Search found 40 matches

by newcollegeman
Thu Jan 09, 2020 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: IRS PIN Letters for 2019 taxes
Replies: 19
Views: 1903

IRS PIN Letters for 2019 taxes

Has anyone gotten their 2019 tax filing IRS PIN letters yet?

I strangely by this date have not....

Unsure what to do about that, if I’m the only one!

Advice?

newcollegeman
by newcollegeman
Mon Dec 16, 2019 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Double Your Roth Contributions?
Replies: 4
Views: 748

Double Your Roth Contributions?

Saw the following on "Go Curry Cracker" this morning: https://www.gocurrycracker.com/double-your-roth-contributions/?utm_source=convertkit&utm_medium=email&utm_campaign=broadcast Claims that a Roth 401k contribution does not eliminate also making a Roth IRA contribution on the same income. Can it be...
by newcollegeman
Tue Sep 03, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: Need Help Solving A House Smell Mystery
Replies: 49
Views: 7776

Re: Need Help Solving A House Smell Mystery

We've had 2 houses in Mississippi with weird smells: 1) A 1970's Brady Bunch house with strange sickly sweet smell in one bedroom, which was caused by boys years before who were secretly using snuff & pushed a hundred snuff boxes between the concrete wall & the drywall, from an understairs "lair" th...
by newcollegeman
Fri Jun 07, 2019 9:17 pm
Forum: Investing - Theory, News & General
Topic: Insights From a Long Call With Vanguard Reps Today
Replies: 86
Views: 17881

Re: Insights from Vanguard

We discussed Admiral index funds in the Three Fund Portfolio, the Vg funds in TD & LS funds, and we discussed the lower ER in their equivalent ETFs. The overall emphasis was that, while Admiral index funds would always be available, the lower cost ETFs appeared to the the future. Yes, bid/ask spread...
by newcollegeman
Thu Jun 06, 2019 7:26 pm
Forum: Investing - Theory, News & General
Topic: Insights From a Long Call With Vanguard Reps Today
Replies: 86
Views: 17881

Re: Insights from Vanguard

Silence Dogood,

Yes, you have said it better than I.

newcollegeman
by newcollegeman
Thu Jun 06, 2019 2:31 pm
Forum: Investing - Theory, News & General
Topic: Insights From a Long Call With Vanguard Reps Today
Replies: 86
Views: 17881

Re: Insights from Vanguard

Silence Dogood, The Vg reps told us that last week & it was presented as fresh news. Mutual funds will always be available at Vg. ETFs will always be available at Vg. But, there's a migration over to ETFs inside Target & LifeStrategy expected over the next couple of years. Or, at least, that's what ...
by newcollegeman
Thu Jun 06, 2019 10:00 am
Forum: Investing - Theory, News & General
Topic: Insights From a Long Call With Vanguard Reps Today
Replies: 86
Views: 17881

Re: Insights from Vanguard

bondsr4me, I asked if we could come & take the Vg reps to lunch. They thanked me, but said their ethics policy wouldn't allow it. So, we settled for a face-to-face in a conference room at their place. I took the whole family! Was perhaps the best investment meeting we've ever had. I cannot say enoug...
by newcollegeman
Thu Jun 06, 2019 7:12 am
Forum: Investing - Theory, News & General
Topic: Insights From a Long Call With Vanguard Reps Today
Replies: 86
Views: 17881

Re: Insights from Vanguard

My family & I met w Vanguard reps last week. Excellent service all around.

It was worth the trip to watch the look on my young adult children’s faces as the Vg PAS rep told them they needed to save 30% of their gross income for retirement!

I was a proud Boglehead indeed!!

Newcollegeman
by newcollegeman
Mon Jun 03, 2019 2:49 pm
Forum: Personal Consumer Issues
Topic: Road Trip! Texas to Virginia places to see/visit
Replies: 21
Views: 1187

Re: Road Trip! Texas to Virginia places to see/visit

Visit Floyd, VA on a Friday or Saturday night for local musical talent of a high standard.
by newcollegeman
Mon Jun 03, 2019 2:35 pm
Forum: US Chapters
Topic: Richmond, VA Area Local Chapter
Replies: 76
Views: 11804

Re: Richmond, VA Area Local Chapter

I cannot attend on Tuesday June 25, 2019.
by newcollegeman
Tue May 14, 2019 6:41 pm
Forum: US Chapters
Topic: Richmond, VA Area Local Chapter
Replies: 76
Views: 11804

Re: Richmond, VA Area Local Chapter

I am near Roanoke & am interested.

Newcollegeman
by newcollegeman
Wed May 08, 2019 2:33 pm
Forum: Personal Consumer Issues
Topic: Good town to stop on I-81
Replies: 42
Views: 3637

Re: Good town to stop on I-81

Floyd, VA: perfect for Friday & Saturday, with top flight street music, country stores & a really cool cultural mix!
Cut the corner off the I-77 / I-81 intersection, accessing Floyd via I-77 exit to Hillsville VA.
You won't regret it!

newcollegeman
by newcollegeman
Mon Apr 29, 2019 8:31 pm
Forum: Investing - Theory, News & General
Topic: Target Date Funds doing it backwards?
Replies: 44
Views: 5362

Re: Target Date Funds doing it backwards?

I asked Jack Bogle in the question time last October at the Bogleheads Conference which was better if all of your investments were in a tax advantaged account, if they were all say invested in AA of 60/40: 1) Three Fund Portfolio 2) Target Date Fund 3) LifeStrategy Fund Jack's answer was swift & sur...
by newcollegeman
Thu Apr 11, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: Buying a bed
Replies: 42
Views: 3709

Re: Buying a bed

OP,

I found sleeplikethedead.com a very helpful site.

newcollegeman
by newcollegeman
Mon Mar 04, 2019 12:38 pm
Forum: Personal Investments
Topic: Want no interest, dividends or distributions in 2019
Replies: 45
Views: 4835

Re: Want no interest, dividends or distributions in 2019

She will be doing Materials Science Engineering at a National Lab. We would urge her to do it, even if there was no paycheck involved, just for the experience!

Thanks for your help,

newcollegeman
by newcollegeman
Mon Mar 04, 2019 11:55 am
Forum: Personal Investments
Topic: Want no interest, dividends or distributions in 2019
Replies: 45
Views: 4835

Re: Want no interest, dividends or distributions in 2019

The shock to me is that she will have a long 6 month research internship making more money than I ever did as a college student: $33,000.... I was told by the accountant that as long as she had less than $340 in unearned income that her overall income would not count towards our ACA Household Income...
by newcollegeman
Mon Mar 04, 2019 8:57 am
Forum: Personal Investments
Topic: Want no interest, dividends or distributions in 2019
Replies: 45
Views: 4835

Re: Want no interest, dividends or distributions in 2019

Thanks for the helpful responses: the Bogleheads have caught an error in what my accountant told me! I was told that if my daughter's unearned income was less than $340 in 2019, then her salary would not count towards my ACA Household income. Your responses have prompted me to go read the instructio...
by newcollegeman
Sun Mar 03, 2019 10:36 pm
Forum: Personal Investments
Topic: Want no interest, dividends or distributions in 2019
Replies: 45
Views: 4835

Re: Want no interest, dividends or distributions in 2019

Thank you to all who have given input to my question. My personal situation is related to ACA Obamacare lower & upper cliffs, due to a child in college who has landed a 6 month engineering co-op position for summer & fall. That child’s income counts towards Household Income, even though I provide ov...
by newcollegeman
Thu Feb 28, 2019 10:16 pm
Forum: Personal Investments
Topic: Want no interest, dividends or distributions in 2019
Replies: 45
Views: 4835

Re: Want no interest, dividends or distributions in 2019

Ally Bank's 12 month CDs post only on maturity....

newcollegeman
by newcollegeman
Thu Feb 28, 2019 9:31 pm
Forum: Personal Investments
Topic: Want no interest, dividends or distributions in 2019
Replies: 45
Views: 4835

Re: Want no interest, dividends or distributions in 2019

Dear Bogleheads,

Thank you for your helpful input & ideas!

I will proceed with caution!!

Can't tell you how much our family owes to your wisdom & insight, inspired by our mentor Jack Bogle,

newcollegeman
by newcollegeman
Thu Feb 28, 2019 6:22 pm
Forum: Personal Investments
Topic: Want no interest, dividends or distributions in 2019
Replies: 45
Views: 4835

Want no interest, dividends or distributions in 2019

What investment options are there for not getting any interest, dividends or distributions in 2019? Not interested in commodities, currency, or cash under the mattress. Hate to just leave the money sitting in a non-interest bearing account. My concern is tax driven. I must be overlooking the obvious...
by newcollegeman
Fri Jan 18, 2019 12:52 pm
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 205
Views: 27799

Re: Tributes to Jack Bogle

So thankful for a fine man who did so much good for so many.

A real loss to all Bogleheads & beyond!
by newcollegeman
Sat Nov 03, 2018 8:13 am
Forum: Personal Finance (Not Investing)
Topic: New ACA 2018 Dependent Income Rules?
Replies: 13
Views: 951

Re: New ACA 2018 Dependent Income Rules?

HueyLD,

You said: "Since she is not required to file, you won’t have to include her income in the household income for the PTC."

2 Questions:

1) Even if I don't have to, is it OK if I do include her income in the household income for the PTC?

2) What does PTC mean?

Many thanks,

Newcollegeman
by newcollegeman
Sat Nov 03, 2018 6:17 am
Forum: Personal Finance (Not Investing)
Topic: New ACA 2018 Dependent Income Rules?
Replies: 13
Views: 951

Re: New ACA 2018 Dependent Income Rules?

Thank you both for helping me on this. I will model. This on TurboTax, since so much is at stake. And we will all file, so as to get withheld taxes back, not leave tuition credit on the table & simplify keeping above the ACA lower cliff! Can’t say enough about how the Bogleheads have been a source o...
by newcollegeman
Fri Nov 02, 2018 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: New ACA 2018 Dependent Income Rules?
Replies: 13
Views: 951

Re: New ACA 2018 Dependent Income Rules?

MP123, I need to avoid surprises: I just need to know what the proper thing to do is under the new law for 2018. It just strikes me that she must file, due to having had taxes withheld from wages that need to be reconciled & possibly refunded on $6000 of summer wages, as well as the need to file to ...
by newcollegeman
Fri Nov 02, 2018 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: New ACA 2018 Dependent Income Rules?
Replies: 13
Views: 951

New ACA 2018 Dependent Income Rules?

ACA Obamacare is a tax matter & I'm reading that Dependent Income Rules changed with the new tax law for 2018: http://www.healthreformbeyondthebasics.org/update-magi-changes-2018/ The above link claims that the Dependent Earned Income Filing Requirement has been raised for 2018 to $12,000, implying ...
by newcollegeman
Sun Sep 16, 2018 8:41 pm
Forum: US Chapters
Topic: Any interest in Roanoke, VA Valley BogleHeads chapter?
Replies: 9
Views: 1744

Re: Any interest in Roanoke, VA Valley BogleHeads chapter?

Yes, I am interested in attending, along with a family member or two.

How do we get started?
by newcollegeman
Fri Apr 13, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: IRS PIN failure
Replies: 2
Views: 537

IRS PIN failure

Has anyone else had the problem that their IRS PIN failed when electronically submitting their 2017 taxes?

Other than submitting a paper copy of my return, what else ought I to do?
by newcollegeman
Thu Mar 08, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead Educational Opportunities
Replies: 11
Views: 1228

Re: Boglehead Educational Opportunities

Thank you all for the kind replies.

Let me do some reading where you've pointed me & reflect on the fine challenge to better contribute on this front!

Bravo,

newcollegeman
by newcollegeman
Wed Mar 07, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead Educational Opportunities
Replies: 11
Views: 1228

Boglehead Educational Opportunities

Does any educational organization, institute, or college offer lectures or even a class in Boglehead-ism? After a year or two reading this website, I am convinced that exposure to the ideas & topics of concern on Boglehead.org would be a great life aid to many of my students. Informally, I can certa...
by newcollegeman
Sun Mar 04, 2018 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance in NC for 23 year old married couple
Replies: 1
Views: 267

Auto insurance in NC for 23 year old married couple

My son & his bride are moving from TX to NC for grad school: 23 years old 2 cars: 2010 Toyota RAV4 & 2015 Honda CRV Clean driving records North Carolina for 4 years of grad school Does anyone have experience with a good auto insurance company for this young 20-something age bracket and/or in the sta...
by newcollegeman
Mon Feb 05, 2018 7:36 pm
Forum: Investing - Theory, News & General
Topic: "A Target-Date Fund Series Wins Gold"
Replies: 35
Views: 5034

Re: "A Target-Date Fund Series Wins Gold"

Bogleheads: Good Target-Date Funds are my favorite funds for investors with portfolios with all tax-advantaged accounts. The more tax-efficient Three-Fund Portfolio is my favorite portfolio for investors holding both taxable and tax-advantaged accounts. Best wishes. Taylor Taylor, If one already ha...
by newcollegeman
Fri Dec 22, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 72196

Re: Tax Bill Omnibus Thread

Are rental property expenses such as mortgage interest and taxes still fully deductible on schedule E? Yes. The limitations apply to Schedule A, not Schedule E. Also, it looks like you can now fully expense some big ticket repairs (roofs, furnaces, etc.) that previously you needed to depreciate. Ca...
by newcollegeman
Wed Oct 25, 2017 8:28 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 238
Views: 46874

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

Wonderful!

When will the book be published? Ready to pre-order now!

Duncan
by newcollegeman
Wed Apr 05, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Lending a scooter to a friend for 3 months
Replies: 19
Views: 2411

Re: Lending a scooter to a friend for 3 months

Sell it to her & buy it back from her when she leaves.
The risk of losing the scooter is a wash.
Get a properly documented sale....
by newcollegeman
Sun Mar 26, 2017 4:23 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz's Three Bucket System
Replies: 77
Views: 14575

Christine Benz's Three Bucket System

I'm insterested in Boglehead viewpoints & critiques to Christine Benz's Three Bucket System.... M*'s Christine Benz has developed a Three Bucket System for managing the withdrawal mode in retirement. She has boutiqued her aggressive long term (+25 year) Three Bucket System into several different sug...
by newcollegeman
Thu Mar 02, 2017 10:49 pm
Forum: Personal Investments
Topic: New Participant Needs Advice
Replies: 5
Views: 673

Re: New Participant Needs Advice

I appreciate your kind advice.
by newcollegeman
Thu Mar 02, 2017 8:24 pm
Forum: Personal Investments
Topic: New Participant Needs Advice
Replies: 5
Views: 673

New Participant Needs Advice

After my father's recent death, I am caring for my disabled mother, including her finances. I would appreciate any advice you might offer on the best way to develop her portfolio. Her pension & SS income are modest, so she needs $5k/month from her investments for living expenses: Total in Roth IRA =...