Search found 139 matches

by Global100
Tue Jan 28, 2020 5:35 pm
Forum: Investing - Theory, News & General
Topic: Total Stock Market Index - Section 199A dividends this year
Replies: 162
Views: 17396

Re: Total Stock Market Index - Section 199A dividends this year

Anyone know the extent of Sec 199A dividends reported by other broad index funds or ETFs of other large brokers such as Schwab or Fido? Fidelity FSKAX US Total Stock Market index fund had no Section 199A dividends in 2019. Last year FSKAX distributed Unrecaptured Section 1250 gains, but there were ...
by Global100
Sat Jan 11, 2020 5:56 pm
Forum: Personal Investments
Topic: Assisting Parent with Dementia
Replies: 25
Views: 3350

Re: Assisting Parent with Dementia

Also have a general question on the topic (since the OP's thread was from 2017): Do most people in slow cognitive decline have a point of self-realization that they actually ask a trusted family member to take over financial control? Forgetting to make payments or rejected payments leads the individ...
by Global100
Sat Jan 11, 2020 5:38 pm
Forum: Personal Investments
Topic: VTSAX VS FSKAX [Vanguard vs. Fidelity Total Stock Market]
Replies: 17
Views: 10609

Re: VTSAX VS FSKAX [Vanguard vs. Fidelity Total Stock Market]

One possible consideration could be minimizing taxable distributions. FSKAX Distributes in April and December Buy $500,000 FSKAX on 1-02-2019 at NAV $70.66 equals 7076.139 shares April 2019 DIVIDENDS of 0.244 equals $1726.58 April 2019 CAP GAINS of 0.127 equals $898.67 Total April distributions of $...
by Global100
Fri Jan 03, 2020 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Returning to Mega Corp
Replies: 2
Views: 505

Re: Returning to Mega Corp

This is going to be an adventure! Challenge yourself. Read about up-and-coming practices, correspond with innovative minds, push the limits. Advocate for and shine a light on others whose work may be unnoticed. If salary is unneeded, you could use Uber for some/all commutes instead of being behind t...
by Global100
Fri Jan 03, 2020 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Combining IRA accounts
Replies: 4
Views: 554

Re: Combining IRA accounts

Separate accounts for separate beneficiaries: designate one account to a charity while designating a larger account to an individual, for example.
by Global100
Thu Jan 02, 2020 1:47 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1053
Views: 115111

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]

I will contribute to my Fidelity HSA account now that I am enrolled in a HDHP. I have a $50 covered expense I incurred today 01-01-2020 that I would like to claim now (instead of years later). Have you established and funded any HSA account yet? From what I can tell, expenses from prior to the date...
by Global100
Thu Jan 02, 2020 1:13 am
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 1298
Views: 101854

Re: My trend following strategy and experience

The last trade I made was in early September, which I moved from MCG to LCG. I'd have to go back and look, but I believe that I was only in EM for one month in 2019 and was in MCG and LCG the rest of the year. Both MCG (33.86% for VMGMX)and LCG (37.23% for VIGAX) significantly outperformed the S&P ...
by Global100
Wed Jan 01, 2020 11:25 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 1298
Views: 101854

Re: My trend following strategy and experience

Below are the results from my trend following strategy in 2019. 2019 Results Total return 18.7% Comparisons VTSAX = 30.80% VTIAX = 21.51% VSMGX (Vanguard LifeStrategy Moderate Growth 60/40) = 19.37% Re: 18.7% According to your TF plan, you were supposed to move your funds out of stocks earlier in J...
by Global100
Wed Jan 01, 2020 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP -- does one usually get billed the full charges or a reduced plan amount?
Replies: 17
Views: 1064

Re: HDHP -- does one usually get billed the full charges or a reduced plan amount?

Paying a lower cash amount instead of going through insurance seems fine for a small charge. However, that amount then doesn't count toward the Out of Pocket Max. If, later in the year, the insured individual is hospitalized (accumulating amounts over the OOP max), then that $140 cash payment made ...
by Global100
Wed Jan 01, 2020 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP -- does one usually get billed the full charges or a reduced plan amount?
Replies: 17
Views: 1064

Re: HDHP -- does one usually get billed the full charges or a reduced plan amount?

For health insurance companies that offer a HDHP plus various deductible plans, does the in-network plan rate vary for the same exact service? For example, NYC Anthem HDHP $6900 OOP Dr. QWERTY office in NYC Office Visit Charge $220 In-Network Plan Rate: $190 NYC Anthem $3000 Deductible plan Dr. QWE...
by Global100
Wed Jan 01, 2020 9:28 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1053
Views: 115111

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]

I will contribute to my Fidelity HSA account now that I am enrolled in a HDHP. I have a $50 covered expense I incurred today 01-01-2020 that I would like to claim now (instead of years later). Questions: Do I only deposit $3500 in the HSA and keep $50 in my bank account, but still claim $3550 as my ...
by Global100
Wed Jan 01, 2020 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP -- does one usually get billed the full charges or a reduced plan amount?
Replies: 17
Views: 1064

Re: HDHP -- does one usually get billed the full charges or a reduced plan amount?

For health insurance companies that offer a HDHP plus various deductible plans, does the in-network plan rate vary for the same exact service? For example, NYC Anthem HDHP $6900 OOP Dr. QWERTY office in NYC Office Visit Charge $220 In-Network Plan Rate: $190 NYC Anthem $3000 Deductible plan Dr. QWER...
by Global100
Tue Dec 31, 2019 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP -- does one usually get billed the full charges or a reduced plan amount?
Replies: 17
Views: 1064

HDHP -- does one usually get billed the full charges or a reduced plan amount?

Under a basic (non-HDHP) plan, a bill usually lists: Doctor visit, not a physical Charge: $220 In- Network Plan Rate: $101 With a HDHP, however, the plan pays almost nothing until the out-of-pocket max is met. Is there a reduced plan rate with an HDHP for using an in-network doctor? For example, doe...
by Global100
Sun Dec 29, 2019 3:20 pm
Forum: Investing - Theory, News & General
Topic: Comparing approximate distributions of various Total US Market index funds (Fid, VG, Schwab, iShares)
Replies: 5
Views: 495

Comparing approximate distributions of various Total US Market index funds (Fid, VG, Schwab, iShares)

Some investors are looking at minimizing taxable distributions with their Total US Market index fund investments. Here's an approximate comparison of various Total US Market index fund distributions in 2019; all hypothetically bought $10,000 on January 2, 2019 closing NAV/price: Start with two distr...
by Global100
Sat Dec 14, 2019 10:27 pm
Forum: Investing - Theory, News & General
Topic: Why did Fidelity Total Market Index fund drop -1.55% today?
Replies: 77
Views: 6599

Re: Why did Fidelity Total Market Index fund drop -1.55% today?

Huh? 12/16 is Monday. The Dividend distribution will likely appear on Monday. The Capital Gains distribution was 12/28 last year. Did you miss the part where I reported the exact date and amount of the FSKAX estimated capital gains distributions. Year-end 2018, both the dividend and capital gains d...
by Global100
Sun Dec 08, 2019 4:36 pm
Forum: Personal Investments
Topic: Helping 24yo daughter to investing for long term
Replies: 25
Views: 2319

Re: Helping 24yo daughter to investing for long term

If this is your adult child's first year with foreign investments in a taxable account, then be sure to mention about the foreign tax credit if manually completing taxes in 2020.
by Global100
Sat Oct 19, 2019 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Breaking a commercial real estate lease
Replies: 3
Views: 488

Breaking a commercial real estate lease

When leasing commercial real estate for a small business, the owner usually has to sign a multi-year lease. Say that the business has been losing money each month and the owner needs to stop the bleed. The owner usually cannot just give a 30-day notice and freely walk away with five years left on th...
by Global100
Sun Oct 13, 2019 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Who has or Plans to Sign up for an IRS IP PIN
Replies: 14
Views: 1748

Re: Who has or Plans to Sign up for an IRS IP PIN

... relying (waiting) on the IRS to send them. What if we don't get them for some reason? I created an IRS online account (which requires an authetication process). I log into my account with my own password, and then the IRS system sends me a text message code to my phone. When I enter that text c...
by Global100
Fri Sep 13, 2019 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Move up in house?
Replies: 25
Views: 2882

Re: Move up in house?

Have kids. They would absolutely love the house. Sounds like you could be moving your children relatively far away. Do they have very close friends in your current neighborhood? Ask them for their input. But it's another factor to consider if your current neighborhood is too dangerous for them, etc.
by Global100
Sun Sep 08, 2019 7:09 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 1298
Views: 101854

Re: My trend following strategy and experience

Another go at the UER calculation. I think this is what another poster (Gobal100) meant way back on page 3. Suppose a month is reported as 3.8. Due to rounding this could range from 3.76 to 3.84 in the actual Fed data which is rounded to 3.8 in the report. So in the worst case rounding issue a 12 m...
by Global100
Sun Jul 14, 2019 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 155
Views: 10482

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

Computer science has become my new first choice. It sounds very intimidating from all the information online from those who pursued this path. I've been out of school for many years and it looks like I'd have to jump feet first into calculus. I have never dabbled with it even once in my life. Is th...
by Global100
Sun Jul 14, 2019 4:40 pm
Forum: Investing - Theory, News & General
Topic: A 1971 report on investing for retirement
Replies: 2
Views: 1352

Re: A 1971 report on investing for retirement

A farming crisis lay ahead of 1971. Reminds me of John Mellencamp's 1985 music video for his "Rain on the Scarecrow" song on YouTube: Rain on the scarecrow blood on the plow This land fed a nation this land made me proud And son I'm just sorry there's no legacy for you now Rain on the scarecrow bloo...
by Global100
Sat Jul 13, 2019 1:02 am
Forum: Investing - Theory, News & General
Topic: Questions about unsettled funds and freeriding trade violations
Replies: 8
Views: 896

Re: Questions about unsettled funds and freeriding trade violations

I now understand the freeriding violation better; thanks to venkman and 123.
I don't ever sell stock B until the funds from Stock A have settled
I think I now understand, in the unsettled funds example, that selling stock B would create a freeriding violation on Tuesday. Thank you.
by Global100
Fri Jul 12, 2019 9:49 pm
Forum: Investing - Theory, News & General
Topic: Questions about unsettled funds and freeriding trade violations
Replies: 8
Views: 896

Questions about unsettled funds and freeriding trade violations

Something I've been wondering. From Vanguard's website about trading violations and penalties: Liquidations resulting from unsettled trades This violation occurs when you buy a security in a cash account using sales proceeds that haven't yet settled. Then you sell the recently purchased security bef...
by Global100
Sat Jun 22, 2019 8:58 pm
Forum: Personal Investments
Topic: Best TLH partner for Total Stock Market (VTSAX)?
Replies: 16
Views: 1351

Re: Best TLH partner for Total Stock Market (VTSAX)?

I'm guessing you don't want to switch to ETFs but you could use VTI , SCHB, and ITOT which are based on three different total US market indices. To avoid a wash, an investor/OP could tax loss harvest VTSAX but needs to wait until after the wash sale period ends to buy VTI. They're the same Vanguard...
by Global100
Sat Jun 22, 2019 7:20 pm
Forum: Personal Investments
Topic: Best TLH partner for Total Stock Market (VTSAX)?
Replies: 16
Views: 1351

Re: Best TLH partner for Total Stock Market (VTSAX)?

Sell VTSAX and buy S&P 500 Index Fund (VFIAX) plus the Extended Market completion index (VEXAX) in the proportion mentioned in the BH wiki: https://www.bogleheads.org/wiki/Approximating_total_stock_market Currently it's about 82% VFIAX and 18% VEXAX. This duo of mutual funds has a very slightly high...
by Global100
Fri Jun 14, 2019 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Amended Tax Return
Replies: 6
Views: 703

Re: Amended Tax Return

The IRS might be catching up from the government shutdown.
by Global100
Fri Jun 14, 2019 2:34 pm
Forum: Personal Consumer Issues
Topic: Target Red Card Auto-Pay Deceit Warning
Replies: 21
Views: 4451

Re: Target Red Card Auto-Pay Deceit Warning

Capital One has a similar auto pay policy to the one described in the OP. There is potential for greater impact when choosing auto pay for the full statement balance (vs. minimum payment) with Capital One: A cardholder's statement balance of $10,000 is set to auto pay at the end of June. But the car...
by Global100
Wed May 29, 2019 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Why don't small businesses for sale list their earnings AFTER taxes?
Replies: 6
Views: 530

Why don't small businesses for sale list their earnings AFTER taxes?

I'm looking to buy a small business (my first). The listings of businesses for sale disclose the gross revenues and the cash flow. Cash flow is net income before deducting business taxes. The seller doesn't even have an option to enter a figure for how much the business netted after its tax liabilit...
by Global100
Thu May 23, 2019 8:46 am
Forum: Personal Investments
Topic: Estimating percent return on investment (small business)?
Replies: 9
Views: 639

Re: Estimating percent return on investment (small business)?

A quick question... The website listing sale of the business defines cash flow with a general example: "if the net profit before taxes was $100,000 and the owner was paid $70,000 then the cash flow is $170,000." The cash flow on this business's listing is $40,000. Then business taxes still have to b...
by Global100
Wed May 22, 2019 2:25 pm
Forum: Personal Investments
Topic: Estimating percent return on investment (small business)?
Replies: 9
Views: 639

Re: Estimating percent return on investment (small business)?

The business opportunity is categorized as "absentee ownership." Certainly not passive, but it already has solid staff already in place. It's appealing to keeping my other work while potentially growing this business on the side. I called the broker who shared little, but I got the work space lease ...
by Global100
Wed May 22, 2019 9:10 am
Forum: Personal Investments
Topic: Estimating percent return on investment (small business)?
Replies: 9
Views: 639

Re: Estimating percent return on investment (small business)?

I took the numbers from the business sale listing. Specific figures would be revealed later in the disclosure process. For simplicity, let's assume this business has zero debt . (edited deleted rest: my mistake--leases are still liabilities) Assuming zero debt, what do Bogleheads think of the figure...
by Global100
Wed May 22, 2019 12:14 am
Forum: Personal Investments
Topic: Estimating percent return on investment (small business)?
Replies: 9
Views: 639

Estimating percent return on investment (small business)?

There is a small business for sale. Current owner has a different full-time job elsewhere and has been working on this business in spare time with other employees running it daily. asking price: $200,000 US Dollars annual gross revenues: $570,000 cash flow: $40,000 [In the listing, Cash Flow is defi...
by Global100
Sat Mar 23, 2019 11:21 pm
Forum: Personal Investments
Topic: VTWAX - missing dividend reinvestment?
Replies: 10
Views: 1676

Re: VTWAX - missing dividend reinvestment?

Check your "Transaction History" to see if the amount of the dividend reinvestment is accounted there for 3/22 reinvestment date. With VTSAX, the dividend amount that was reinvested was there for me to see first this morning before the new cost basis purchase lot was added for VTSAX.
by Global100
Mon Mar 11, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: $1800 preventive maintenance for car vs running it to the ground
Replies: 15
Views: 1874

Re: $1800 preventive maintenance for car vs running it to the ground

Running the car until it breaks is a risk:

you could be stranded;

sudden vehicle failure could place you and your passengers in a dangerous situation involving other traffic.
by Global100
Mon Feb 18, 2019 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Dividend holding period not met… simple QDI tax math/understanding correct?
Replies: 28
Views: 1236

Re: Dividend holding period not met… simple QDI tax math/understanding correct?

Since Turbo Tax lowers QDI without any explanation, then I'll do the same on IRS Free File. Thanks!
by Global100
Mon Feb 18, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Dividend holding period not met… simple QDI tax math/understanding correct?
Replies: 28
Views: 1236

Re: Dividend holding period not met… simple QDI tax math/understanding correct?

I complete taxes with IRS Free File program. I too had QDI which did not meet the personal holding period. S&P500 was 100% QDI, so I will just directly subtract from my QDI total where the holding period was not met. Do I just claim less QDI on my 1040 than on my 1099-DIV, or do I need to document/e...
by Global100
Sat Feb 16, 2019 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Help with difficult work situation
Replies: 48
Views: 3922

Re: Help with difficult work situation

Be a class act. Continue to do amazing work for the company (while looking outside the organization). When/if another position arises, thank them for all the opportunities they've provided for you and offer to help with the transition as much as possible. Leave on great terms so they might welcome y...
by Global100
Sat Feb 16, 2019 11:15 am
Forum: Investing - Theory, News & General
Topic: Do bond index mutual funds' NAVs adjust like equity index funds? (dividend/distribution)
Replies: 8
Views: 471

Re: Do bond index mutual funds' NAVs adjust like equity index funds? (dividend/distribution)

Thank you for explaining that.

Follow up question: Are bond fund holders able to avoid the distribution (especially if held in taxable) by selling just before ex-dividend?
by Global100
Sat Feb 16, 2019 10:34 am
Forum: Investing - Theory, News & General
Topic: Do bond index mutual funds' NAVs adjust like equity index funds? (dividend/distribution)
Replies: 8
Views: 471

Do bond index mutual funds' NAVs adjust like equity index funds? (dividend/distribution)

Start with a bond fund that has a $100.00 NAV. Invest 10 shares ($1000) in a Fidelity Roth IRA account. The investors sells at the end of a month on the day of the dividend with a 4:00 pm NAV of $100.00 also. The month ends with a $2.50 dividend. The NAV is adjusted, so the investor has $997.50 valu...
by Global100
Fri Feb 15, 2019 4:58 pm
Forum: Investing - Theory, News & General
Topic: Treasury money mkt. vs prime money mkt.
Replies: 4
Views: 729

Re: Treasury money mkt. vs prime money mkt.

Vanguard Prime Money Market (VMMXX) quoted 2.5% compound annual interest, whereas Vanguard Treasury Money Market (VUSXX) compound yield was 2.36%. You seem to already know that VUSXX is exempt from state tax, but VMMXX is taxable by both IRS and state. Here is a thread about the risks of VMMXX: http...
by Global100
Mon Feb 04, 2019 6:22 pm
Forum: Investing - Theory, News & General
Topic: Inherited IRA RMD to Roth IRA
Replies: 22
Views: 1932

Re: Inherited IRA RMD to Roth IRA

VG also opened a settlement account, Federal Money Mkt account without me asking.
Vanguard Federal Money Market, VMFXX, has a current 30 day SEC Yield of 2.32%. That's a good deal.
by Global100
Mon Jan 28, 2019 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Wash Sale From Dividend Reinvestment
Replies: 7
Views: 766

Re: Wash Sale From Dividend Reinvestment

Here is a thread involving a wash sale involving VTI and VTSAX, with one in taxable and one in IRA. The same replier here, rkhusky, even provided clear calculations at the end of the thread -- see reply dated January 7, 2019. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=268817&p=4307376#p430...
by Global100
Mon Jan 28, 2019 11:25 am
Forum: Investing - Theory, News & General
Topic: "Five pieces of advice from John Bogle"
Replies: 4
Views: 1271

Re: "Five pieces of advice from John Bogle"

Mindboggling title of Vanguard's upcoming webcast: "Cutting Through the Noise—Hear Directly From Our Experts"
by Global100
Mon Jan 28, 2019 11:09 am
Forum: Investing - Theory, News & General
Topic: Another market timing thread (Chart)
Replies: 38
Views: 3030

Re: Another market timing thread (Chart)

but unfortunately he needs to exit the market 30 years later (a reasonable investing timespan)
Do you plan on holding 100% bonds/cash 30 years from now at age 59? Retirees who invested in Target Date 2015 (VTXVX), for example, still maintain about 39% allocation to stock through that fund.
by Global100
Thu Jan 24, 2019 12:17 pm
Forum: Investing - Theory, News & General
Topic: The problem with TLH...
Replies: 46
Views: 3687

Re: The problem with TLH...

Some harvest and sit in cash until 30 days have passed. With the benefit of hindsight, imagine doing exactly that on 12/24/18 when the US market dropped over 3% in one day. If one had chosen to sit out of the market for 30 days, then today is the day to buy back...at a price 12% higher.
by Global100
Thu Jan 24, 2019 12:10 pm
Forum: Investing - Theory, News & General
Topic: US stock index with ex-US stocks, and Total International with US stocks?
Replies: 3
Views: 307

Re: US stock index with ex-US stocks, and Total International with US stocks?

Moved to Cork, Ireland as a tax-avoidance maneuver. Other S&P 500 companies are in Curaçao, Switzerland, Ireland, the UK, the Netherlands. So, it's an Irish company, but JCI is listed on the NYSE so it's part of the US stock market. Thank you for this specific example which clearly illustrates the ...
by Global100
Thu Jan 24, 2019 11:02 am
Forum: Investing - Theory, News & General
Topic: US stock index with ex-US stocks, and Total International with US stocks?
Replies: 3
Views: 307

US stock index with ex-US stocks, and Total International with US stocks?

Morningstar X-Ray shows that VTSAX (US Total Stock Market) has .87% ex-US stocks. Looking at mid-cap and small cap stocks in U.S. Extended Market fund (VEXAX), X-Ray shows .24% in Latin American stock, 0.02% allocation in Africa stock and 0.5% in Asia Emerging stock. Additionally, an ex-US index of ...
by Global100
Mon Jan 21, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 7611

Re: Paying thousands per ticket to attend the NFL Super Bowl?

The least expensive tickets to buy directly from the NFL (face value) for recent Super Bowls averaged about $3500.