Search found 237 matches

by Pranav
Tue Mar 05, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: Best place to buy Microsoft Office 2019....
Replies: 102
Views: 9339

Re: Best place to buy Microsoft Office 2019....

Sinsji wrote:
Tue Mar 05, 2019 9:56 am
Microsoft offers a free 'light' version of several office products on the cloud.
Link?
by Pranav
Sun Feb 10, 2019 7:01 pm
Forum: Personal Consumer Issues
Topic: Passport Photos ?
Replies: 85
Views: 4132

Re: Passport Photos ?

livesoft wrote:
Sun Feb 10, 2019 5:00 pm
I make my own and print them out on my color printer. I realize that many people are way too worried to do this themselves, but it really is not hard if you are already used to printing photos yourself.
On a Regular Paper or Glossy Paper?
by Pranav
Mon Jan 28, 2019 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Double Recharacterization: TIRA -> Roth -> TIRA
Replies: 2
Views: 143

Double Recharacterization: TIRA -> Roth -> TIRA

Hi, In January 2018, my relative made a lump-sum contribution of $5,500 into his Vanguard Traditional IRA. In September 2018, he recharacterized it into his Vanguard Roth IRA. On Jan 13, 2019, he received Form 1099-R for that first recharacterization that has the following details: 2018 Form 1099-R:...
by Pranav
Tue Jan 22, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: Do you carry gas cans, mowers, string trimmers, etc in your car or SUV?
Replies: 48
Views: 3355

Re: Do you carry gas cans, mowers, string trimmers, etc in your car or SUV?

To avoid refilling/carrying gas cans periodically in our car, we switched to using a Push Reel Lawn Mower after trying out a Gas Lawn Mower for a week.
by Pranav
Mon Dec 31, 2018 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Return, MFJ + Adult Dependent, Foreign Pension, ACA
Replies: 9
Views: 631

Re: Tax Return, MFJ + Adult Dependent, Foreign Pension, ACA

Have you run their numbers through the IRS test? https://www.irs.gov/help/ita/whom-may-i-claim-as-a-dependent No, but now they can. Thanks. Pranav - I would be curious to know what type of document Person C receives at year end reflecting the income she receives and what is her age? She may not eve...
by Pranav
Sat Dec 29, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Return, MFJ + Adult Dependent, Foreign Pension, ACA
Replies: 9
Views: 631

Tax Return, MFJ + Adult Dependent, Foreign Pension, ACA

Hi, I am asking questions on behalf of others for Tax Year 2018. Person A and Person B are married and file jointly. They have annual income of around $20,000 through IRA Distributions and W-2. (Edit: They now have income through Roth Conversion for a total of around $24,000). Person C (Edit: Age 82...
by Pranav
Wed Nov 14, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: PPO or HSA
Replies: 21
Views: 2155

Re: PPO or HSA

What are the monthly or annual premiums?
by Pranav
Tue Aug 21, 2018 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Cap One Savor $500 bonus if you got $500 with Venture?
Replies: 3
Views: 600

Re: Cap One Savor $500 bonus if you got $500 with Venture?

I can't determine if you can get the Cap One $500 Savor bonus if you already have the Venture card and $500 bonus. Has anyone got bonuses on both cards? Doc of Credit doesn't clarify. Thanks! I do not have either of those cards, but I would think one can get both bonuses. You may also contact them ...
by Pranav
Mon Aug 13, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Uninsured Motorist coverage
Replies: 30
Views: 2304

Re: Uninsured Motorist coverage

dm200 wrote:
Mon Aug 13, 2018 2:34 pm
Any ideas or statistics on how many Uninsured drivers are out there? I suspect it varies a lot by locality.
https://www.iii.org/fact-statistic/fact ... -motorists
by Pranav
Mon Jun 25, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: anyone working overseas? pros-cons?
Replies: 22
Views: 2831

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: 238
Views: 45704

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: Personal Investments
Topic: Selling Amazon?
Replies: 17
Views: 1622

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: 505
Views: 132192

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: 4998

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: 4747
Views: 1226071

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: 660

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: Personal Investments
Topic: Best way to move money to the US for investing
Replies: 11
Views: 1387

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: Personal Investments
Topic: Cost basis and Vanguard - Question
Replies: 2
Views: 482

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: Personal Investments
Topic: Roth IRA and Taxable at VG
Replies: 12
Views: 935

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: Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 127
Views: 15049

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: 2241

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: 2272

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: 1212

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: 238
Views: 45704

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: Personal Investments
Topic: Reinvesting dividends in taxable along w/ new contributions
Replies: 9
Views: 987

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: 6219

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: 6219

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: 6219

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: Personal Investments
Topic: can you set vanguard to automatically invest to your assest allocation?
Replies: 6
Views: 714

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: 861

Re: HSA Withdraw Strategy

I prefer to use the HSA for current medical expenses.
by Pranav
Thu Feb 22, 2018 4:33 pm
Forum: Personal Investments
Topic: Joint Taxable Account
Replies: 17
Views: 1647

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: Personal Investments
Topic: HSA's - invest or use for current expenses?
Replies: 10
Views: 973

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: Personal Investments
Topic: Moving from Speculation to Investment
Replies: 2
Views: 364

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: Personal Investments
Topic: Windfall & Investment Planning
Replies: 3
Views: 690

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: 4212

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: Personal Investments
Topic: Question re: mulitple user account setup when moving taxable/tax-deferred to VG, etc.
Replies: 2
Views: 342

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: 721

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: 10901

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: 302
Views: 42373

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: 2167

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: 3656

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: 1255

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: 302
Views: 42373

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: 2242

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: 544

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...