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Hello BV3273, I personally purchase Series I Savings Bonds and, though they are kind of hybrid money market/CD-ish, I treat them as bonds. The interest is tax-deferred until you redeem the bond or when it matures after 30 years. The interest is also exempt from state and city income tax. A Treasury-...

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For curiosity's sake. From Vanguard mutual fund portfolio pages as of 12/31/19
Vanguard 500 (VFIAX) - P/E of 23
Vanguard Extended Market (VEXAX) - P/E of 20
Vanguard Total International Stock (VTIAX) - P/E of 15.4

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I recommend reading "The Only Guide to Alternative Investments You'll Ever Need" by Larry Swedroe that picks these apart. Usually there is some sleight of hand in the fine print that makes it less good than it is. For example, it might exclude dividends, or more complicated schemes that you can read...

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She should be able to max out pre-tax 401(k) limit of 19,500, rather than stopping at the 6%. She will have to switch to a Backdoor Roth IRA. Ask for summary plan description for 401(k) to try and see if a Mega Roth ("after tax" contribution) is possible. Otherwise, not much tax-advantaged investing...

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I understand. But (I'm struggling) I still don't see how you could actually report a loss in my situation. Though it's a capital loss, it isn't that you lost money, but that this fund was [apparently] so tax-inefficient that the initial investment plus all the income it has produced is more than it...

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It wouldn't be quite as bad as you're saying. Unrealized gains/losses wouldn't include dividend reinvestments which are another source of return. I don't think the load is charged on those. In addition, cost basis DOES include dividend reinvestment, so your initial investment may be lower. If you ca...

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Generationally I should be electronic but I do the 3 ring binder thing... I guess I believe in Murphy's Law too much and picture these elegant final instructions turning into ransacking the house for Grand Dad's thumb drive, or trying to get past 2FA (that sends codes to the phone that got its servi...

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Yes you have to report correct cost basis information even if the broker is wrong. There are "adjustments" to do so if necessary on your tax return. The brokerages should have tracked cost basis for anything purchased in 2012 or later. I guess it's possible, since it was through an advisor, that the...

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For perspective think of it as trying to squeeze out the last 5% of efficiency once you're 95% there. This is such a small issue in comparison to everything you went through to this point re: stopping AUM fees and advisors. It sounds like you may have considered this already, but the wiki has more d...

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On this topic though, could someone remind us why the percentages for Vanguard 500+mid+small are so different than Fidelity 500+mid+small? Is it because Vanguard uses CRSP indexes while Fidelity uses Russell indexes and there is overlap between the three funds? Also, how much have the percentages ch...

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Yes, that makes sense.

https://www.bogleheads.org/wiki/Approxi ... ock_market

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Does anyone know if I can challenge my employer legally if they didn't apply my w4 as per my instructions? I don't know about that, but there is the option to ask the IRS for a penalty waiver. It can't hurt, right? Or, make sure you make the estimated payment today. It might combine nicely with the...

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You'll have to look up the exact rules for IRS form 2210, but it generally works as: if your withholding was such that you owe $1000 or less, there shouldn't be a penalty if 2018's AGI was under 150,000, and your withholding was at least as much as your total tax for 2018, there shouldn't be a penal...

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Got links for instructions on turning all that stuff off? I'm holding out on Windows 7 because of that stuff: telemetry, Cortana, Windows Store, and forced updates. My work computer is Windows 10 and even if I kill Cortana in the task manager, it just comes right back. How do I completely remove th...

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If you must hold on to the idea of buying stocks after a decline, you might be better served purchasing Fidelity Four-in-One Index fund or a Freedom Index fund and letting the fund do the work rather than keeping cash on the side.

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I suppose the portfolio managers for the fund at Vanguard, after a stock decline, could use a combination of selling bonds to buy stock, and selling only bonds to meet redemptions as a way to get the fund back to its target percentages of stocks and bonds. So, redeeming wouldn't necessarily mean sel...

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Trustee-to-trustee transfers usually cost money and usually involve mailing a paper check, so if you were thinking to do one after every payroll deposit, that probably isn't a great solution. I don't understand your reasoning on avoiding FICA on HSA money causing other money to be taxed instead, or ...

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I believe this might get rounded to the nearest dollar when it gets reported to the IRS. H&R Block tax software, at least, forcibly rounds all W-2 entries to the nearest dollar if you try to enter the cents All Wage and Income Transcripts I've requested from the IRS showing what 1099s and W-2s they ...

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If all else fails and it gets to the point of a wrong W-2, there is an IRS form 4852 to "override" the W-2 when you file your taxes. But, look up the form and its instructions as there are steps to go through to prove you've done everything possible to get a correct one. Also, I presume filing that ...

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Isn't the main purpose for a lower-cost variable annuity (whether Vanguard or Fidelity or elsewhere) the fact you can exchange a high-cost annuity previously purchased by mistake to buy it? Otherwise it seems like lots of historical trends make starting a new variable annuity make less and less sens...

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First, don't forget about the capital gain distributions if it's outside of an IRA or retirement account. JP Morgan Small Cap (VSEAX), for example, per their website, reinvested 2.3805 per share at 50.32 back in December, or 4.7% of its value, which is then subject to federal and state income tax. T...

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For mutual fund only accounts it is indeed possible to generate a different routing/account number for each fund and do a direct deposit directly into each one. However, for brokerage accounts I've read that it's possible to set up an automatic investment on payday (or the day after) from the settle...

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I don't know about the online version, but the desktop version of H&R Block has a yes/no checkbox when you enter a 1099-DIV that says "From US government obligations" or something of the sort. It's at the very bottom of the 1099-DIV entry screen I believe. At first it's confusing with it seemingly a...

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Re: the ESPP, and someone correct me if I'm wrong. There is the gap between the discounted price at which you purchase the shares, and the current market price. That is called the bargain element. Then, whenever you sell, there is also the difference between the sale price and the market price on th...

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I'd guess the limitation of whether in-kind is possible or not would be on the 403(b) end.
Does the summary plan description say anything?
If you poke around in the 403(b)'s online account, are there forms you can download and do any of them hint at in-kind?

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If you're doing a backdoor Roth again this year you can convert the 6500.80 this time around. You'll probably a few cents of interest again though.

Have you practiced form 8606?

I suspect 13000/13001 will round to 1.000 so the extra dollar may not even be an issue.

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This is an interesting thought since the hyphen before the c in -c:v seems to trigger something in the error message. Can you elaborate on what you mean by a plain hyphen? I just used the key right of the number 0 on a standard keypad. Is the hyphen in the numeric keypad a differently-coded hyphen?...

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hmw wrote: ↑
Sun Dec 29, 2019 4:32 pm
Was it easy to find a random party to join and get the $25/line pricing? Thanks

I found a 3-person party on Reddit, so I was lucky. It may get easier or harder with time as initial interest dies down?

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What if you replace the ffmpeg-4-2-1 command with echo Then go through the output and see if you can copy and paste some of the command lines it generates and see if you can get the garbled error message with a single command. Are you 100% sure that all - are plain hyphens and all " are plain quotes...

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I've had it since January. Overall, it's worked well especially for the price. I don't use the Internet access for anything but company email and chat and occasionally looking something up. I'm not sure how it would perform for streaming video. It's had a few glitches in that time, for example somet...

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I'm not as sure about the bond fund, but the last I looked the T Rowe Price MD money market fund even after accounting for taxes, it didn't have a high enough yield compared to Vanguard Prime/Federal/Treasury. I'm not sure it's a fair comparison though to Total Bond Index in terms of risk. Morningst...

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There is a wiki page on investing at T. Rowe Price, so it's not off the wall. https://www.bogleheads.org/wiki/T._Rowe_Price TRP just hasn't reduced their expense ratio as competition between Vanguard, Fidelity, and Schwab has driven them down toward zero. They also don't offer a total international ...

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This discussion reminds me of a brief sentence in The Intelligent Investor 's chapter on investment companies. I assume such a fund is outdated or we'd be hearing about it: A new wrinkle, introduced in 1967, divides the capitalization into a preferred issue, which will receive all the ordinary incom...

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Here you go, 31 CFR 351.35 https://www.law.cornell.edu/cfr/text/31/351.35

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Within an IRA of either kind it does not matter whether the account grows from an increase in price or distributions. You are onto something though with wanting the asset expected to grow more in the long-term to be in Roth, and the slower-growing one (i.e., the one with more bonds) to be in your tr...

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JR said that main "system limitation" is that my elderly mom is not a trustee of her trust. My brother and I are her co-trustees (as well as fellow Vanguard investors) and have limited agent authorization for her IRA so we can do phone calls on the IRA. Mom can still sign for transactions regarding...

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Sandwich, Was there anything specifically wrong with the RMD form? Like did you try and change the fields somehow like withholding a dollar amount instead of a percentage or something? If not, there has to be some kind of misunderstanding. The Vanguard RMD service is right on their website. https://...

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I saw this thread for the first time the other day. It took me a little bit of thinking to see where 555 is coming from but it I agree. I thought of a visualization that might help. Imagine a bucket mostly full of water. Now, imagine a pipe/faucet that adds more water to the bucket, but with a twist...

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Nope, the law requires them to know. The institution is required to turn the account ownership over to the beneficiary at the state mandated age of maturity. The process varies by institution, but they end up in either the child's name or a joint account usually. Unless you do something illegal or ...

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Even if there was a free lunch here, and I'll let others take that on, mutual funds usually have frequent trading rules to stop you from doing this as the short term sales/repurchases wreak havoc on the fund and its returns for long term shareholders.

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Similarly, I've noticed if you run a quote on an auto insurance website it often already knows what cars you have.

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Perhaps wait until after 4th quarter dividends, so you don't get two 1099-DIVs for this year?

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The deductiblility of the Traditional IRA contribution excludes those who are COVERED (or have a spouse who is covered) by an employer 401K, not that they CONTRIBUTED to it. The employer could have contributed to it. https://www.irs.gov/retirement-plans/ira-deduction-limits It all boils down to whe...

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I'd be interested in hearing from the resident Form 1116 experts if being in the highest tax bracket and having to "adjust" down foreign income amounts to account for qualified dividends changes the calculation at all. At least for straightforward investments like VTIAX. Or, is the US tax still high...

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It sounds like the OP is currently using a desktop, so if going the Chromebook route, consider a Chromebox which is a desktop version to continue having full sized keyboard, mouse, monitor. If there are specifications for what the $750 computer includes that would be nice to know to advise further. ...

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Look into Lively which will let you move HSA funds to TD Ameritrade for no fees. Some here like Fidelity's as well. When you say "flex" plan, if you mean FSA, make sure you look into the terms and conditions as usually there is a low limit on how much you can carry to the next year. FSAs are expecte...

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Unrealized gains (that you can realize whenever you want) are still better than realized ones, since 6% years in the future is still better than 6% now, right? Plus basis step up for heirs if you don't use all the taxable account... Remember that qualified dividends only affect your federal tax calc...

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Microsoft has done so well, for so long, that it's hard to really want to let it go and move that into a bond. I don't see Microsoft turning the other direction for a long time but obviously I could be wrong. When you said that, I thought it would be interesting to chart the growth of MSFT vs. the ...

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I got a physical mailing from Vanguard today asking to transition to brokerage, for what that's worth. Those who work in the industry, Vanguard always makes it sound like it's no big deal to do this transition, but behind the scenes it's the same process as moving the mutual fund shares from own nam...

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I don't know the full history, but I suspect that, like health insurance, vision/dental likely originated during World War II price controls to pay employees more when giving them a raise was not allowed, as well as a way to compensate them without paying income taxes. I suspect dental/vision wouldn...

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