Search found 146 matches

by pkay
Mon Aug 24, 2020 7:43 am
Forum: Investing - Theory, News & General
Topic: A Plea for Ordinary English
Replies: 128
Views: 9701

Re: A Plea for Ordinary English

I second the use of terms that an "average" (not academic and not completely clueless) and also introduce the abbreviation before using it. I also find myself going to urbandictionary.com fairly often when I'm browsing the forum.
by pkay
Wed Aug 12, 2020 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Prices Not Pulling on Google Sheets
Replies: 9
Views: 706

Re: Prices Not Pulling on Google Sheets

I didn't realize when I copied and pasted the formula I use, there was something that got embedded in the hyperlink so you cant see the whole thing. See the first post in this thread, use the formula and replace that last 7 with 6. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=240332 Cell B2 ...
by pkay
Wed Aug 12, 2020 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Prices Not Pulling on Google Sheets
Replies: 9
Views: 706

Re: Prices Not Pulling on Google Sheets

It worked. Thank you, anon_investor.
by pkay
Tue Aug 11, 2020 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Prices Not Pulling on Google Sheets
Replies: 9
Views: 706

Prices Not Pulling on Google Sheets

Hi BHs, I keep quick tabs of the value of my portfolio on Google Sheets. It's been working fine until a few weeks ago when i noticed the price column is not pulling price per the ticker symbol. The formula pulls one large cap prices, like S&P 500, and everything else is shown "#VALUE!" Is anyone exp...
by pkay
Wed Aug 05, 2020 11:59 am
Forum: Personal Consumer Issues
Topic: What expenditures improved your happiness/quality of life?
Replies: 217
Views: 39549

Re: What expenditures improved your happiness/quality of life?

regular giving, new energy efficient washer and dryer, a minivan with young kids and a tight garage, money spent on experiences and not possessions per se,
by pkay
Sat Apr 25, 2020 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: CARES stimulus check for elderly parents
Replies: 15
Views: 1396

Re: CARES stimulus check for elderly parents

Thanks for the explanation. I'm keeping parents on my tax return. If the law changes later and they become eligible, that's cool.
by pkay
Fri Apr 24, 2020 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: CARES stimulus check for elderly parents
Replies: 15
Views: 1396

Re: CARES stimulus check for elderly parents

Appreciate everyone's input. Definitely not trying to break the law here. Just hoping that there is a way that my parents can get stimulus checks too. Also, yes, my parents together make below the income threshold. What I don't quite get is, I have been supporting them for many years now, only the p...
by pkay
Fri Apr 24, 2020 6:18 am
Forum: Personal Finance (Not Investing)
Topic: CARES stimulus check for elderly parents
Replies: 15
Views: 1396

Re: CARES stimulus check for elderly parents

Katietsu wrote: Fri Apr 24, 2020 2:07 am If they are not your dependents in 2020, they can file next year and get the $2400.
That's good news! We will wait another year then...
by pkay
Fri Apr 24, 2020 6:17 am
Forum: Personal Finance (Not Investing)
Topic: CARES stimulus check for elderly parents
Replies: 15
Views: 1396

Re: CARES stimulus check for elderly parents

Do you provide more than half of their support? The law states if they can be claimed as a dependent they don’t get stimulus check. So even if they can be claimed and you choose not to they aren’t supposed to get the stimulus legally speaking. If you provide more than half of their support they can...
by pkay
Thu Apr 23, 2020 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: CARES stimulus check for elderly parents
Replies: 15
Views: 1396

Re: CARES stimulus check for elderly parents

Thank you for the feedback. You’re right Fivek. My parents did not get the checks I’m totally baffled by this. My parents friends who receive plenty of pension, social security, etc got the checks even though comparatively my parents need them more. Or I should say, it would be helpful for me if my ...
by pkay
Thu Apr 02, 2020 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: CARES stimulus check for elderly parents
Replies: 15
Views: 1396

CARES stimulus check for elderly parents

Hello, DW and I were planning to claim my parents when we file our 2019 tax return. Then this whole COVID-19 thing happened. IRS recently issued some guidance about how people who don't make enough to file their own taxes can claim their stimulus checks. However, I'm still not clear my parents' situ...
by pkay
Sun Mar 22, 2020 8:21 pm
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 140
Views: 11063

Re: Daycare closed

Our thought is this: As long as DW and I are still getting paid, we will continue to pay our kids daycare through it’s closure bc the center has made it clear that it intends to keep paying their staff during closure. The workers also need to be paid too. We should do whatever we can do help.
by pkay
Fri Mar 06, 2020 10:14 pm
Forum: Personal Investments
Topic: Would this be a wash sale?
Replies: 12
Views: 778

Re: Would this be a wash sale?

one more question, If I bought ETF B today, and I incur a substantial enough of loss in a week or less , could I sell ETF B and buy ETF C (one that is not substantially identical to ETFs A and B) for TLH purposes? You can have a tax loss in 10 minutes. No limit on how quickly the asset is sold. Jus...
by pkay
Fri Mar 06, 2020 10:08 pm
Forum: Personal Investments
Topic: Would this be a wash sale?
Replies: 12
Views: 778

Re: Would this be a wash sale?

And if I may add, the time limit is 30 calendar days (which confusingly means give it 31 days) before or after the sale at a loss. Buying replacement shares today, then selling the old loss-making lot of shares tomorrow, is indeed a wash sale. We don't know precisely what Congress's term substantia...
by pkay
Fri Mar 06, 2020 10:06 pm
Forum: Personal Investments
Topic: Would this be a wash sale?
Replies: 12
Views: 778

Re: Would this be a wash sale?

Yes you can do that. Why are you bringing multiple non-identical funds into the scenario when they can't be a wash? Thanks, mega. In this case, I wasn't sure if there are limits about how long I need to hold the fund for before I can sell it for loss - and if violating some minimum holding term lim...
by pkay
Fri Mar 06, 2020 3:27 pm
Forum: Personal Investments
Topic: Would this be a wash sale?
Replies: 12
Views: 778

Re: Would this be a wash sale?

one more question,
If I bought ETF B today, and I incur a substantial enough of loss in a week or less, could I sell ETF B and buy ETF C (one that is not substantially identical to ETFs A and B) for TLH purposes?
by pkay
Thu Mar 05, 2020 1:29 pm
Forum: Personal Investments
Topic: Would this be a wash sale?
Replies: 12
Views: 778

Re: Would this be a wash sale?

Thanks David Jay!
by pkay
Thu Mar 05, 2020 12:40 pm
Forum: Personal Investments
Topic: Would this be a wash sale?
Replies: 12
Views: 778

Would this be a wash sale?

Would like your feedback if a hypothetical scenario would cause a wash sale... I may be over thinking so can't figure out if the following would trigger a wash sale for TLH purposes. I hold ETF A in my portfolio that has some lots that are in unrealized short and long term loss, except one lot that ...
by pkay
Wed Feb 26, 2020 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct - how to report excess HSA contribution that was already withdrawn?
Replies: 4
Views: 351

Re: TaxAct - how to report excess HSA contribution that was already withdrawn?

Thanks, aristotelian. I do recall there is a number in Box 2 on the 1099-SA. I'll double check. *update - just checked, there is a number in Box 2.* I do not know your question about Form 8889 and Form 5329 yet. I am pretty sure I can review the draft tax return before I click submit so I'll do that...
by pkay
Wed Feb 26, 2020 11:30 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct - how to report excess HSA contribution that was already withdrawn?
Replies: 4
Views: 351

Re: TaxAct - how to report excess HSA contribution that was already withdrawn?

Spirit Rider, thank you for your feedback. I did not get a chance to open up the software last night. Hopefully will get around to it tonight. I answered series of questions and do remember being a little unsure about one of them. I'll post a screenshot of it later.
by pkay
Tue Feb 25, 2020 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct - how to report excess HSA contribution that was already withdrawn?
Replies: 4
Views: 351

TaxAct - how to report excess HSA contribution that was already withdrawn?

Hey BHs, Is anyone using TaxAct to file their taxes and familiar with how to report excess HSA contribution in Other Income section? The situation is this: I front loaded my HSA contribution in 2019 and then got a new job in May. I requested the excess contribution plus interest earned from Fidelity...
by pkay
Wed Feb 19, 2020 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Do I report dependent (parent) social security income on my tax return?
Replies: 12
Views: 1468

Re: Do I report dependent (parent) social security income on my tax return?

Thank you. Yes, to clarify, I provided more than half of my mother's cost of living last year. Looks like I could claim her on my tax return.
by pkay
Wed Feb 19, 2020 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Do I report dependent (parent) social security income on my tax return?
Replies: 12
Views: 1468

Re: Do I report dependent (parent) social security income on my tax return?

Hi all,
Thanks for the links...I did check before that I could claim my mother. My sibling and I provide 80% or more of my parents living expenses. Their SSI is small.
by pkay
Wed Feb 12, 2020 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Do I report dependent (parent) social security income on my tax return?
Replies: 12
Views: 1468

Re: Do I report dependent (parent) social security income on my tax return?

Sorry for the delay, a follow up question... My father and mother are married (2019 and onward). My father is only on social security supplemental income. My mother received SSI and a little bit of social security income. Is it possible for me to claim one parent (say for example, my mother) and my ...
by pkay
Fri Jan 31, 2020 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Do I report dependent (parent) social security income on my tax return?
Replies: 12
Views: 1468

Re: Do I report dependent (parent) social security income on my tax return?

Thanks, Gill.

Sounds like we still claim my mother as dependent on our tax return and fill out the forms as what we have always done.

Do I not need to report it because she’s over 65 or is it because my mothers social security income is under the reportable limits?
by pkay
Fri Jan 31, 2020 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Do I report dependent (parent) social security income on my tax return?
Replies: 12
Views: 1468

Do I report dependent (parent) social security income on my tax return?

Hi BHs, Spouse and I have been claiming my mother on our tax return (she meets all the eligibility criteria). Last year she turned 65 and started receiving social security income near year end. In 2019, her social security income is about $1100. She also gets some social security supplemental income...
by pkay
Fri Jan 03, 2020 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Navy Federal Master Card Pay Balance in Full
Replies: 6
Views: 733

Re: Navy Federal Master Card Pay Balance in Full

we have a NF credit card too and use an external account to pay NF card balance. we also found out that there is no way to pay the statement balance in full from an external bank using the auto pay option. However, you are able to pay the statement balance in full from an external account - you just...
by pkay
Fri Dec 13, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Need help. Daycare vs Nanny.
Replies: 86
Views: 4783

Re: Need help. Daycare vs Nanny.

What are the terms of the nanny arrangement? Who's doing the screening and hiring? Where are you or is he going to look for one? I've heard that sometimes it can take a while to find a suitable nanny. Is this for a year or two years? Being naturally suspicious of too good to be true offers, I'd also...
by pkay
Thu Dec 12, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Is a minivan worth it?
Replies: 86
Views: 6866

Re: Is a minivan worth it?

I heard that minivans are going out of popularity with Americans now. my family is the opposite. I've been waiting for us to outgrow our sedan. The time finally came. we did a lot of research on the Odyssey, Sienna, Sedona and found that Odyssey reliability has gone down the hill since 2017. We also...
by pkay
Wed Dec 11, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: What to do with old sheets and linens?
Replies: 37
Views: 2859

Re: What to do with old sheets and linens?

you might be able to recycle them at H&M if you don't have any luck of giving to organization that reuse them.
by pkay
Mon Dec 09, 2019 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Saving up for car vs Investing and take out car loan
Replies: 26
Views: 1781

Re: Saving up for car vs Investing and take out car loan

I'd try to figure out how much is the car you want to buy (model, year, used or new) so you know your savings goal. new cars usually have 0% financing but it may be more expensive than you'd want to buy even with 0% financing. I'm a proponent of used cars and like to pay cash for the car. It takes s...
by pkay
Wed Dec 04, 2019 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: how much to tip the cleaning lady
Replies: 76
Views: 5411

Re: how much to tip the cleaning lady

I think it's the least we can do to tip the person who helps keep your home tidy. Think about the work that they do, all day. It's demanding on the body. One session or one month's cost is good. Generosity is a virtue. My grandparents cleaned houses in their younger days to help make ends meet so I ...
by pkay
Tue Dec 03, 2019 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: How not to feel poor...
Replies: 78
Views: 13095

Re: How not to feel poor...

What you have is by no means poor. You have a house that is paid for. Plenty of money in the bank (certainly more than we have). Two adult children and a lovely wife who wants to spend time with you. It's good to spend what you have as long as it is within your means. Make memories and enjoy life to...
by pkay
Tue Dec 03, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 173831

Re: What frugal thing did you do today?

bought a 4 year old minivan with all the bells and whistles instead of a brand new one. Saved about $20K for buying used. Been very happy with our purchase!
by pkay
Tue Oct 29, 2019 8:20 am
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 10652

Re: How much do you plan to spend on your children's weddings?

DW and I paid for our wedding, $20k in a MCOL city 6 years ago for about 150 people. Neither of us come from affluent families even though I have high income job and low savings and lot of debt at the time we wanted to get married. To not incur more debt, I worked 2 jobs to pay for our wedding withi...
by pkay
Sat Aug 24, 2019 3:28 pm
Forum: Personal Investments
Topic: Capital Gain Taxes and withdrawals
Replies: 12
Views: 1197

Re: Capital Gain Taxes and withdrawals

Question, doesn’t a fund keep making distributions on the same dates so one would always be receiving distributions while waiting for the previous distribution to be long term (more than a year)?
by pkay
Tue Aug 20, 2019 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: HSA investing fee (PayFlex)
Replies: 28
Views: 2530

Re: HSA investing fee (PayFlex)

Been following this thread to see if there's anyone here who is still working and have ongoing HSA contribution via payroll deductions to Payflex HSA account. Anyone? I got the email about Payflex charging an AUM fee in October this year and was wondering what the best way is to transfer money out (...
by pkay
Wed Aug 14, 2019 9:26 am
Forum: Investing - Theory, News & General
Topic: Has anybody bought Wellington,Wellesley,LifeStra and just said the heck with the taxes or is that just dumb in taxable?
Replies: 48
Views: 3771

Re: Has anybody bought Wellington,Wellesley,LifeStra and just said the heck with the taxes or is that just dumb in taxa

OP, I used to have 300K of the Wellington Fund and Lifestrategy Moderate Growth fund (combined) in my taxable account. I only move them out of the taxable account when my taxable portfolio is 500K. In summary, only if your taxable portfolio is big enough, it matters. KlangFool KlangFool, mind expla...
by pkay
Wed Aug 14, 2019 8:04 am
Forum: Personal Investments
Topic: Are we on the right track? -- please review portfolio
Replies: 4
Views: 1884

Re: Are we on the right track? -- please review portfolio

I recognize the post is long but would like feedback from more Bogleheads. Thanks!
by pkay
Tue Aug 13, 2019 9:24 pm
Forum: Personal Investments
Topic: Are we on the right track? -- please review portfolio
Replies: 4
Views: 1884

Re: Are we on the right track? -- please review portfolio

Thank you Duckie for your feedback. I have some questions and answers to your response. 15% bonds is low for your ages. I recommend at least 25% if not 30% bonds. Understood. It's at 15% bond because we only started paying attention to our retirement accounts 3 years ago so wanted to be aggressive f...
by pkay
Tue Aug 13, 2019 9:30 am
Forum: Personal Investments
Topic: Are we on the right track? -- please review portfolio
Replies: 4
Views: 1884

Are we on the right track? -- please review portfolio

DW and I made some changes to our investments a year ago. Since then our portfolio has gotten large in terms of the number of investments we hold due to job change and TLH last year. Our disposable income has increased this year but will decrease again next year so we will not be able to save and in...
by pkay
Fri Aug 09, 2019 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Pretty much broke --- what would you advise?
Replies: 85
Views: 10414

Re: Pretty much broke --- what would you advise?

Sorry to hear about your former coworker. I'd agree with not taking more risks with her IRA money. Maybe she can look into a local church or nonprofit to work part time. or part time nanny? I'd understand it can be a more physically demanding job but she may be able to do it if healthy and can cook,...
by pkay
Thu Aug 08, 2019 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Oh geeze. How should I pay for this? Walk me off the ledge
Replies: 52
Views: 6703

Re: Oh geeze. How should I pay for this? Walk me off the ledge

In our case, the OBGYN office billed us a portion of the cost of the pregnancy care about 6-8 weeks before baby was due. The rest of the cost was billed after DW delivered baby. I'd caution that you check all the line items on the bill to be sure that they are charging correctly and in-network rate ...
by pkay
Thu Aug 08, 2019 7:09 am
Forum: Personal Investments
Topic: Is this a logical selling strategy?
Replies: 10
Views: 1059

Re: Is this a logical selling strategy?

The last car we bought (at almost the same price) was put on AMEX for travel points; that got us a very nice "free" trip, and it was paid off that month from money accumulated in bank (at 2.5%). For us, that worked better, simpler. I agree with the other responses that it may be more hassle than it...
by pkay
Wed Aug 07, 2019 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: new job doesn't have HDHP/HSA but I already contributed the max for 2019
Replies: 4
Views: 946

Re: new job doesn't have HDHP/HSA but I already contributed the max for 2019

Hi megabad, I withdrew the excess contribution plus interest growth from Fidelity (who now holds my HSA investment). Before I left my former employer, I transferred all my HSA funds from HSA Bank to Fidelity. In terms of who I informed of the excess contribution, it's only Fidelity - neither my form...
by pkay
Tue Aug 06, 2019 7:58 am
Forum: Personal Finance (Not Investing)
Topic: new job doesn't have HDHP/HSA but I already contributed the max for 2019
Replies: 4
Views: 946

Re: new job doesn't have HDHP/HSA but I already contributed the max for 2019

Hi, thanks for your response. i pulled 7 months out of mine. I made a typo... meant i was in old job for 5 months so should only have contributed 5 months of $3500. I dont know if I made it more complicated or not by only pulling out 7 months instead of the entire amount.
by pkay
Thu Jul 25, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 173831

Re: What frugal thing did you do today?

Biked to work this week but also ate out twice for lunch. will do better next week.
by pkay
Tue Jul 23, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: new job doesn't have HDHP/HSA but I already contributed the max for 2019
Replies: 4
Views: 946

new job doesn't have HDHP/HSA but I already contributed the max for 2019

BHs, I was commenting another post about HSA and realized I need some help with mine. At the beginning of 2019, spouse and I both have HDHP and HSA. Kids are insured under spouse plan. For simplicity purpose, we each contribute $3,500 to our own HSA. I already maxed out my $3,500 for 2019. However, ...
by pkay
Tue Jul 23, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Wife (teacher) and I are trying for a baby. What are some "must-knows" and other tips?
Replies: 127
Views: 12698

Re: Wife (teacher) and I are trying for a baby. What are some "must-knows" and other tips?

Start saving for college early . Ear mark a set amount each month to invest and just consider it 'off limits' except for college expenses. We did that and put two kids thru 5 years of college each (the plan was 4, but I predicted 5 - and was right); no loans, no debts. my kid(s) will be getting ful...
by pkay
Tue Jun 25, 2019 8:59 am
Forum: Personal Investments
Topic: Should I contribute to after-tax 401(a)?
Replies: 12
Views: 1198

Re: Should I contribute to after-tax 401(a)?

Correct, once you either rollover the employee after-tax contributions and any pre-tax earnings to either a Roth IRA or In-plan to a designated Roth account the subsequent earnings are tax-free. When you rollover both the employee after-tax contributions and pre-tax earnings to a Roth IRA or In-pla...