? :D https://www.ebay.com/help/policies/member-behaviour-policies/user-agreement?id=4259 11. Holds To protect eBay from risk of liability for your actions as a seller, eBay has at times recommended, and may co...
by nalor511
Thu Feb 28, 2019 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: If I contribute after tax 2018 dollars to fund my IRA and HSA will it reduce my 2018's tax 1040 AGI for IRA and HSA?
Replies: 13
Views: 379

Re: If I contribute after tax 2018 dollars to fund my IRA and HSA will it reduce my 2018's tax 1040 AGI for IRA and HSA?

I have 2018 W2 from 2018 (retired 12/31/2017) from 2 week payroll lag This may allow you to deduct/contribute, I don't know all the ins and outs of how this is calculated. Do some reading of the IRS publications about earned income, or call an accountant. I have income from vanguard investments and...
by nalor511
Thu Feb 28, 2019 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: If I contribute after tax 2018 dollars to fund my IRA and HSA will it reduce my 2018's tax 1040 AGI for IRA and HSA?
Replies: 13
Views: 379

Re: If I contribute after tax 2018 dollars to fund my IRA and HSA will it reduce my 2018's tax 1040 AGI for IRA and HSA?

IRS allows after tax contributions to IRA. Does financial institution code contribution differently for after tax funding source ? ...seaman After tax is not perhaps what you mean, perhaps what you want to know is if your contribution is deductible or non-deductible. If it's earned income, within y...
by nalor511
Wed Feb 27, 2019 5:20 am
Forum: Investing - Theory, News & General
Topic: What's the purpose of income limits on Roth IRA?
Replies: 25
Views: 2521

Re: What's the purpose of income limits on Roth IRA?

What's more crappy is the fact that the Roth can only be funded by 'earned' income, interest and dividends need not apply.
by nalor511
Tue Feb 26, 2019 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Can I split interest from proceeds on 1099-B?
Replies: 4
Views: 342

Re: Can I split interest from proceeds on 1099-B?

If these are long term capital gains, you will come out ahead by them being lumped into proceeds rather than broken out as interest. If they are short term, you'll be the same, no worse or better than if it were broken out as interest. I don't see why you would want to bother.
by nalor511
Sun Feb 24, 2019 7:03 pm
Forum: Personal Investments
Topic: HSA Started : HRB Software Says I Contributed Too Much!
Replies: 7
Views: 594

Re: HSA Started : HRB Software Says I Contributed Too Much!

I've found an actual calculation error in the HRB download version, and uploaded an example return to HRB, but they did not fix the technical error by the time I actually filed my taxes in March (2 months after reporting the error). So I wouldn't hold your breath about anyone at HRB being able to he...
by nalor511
Sat Feb 23, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: Pros and Cons of High Rise Condos for retired couple
Replies: 62
Views: 8661

Re: Pros and Cons of High Rise Condos for retired couple

1 br is very small and may be hard to adapt to if accustomed to a house. > The idea of renting for a year is a good one, Yeah, I guess everybody should do this. i didn't, and it worked out OK. It is small for two adults. No way to get away from each other without leaving the home. We recently watch...
by nalor511
Fri Feb 22, 2019 2:57 am
Forum: Personal Finance (Not Investing)
Topic: CIT Bank reliable? They have a 2.45% Savings Account
Replies: 19
Views: 1517

Re: CIT Bank reliable? They have a 2.45% Savings Account

They're fdic insured so you have nothing to worry about. ACH transfer, and linking accounts are extremely slow. I was on hold for 20 minutes the other day without getting to the first real person on the phone. They were not willing to work with me one time when I asked for a policy exception. I do n...
by nalor511
Thu Feb 21, 2019 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Home Lab for start in IT Career
Replies: 21
Views: 1354

Re: Home Lab for start in IT Career

You can also (and I recommend doing so) download LiveCD/LiveUSB versions of various linux distributions, to turn your laptop/desktop into a linux machine without hurting your macos/windows installation. This can give you a good playground to try things out without worrying about breaking anything. M...
by nalor511
Tue Feb 19, 2019 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Bogus Credit Karma notification
Replies: 2
Views: 432

Re: Bogus Credit Karma notification

Better a false positive than a false negative though... still seems a (free) service worth having.
by nalor511
Mon Feb 18, 2019 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Andrews FCU 6 month 3.25% CD 1 Week Only
Replies: 4
Views: 581

Re: Andrew Credit Union 6 month 3.25% CD 1 Week Only

RickBoglehead wrote:
Mon Feb 18, 2019 6:46 pm
Never heard of them, then realized OP meant Andrews.
Andrews FCU is a completely legit/trustworthy CU, just FYI
by nalor511
Fri Feb 15, 2019 11:18 pm
Forum: Personal Investments
Topic: CA HSA investment options
Replies: 4
Views: 400

Re: CA HSA investment options

Any fund that distributes capital gains, the gains will be taxed. With Fidelity you can buy individual treasury bills to avoid this.
by nalor511
Thu Feb 07, 2019 7:28 am
Forum: Personal Consumer Issues
Topic: 2018 H&R Block tax software deals
Replies: 9
Views: 1146

Re: 2018 H&R Block tax software deals UPDATE

pochax wrote:
Fri Jan 25, 2019 1:16 pm
FYI: just saw that 2018 H&R Block Deluxe with State efiling is down to $22 on amazon for either disc or download.
That's interesting, usually (always?) state e-file costs extra later.
by nalor511
Tue Feb 05, 2019 7:54 pm
Forum: Personal Consumer Issues
Topic: Any major differences between the cordless water flosser and the ones that sits on counter?
Replies: 7
Views: 583

Re: Any major differences between the cordless water flosser and the ones that sits on counter?

Corded has much better pressure, and you don't have to worry about the battery dying (or refilling the water halfway through).
by nalor511
Wed Jan 30, 2019 6:49 pm
Forum: Personal Consumer Issues
Topic: What's the current, best way to source decent eyeglasses (frames & lenses)?
Replies: 26
Views: 2311

Re: What's the current, best way to source decent eyeglasses (frames & lenses)?

If you just want to replace lenses in current frames, try Replace A Lens in Denver, CO. They have a website. You can send in frames, they will replace lenses to your prescription and send back. Works great as long as you have a back-up pair to wear, because it will take about 2 weeks round trip. Pr...
by nalor511
Sat Jan 26, 2019 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign tax credit question in TurboTax
Replies: 9
Views: 943

Re: Foreign tax credit question in TurboTax

I don't see the expected info on the Vanguard web site. For 2017, it was here -> https://advisors.vanguard.com/VGApp/iip/advisor/csa/investments/taxcenter/foreigntaxcredit?year=2017 These are both ex-us funds, so all the income is foreign from a US perspective Not necessarily. For instance, for 201...
by nalor511
Sat Jan 26, 2019 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign tax credit question in TurboTax
Replies: 9
Views: 943

Re: Foreign tax credit question in TurboTax

I'm running into an issue with entering my "foreign-source income" in the questionnaire, as it relates to 2 Vanguard international stock funds, VTIAX and VFWAX. So far I have only received a 1099-DIV from Vanguard showing the total dividends paid by these 2 funds. I couldn't find anything on Vangua...
by nalor511
Thu Jan 24, 2019 7:33 am
Forum: Personal Consumer Issues
Topic: Waterpik
Replies: 28
Views: 2515

Re: Waterpik

JohnFiscal wrote:
Thu Jan 24, 2019 5:17 am
Waterpik is last: brush, floss, Waterpik. Sometimes I throw in my Rotadent as well.
I used to go your order, but a dentist recommended a new order: Waterpik, floss, brush. The fluoride has longer on your teeth to work this way, and you're not rinsing it away. No rinse.
by nalor511
Thu Jan 24, 2019 7:32 am
Forum: Personal Consumer Issues
Topic: Waterpik
Replies: 28
Views: 2515

Re: Waterpik

95% of Max