Search found 226 matches

by Pranav
Mon Jun 25, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: anyone working overseas? pros-cons?
Replies: 22
Views: 2387

Re: anyone working overseas? pros-cons?

sd323232 wrote:
Mon Jun 25, 2018 5:37 pm
Is it worth it to be away from your family for the financial benefit?
No
by Pranav
Fri Jun 22, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 192
Views: 30260

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

TravelGeek wrote:
Fri Jun 22, 2018 1:02 pm
I have submitted it as a suggestion to my local library and will order a hardcopy from local neighborhood bookstore :beer
I also suggested to our local library and they now have 7 copies "On Order". :happy
by Pranav
Wed Jun 20, 2018 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Selling Amazon?
Replies: 17
Views: 1323

Re: Selling Amazon?

Invest stock allocation in the total market.
by Pranav
Wed Jun 13, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 456
Views: 102246

Re: Anyone regret paying off mortgage early?

I regret that we initially payed extra towards mortgage while only contributing company match to 401(k).

After reading Bogleheads and other resources, I realized we should prioritize contributions to tax-advantaged accounts (401k, IRA, HSA) and then target the mortgage.
by Pranav
Mon May 21, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans To Launch Total World Bond ETF
Replies: 30
Views: 3585

Re: Vanguard Announces Plans To Launch Total World Bond ETF

What is the ratio of Domestic vs International in the Total Bond?
by Pranav
Mon May 14, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3602
Views: 1028306

Re: What Movie Have You Recently Watched?

Raazi https://en.wikipedia.org/wiki/Raazi
I recommend it.
Currently showing in some theaters.
by Pranav
Sun May 13, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: Inherited Roth IRA question
Replies: 4
Views: 522

Re: Inherited Roth IRA question

Yes, your withdrawal would be tax-free. However, I would only take RMDs, so I can extend the life of Roth IRA. Then, I would invest the Roth IRA in Total Stock Market Index Fund or Total International Stock Market Index Fund according to my asset allocation.
by Pranav
Thu Apr 19, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to move money to the US for investing
Replies: 11
Views: 1089

Re: Best way to move money to the US for investing

Hi guys, I have been researching on this but cannot find a solid answer. I wonder if anyone has any experience moving a lump some of money from outside of the US to a US bank or a brokerage company like Vanguard.I will be selling a piece of property outside of the US (and will therefore be taxed ab...
by Pranav
Wed Apr 18, 2018 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Cost basis and Vanguard - Question
Replies: 2
Views: 387

Re: Cost basis and Vanguard - Question

I had recently TLH'ed by selling my taxable assets (entire lot) and the cost basis method used was "Average cost" which was the default option. Since I had sold entire lot at once, there was no issue. But do you think it would be a better idea to change the cost basis method to "SpecID"? If yes, do...
by Pranav
Wed Apr 04, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA and Taxable at VG
Replies: 12
Views: 721

Re: Roth IRA and Taxable at VG

Does Vanguard offer a way to transfer directly from Taxable to IRA in one step on the same day?
by Pranav
Fri Mar 30, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 127
Views: 13058

Re: Anybody else Age - 10 in bonds, rest in stocks

I have enjoyed my spreadsheet's real-time adjustment by pegging the bond % to a formula with the "=TODAY()" function and the average of our birthdays, so our allocation changes 1/365th of a percent each day. We used to do exactly this as well until our average age hit 40. Now we're staying at 60/40...
by Pranav
Sat Mar 24, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Question on Ally Savings Account vs Capital One 360 MMA?
Replies: 8
Views: 1686

Re: Question on Ally Savings Account vs Capital One 360 MMA?

Note: 360 MMA requires $10,000 balance to earn the higher interest rate (1.5%).
by Pranav
Fri Mar 23, 2018 11:16 pm
Forum: Investing - Theory, News & General
Topic: Pls Help me understand 2018 SALT deductions.
Replies: 17
Views: 2001

Re: Pls Help me understand 2018 SALT deductions.

You cannot take both the standard deduction AND the SALT + mortgage interest itemized deductions. It's one or the other... So it is either: Standard : 24000 OR SALT + mortgage interest: 10,000(Maximum allowed) + 12,000 = 22,000 Is that right? So usually one picks the maximum of the either: So I sti...
by Pranav
Tue Mar 20, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Sold house, trying to decide what to do with equity
Replies: 11
Views: 959

Re: Sold house, trying to decide what to do with equity

I would prioritize in the following order:

1) Emergency / Large Expense Fund
2) Tax-Advantaged Account Contributions (401k, IRA, HSA, etc.)
3) Mortgage

https://www.bogleheads.org/wiki/Priorit ... nvestments
by Pranav
Wed Mar 14, 2018 3:27 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 192
Views: 30260

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

After suggesting this book to our local library, they replied within a day with the following:

"This title is scheduled to be released in late June; it has been placed on a pre-publication list to order at that time."

:happy
by Pranav
Mon Mar 12, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting dividends in taxable along w/ new contributions
Replies: 9
Views: 818

Re: Reinvesting dividends in taxable along w/ new contributions

Our quarterly dividends from taxable account are deposited to our bank account.

Our monthly contributions to taxable accounts are withdrawn from our bank account.
by Pranav
Sat Mar 10, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Filed 2017 taxes electonically for FREE
Replies: 46
Views: 5080

Re: Filed 2017 taxes electonically for FREE

I used Karma free to file. Printed it out and sent state in then Fed. State cashed the check. Fed I'm weighting. I had a very simple tax form. Did make 120000 but no right offs. Even did a Roth conversion. All forms looked good. If you don't heir from me My cell No. in Or. 2314 visiting days Sunday...
by Pranav
Fri Mar 09, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Filed 2017 taxes electonically for FREE
Replies: 46
Views: 5080

Re: Filed 2017 taxes electonically for FREE

core4portfolio wrote:
Fri Mar 09, 2018 9:28 am
FREETAXUSA10 is coupon code which will give 10% off.
Also ebates cashback site will give 25% cashback for Freetaxusa if anyone else plan to use this
Iam also going to use the freetaxusa.
Can FreeTaxUSA import information from Vanguard or Employer W-2, etc.?
by Pranav
Thu Mar 08, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Filed 2017 taxes electonically for FREE
Replies: 46
Views: 5080

Re: Filed 2017 taxes electonically for FREE

... I have used free tax software and filed electronically for federal and state for over 10 years for me and for friends. The last couple of years I have used OLT (On Line Tax)... +1 for OLT. This is my 4th year using it. With my being familiar with it and it moving my data over from last year, it...
by Pranav
Mon Mar 05, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: can you set vanguard to automatically invest to your assest allocation?
Replies: 6
Views: 615

Re: can you set vanguard to automatically invest to your assest allocation?

hi all, I investment my taxable account in 50/50 Total Stock market and Intermediate Term Tax Exempt. last year, all of my bi-monthly investments were easy - I put them in the bond fund to catch up to the stock fund. This year there has been more ups and downs - can you configure your vanguard acco...
by Pranav
Fri Mar 02, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Withdraw Strategy
Replies: 9
Views: 700

Re: HSA Withdraw Strategy

I prefer to use the HSA for current medical expenses.
by Pranav
Thu Feb 22, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Joint Taxable Account
Replies: 17
Views: 1275

Re: Joint Taxable Account

Does Vanguard allow people to name beneficiaries for join taxable accounts (JTWROS)? During my brief search on their website, I couldn’t find an option to name beneficiaries for our joint taxable account at Vanguard.
by Pranav
Sun Feb 18, 2018 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: HSA's - invest or use for current expenses?
Replies: 10
Views: 793

Re: HSA's - invest or use for current expenses?

We prefer to use the HSA for current medical expenses.
by Pranav
Fri Feb 16, 2018 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Speculation to Investment
Replies: 2
Views: 298

Re: Moving from Speculation to Investment

Padawan,

Are those individual stocks in taxable account or tax-advantaged accounts like 401(k), IRA, etc.?
by Pranav
Thu Feb 15, 2018 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall & Investment Planning
Replies: 3
Views: 513

Re: Windfall & Investment Planning

Sorry for your unfortunate circumstances. It is possible to avoid the costs for financial advisors as Bogleheads can answer any others questions you may have. Three-Fund Portfolio is sufficient, so alternatives like gold and crypto-currencies are not necessary. For asset location suggestions, see ht...
by Pranav
Thu Feb 15, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: First time Home Buyer in HCOL area - funds check
Replies: 28
Views: 3727

Re: First time Home Buyer in HCOL area - funds check

Great job maximizing 401k, IRAs,
debt-free, and building a decent down payment.

A good rule of thumb to use would be 20% down payment.

Other expenses to keep in mind would be homeowner’s insurance.
by Pranav
Thu Feb 15, 2018 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Question re: mulitple user account setup when moving taxable/tax-deferred to VG, etc.
Replies: 2
Views: 233

Re: Question re: mulitple user account setup when moving taxable/tax-deferred to VG, etc.

stw wrote:
Thu Feb 15, 2018 3:33 pm
For the funds in taxable accounts, Do you make a third account that is joint?
Correct. And, In that scenario, the joint owners will be able to view and transact with the joint taxable account using their own logins. So, each individual will see their own IRAs and the joint taxable account.
by Pranav
Wed Feb 14, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to choose best cost basis for funds
Replies: 5
Views: 492

Re: How to choose best cost basis for funds

For Cost Basis method in Taxable accounts, we use Specific Identification (SpecID).

https://investor.vanguard.com/taxes/cos ... tification
by Pranav
Thu Jan 18, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 8854

Re: Short Commute or Nicer House?

Short Commute (Option 1)
by Pranav
Fri Jan 05, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 186
Views: 25484

Re: TurboTax Prices

I would like to ask if my relative should get Fed only version or Fed + State version for following situation: My relative is single and lives in Texas and worked at an office in Texas for a six months contract job (engineering) for QLogic, a subsidiary of Cavium. Both the subsidiary and the parent...
by Pranav
Thu Jan 04, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: PSA: H&R Block Deal of the Day on Amazon (1/4)
Replies: 15
Views: 1880

Re: PSA: H&R Block Deal of the Day on Amazon (1/4)

masteraleph wrote:
Thu Jan 04, 2018 8:47 pm
runner3081 wrote:
Thu Jan 04, 2018 10:18 am
FYI - though the state return is included, there is a charge to e-file through H&R block on the state return.
Except for NY, which is free.

(NY bans paid preparers from charging extra for e-filing).
How about California?
by Pranav
Wed Jan 03, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes [Do it yourself or use tax software?]
Replies: 39
Views: 3237

Re: Taxes

I use TurboTax. I'm annoyed with it for several reasons: 1) Price for version with advanced features 2) State filing fees 3) I sometimes have to manipulate the forms to avoid attempting to take education credits (which I'm not eligible for) so part of my 529/Coverdell distributions don't become unq...
by Pranav
Sat Dec 30, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: Cricket "unlimited 2" plan: 4 lines for $100
Replies: 6
Views: 978

Re: Cricket "unlimited 2" plan: 4 lines for $100

How about the fifth line?
by Pranav
Thu Dec 28, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 186
Views: 25484

Re: TurboTax Prices

I would like to ask if my relative should get Fed only version or Fed + State version for following situation: My relative is single and lives in Texas and worked at an office in Texas for a six months contract job (engineering) for QLogic, a subsidiary of Cavium. Both the subsidiary and the parent ...
by Pranav
Sat Dec 23, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: How much have you donated to John C Bogle Center for Financial Literacy?
Replies: 17
Views: 1996

Re: How much have you donated to John C Bogle Center for Financial Literacy?

We have gladly donated to them through Amazon Smile and Facebook’s fundraiser feature.
by Pranav
Tue Dec 12, 2017 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: How to report property tax
Replies: 6
Views: 452

Re: How to report property tax

Similar to OP (HeadTail), we also moved from escrow to self-pay this year. So, thanks for everyone's replies. If I may, I would like to post our property tax bunching strategy, so that y'all may review. We are considering submitting the 2017's full property tax on January 1, 2018 and then pay the 20...
by Pranav
Wed Nov 29, 2017 9:57 pm
Forum: Personal Consumer Issues
Topic: Best strategy for selling cell phone on Ebay?
Replies: 33
Views: 2238

Re: Best strategy for selling cell phone on Ebay?

Facebook’s Marketplace
Nextdoor’s For Sale & Free
by Pranav
Thu Nov 16, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: Under the sink water filter
Replies: 14
Views: 1201

Re: Under the sink water filter

Our house came with an under sink filter. We used it for a while. Then we got our water tested and found there was nothing identifiable that we needed to filter out. I never did a test of water that had been through the filter, since the tests came up with zeroes without it, there would have been n...
by Pranav
Thu Nov 02, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Do you Mow your own Lawn?
Replies: 90
Views: 4193

Re: Do you Mow your own Lawn?

We now our own lawn with the following reel lawn mower.

http://www2.fiskars.com/Products/Garden ... Mower-6205
by Pranav
Mon Oct 30, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: How to Start Tutoring Service
Replies: 12
Views: 1259

Re: How to Start Tutoring Service

Speaking as a parent who hired a couple of tutors when my kids were in high school, I would have been hesitant to use a tutor who had no experience as a teacher or a tutor. Knowledge of a subject does not necessarily translate into the ability to teach it. I myself am not a good teacher, so I am ve...
by Pranav
Mon Oct 30, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: How to Start Tutoring Service
Replies: 12
Views: 1259

Re: How to Start Tutoring Service

OP here. Thank you all for the useful advice, which I have been review with my wife (tutor). We spread the word on Nextdoor and got in touch with a parent who is seeking a tutor for her 7th & 9th grade kids for Science/Math. Parent asked for the tutoring charge. Since we didn't quite know how to ans...
by Pranav
Thu Oct 26, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Short term investment of 4-5 years
Replies: 6
Views: 906

Re: Short term investment of 4-5 years

As you may know, the I-Bonds limit you mentioned is per person.
by Pranav
Wed Oct 25, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: How to Start Tutoring Service
Replies: 12
Views: 1259

How to Start Tutoring Service

Please share advice on how my spouse can start offering tutoring near our home. Background: Bachelor's degree in Biotechnology Master's degree in Biochemistry Interned at a pharmaceutical company Has a Pharmacy Technician Certification (2017-19). Preferences: Science, but open to other subjects Elem...
by Pranav
Tue Oct 24, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Declaring Tutoring Income
Replies: 16
Views: 2965

Re: Declaring Tutoring Income

My wife started providing some tutoring services earlier this year and it unexpectedly grew into more business than she (we) thought. ... Thanks, Cosmo Cosmo, my spouse is considering offering tutoring service in our neighborhood. Could you and others please share how to start and grow a tutoring s...
by Pranav
Fri Oct 20, 2017 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 IRS tax information
Replies: 28
Views: 4954

Re: 2018 IRS tax information

Thanks for posting, FIREchief. I didn't realize the IRS released this information so early. The linked .pdf file is the format I've found to be most useful. I assume you're referring to the Rev. Proc. 2017-58 PDF file . It has all the new tax brackets. I used it to add 2018 to my Marginal Tax Rate ...
by Pranav
Fri Oct 20, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 IRS tax information
Replies: 28
Views: 4954

Re: 2018 IRS tax information

Thanks for posting, FIREchief. I didn't realize the IRS released this information so early. The linked .pdf file is the format I've found to be most useful. I assume you're referring to the Rev. Proc. 2017-58 PDF file . It has all the new tax brackets. I used it to add 2018 to my Marginal Tax Rate ...
by Pranav
Mon Oct 16, 2017 5:55 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 9414

Re: What are you driving? And would you buy your current ride again?

Toyota Corollas and Hyundai Elantra. When they reach end of life, we shall consider electric cars instead :happy