Search found 96 matches

by craimund
Sun Jun 23, 2019 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Signing Bonus Taxes: When does income count as "income?"
Replies: 9
Views: 986

Re: Signing Bonus Taxes: When does income count as "income?"

Hi, So I'll be starting a job in a different state this fall. I'm signing the contract in a few days and this will come with a signing bonus in the form of a check. I'm planning on delaying depositing the check until after I establish residency in the new state as its state income taxes rates are s...
by craimund
Sun Jun 23, 2019 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Signing Bonus Taxes: When does income count as "income?"
Replies: 9
Views: 986

Re: Signing Bonus Taxes: When does income count as "income?"

You will probably file a part year return (since you were a part year resident of each state) in each state and pay income taxes in each state based on the amount earned there. Pretty sure the money earned from your new employer would be taxed at that state's rate. Previous forum dealt with similar ...
by craimund
Fri Jun 21, 2019 2:01 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 15848

Re: what was your worst major purchase mine is a 2019 mazda3

DaftInvestor wrote:
Fri Jun 21, 2019 1:31 pm
CMGI stock
CMGI is in my top 10 along with a handful of other internet stocks I bought in 1999. It was, however, one of my best major purchases before it became one of my worst.
by craimund
Sun May 05, 2019 2:54 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 On Sale
Replies: 19
Views: 2196

Re: Quicken 2019 On Sale

However, activation codes appear to expire after 24 months "after being generated" (see link and excerpt below). I wonder how long ago the activation code in the box was generated? https://www.quicken.com/support/quicken-subscription-membership-faqs How long can I extend my membership plan? A membe...
by craimund
Sat May 04, 2019 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 On Sale
Replies: 19
Views: 2196

Re: Quicken 2019 On Sale

Walmart has Quicken Deluxe 2019 1 year subscription on sale for $21.99 with free shipping to store. I know there's been a lot of grumbling about the subscription model but this seems like a pretty decent price. I also understand that you can buy multiple copies, activate one and then activate anoth...
by craimund
Sat May 04, 2019 6:41 am
Forum: Personal Consumer Issues
Topic: Crawl Space vs. Concrete Slab House Foundation
Replies: 19
Views: 2366

Re: Crawl Space vs. Concrete Slab House Foundation

The big advantage of crawl spaces is the ability to access plumbing. My previous office was on a slab and a water pipe developed a leak necessitating the slab be cut to access the leak. Probably a rare circumstance but a major headache if it happens to you. This is the major advantage of a crawlspa...
by craimund
Sat Apr 27, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: Water heaters/ energy consumption, high electric bill
Replies: 34
Views: 1794

Re: Water heaters/ energy consumption, high electric bill

http://i66.tinypic.com/2a6ld9v.png Graph above shows energy use for a second home since Nov. 2017. My son left heat pump on emergency back-up (i.e., electric resistance) heat in our second home back in December 2017. The January 2018 reading was an estimate based on the previous year (meter not rea...
by craimund
Sat Apr 27, 2019 6:13 am
Forum: Personal Consumer Issues
Topic: Water heaters/ energy consumption, high electric bill
Replies: 34
Views: 1794

Re: Water heaters/ energy consumption, high electric bill

Space heaters are probably electric resistance heaters and would add a good chunk to your electricity bill in the colder months. Mini splits mentioned by someone above or ducted heat pump system would be a good investment if you plan on staying in the house long term. Hybrid electric water heater wo...
by craimund
Sat Apr 13, 2019 5:46 am
Forum: Personal Investments
Topic: Question on using Solo 401K for 2018 Tax Year
Replies: 6
Views: 574

Re: Question on using Solo 401K for 2018 Tax Year

If you will be in the 12+ % marginal rate in retirement, probably doesn't make sense to put 40K in pretax accounts for a 10% tax break. If you want to max your 2018 contribution, I would contribute the max to employer discretionary (20% of SE income - one half SE tax) which is pretax and contribute ...
by craimund
Wed Mar 20, 2019 1:59 am
Forum: Personal Consumer Issues
Topic: AC went kaput, Sketchy quotes. Time to think Geothermal?
Replies: 19
Views: 2288

Re: AC went kaput, Sketchy quotes. Time to think Geothermal?

Is your current unit a heat pump or just an AC? If not a heat pump, your ducting may be not optimal for heating with a heat pump. The air coming out of the registers in heat pump systems is not particularly warm and the systems generally have to move more air through the ducts (returns and supply li...
by craimund
Wed Mar 20, 2019 1:38 am
Forum: Personal Investments
Topic: How to get over a $25K stock market loss?
Replies: 125
Views: 10485

Re: How to get over a $25K stock market loss?

Apparently people fear losses enough that they set about double the value of gains on avoiding losses. In a sense, we're kind of hard-wired against taking risks because losses hurt. On that note, I lost close to $60,000 in the last quarter of 2018. It hurt. A lot. For a few days I had trouble sleep...
by craimund
Sun Mar 03, 2019 4:07 am
Forum: Personal Finance (Not Investing)
Topic: Wow, my paycheck is now at 2015 levels after the "tax cut"
Replies: 19
Views: 3162

Re: Wow, my paycheck is now at 2015 levels after the "tax cut"

Exemptions were eliminated for 2018. Standard deduction was doubled. I assume that's what you mean by "increase in personal exemption". By "allowed deductions" I assume you mean the $10,000.00 SALT cap. People who live in high tax states and who have expensive homes (e.g., NJ, NY, MD, CA) are more l...
by craimund
Sat Mar 02, 2019 5:25 am
Forum: Personal Investments
Topic: Qualified Dividends - Treatment on 2018 1040 Form
Replies: 7
Views: 797

Re: Qualified Dividends - Treatment on 2018 1040 Form

Thanks. So ordinary as reported on the 1099-DIV includes qualified. That makes the calculations work.
Seems that qualified are by definition not ordinary so the 1099 and 1040 should probably say total dividends and qualified (the difference being ordinary).
by craimund
Sat Mar 02, 2019 5:15 am
Forum: Personal Investments
Topic: Qualified Dividends - Treatment on 2018 1040 Form
Replies: 7
Views: 797

Qualified Dividends - Treatment on 2018 1040 Form

I am in the process of preparing my 2018 taxes using TurboTax and estimating my tax liability for 2019. I am confused about the way my taxes are being calculated. Qualified dividends are being entered onto line 3a of the 1040 form. However, this amount is not being included in total income on line 6...
by craimund
Wed Feb 27, 2019 3:51 am
Forum: Investing - Theory, News & General
Topic: Misuse of the word "technology" in finance
Replies: 45
Views: 3689

Re: Misuse of the word "technology" in finance

By the way: has anyone else wondered why my alma mater is named the "Massachusetts Institute of Technology" and not "Massachusetts Polytechnic Institution?" Or "California Institute of Technology" and not "California Polytechnic Institution?" I have no idea, and a quick Google search does not yield...
by craimund
Mon Feb 11, 2019 6:11 am
Forum: Personal Consumer Issues
Topic: On demand electric water heater
Replies: 34
Views: 2018

Re: On demand electric water heater

We are thinking of replacing the standard electric water heater in our second (we are there on average 3-4 days a week) home with a tankless electric water heater. Has anyone had experience with them? The current tank is actually not large enough to fill the spa tub to above the jets (how crazy is ...
by craimund
Tue Jan 29, 2019 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance and teenagers
Replies: 29
Views: 1488

Re: Auto Insurance and teenagers

My oldest daughter can get her license at anytime, she has had her permit for over a year and has earned our confidence for us to allow her to get her license. I called my insurance co. (USAA) and asked what it would cost to get her added. I just about fell out of my chair, more than double what we...
by craimund
Sat Jan 19, 2019 8:35 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2398
Views: 429524

Re: What are you up YTD? [Year To Date]

Up 7.03% as of Friday, January 18, 2019. Down 5.14% in 2018.
by craimund
Sat Jan 19, 2019 6:34 am
Forum: Personal Investments
Topic: PRHSX (T. Rowe Price Health Sciences Fund) vs VHT (Vanguard Health Care ETF)
Replies: 12
Views: 1219

Re: PRHSX (T. Rowe Price Health Sciences Fund) vs VHT (Vanguard Health Care ETF)

Hello Bogleheads, I am trying to choose between PRHSX and VHT. Which strikes you as a better choice? Any suggestions are appreciated. PRHSX has significantly outperformed the Vanguard fund (data from MarketWatch below). I personally own both. The Price fund is the more aggressive and volatile of th...
by craimund
Sun Jan 13, 2019 1:14 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 10282

Re: Disciplined with finances, but not so with diet

Healthy carbs are what keep people healthy! healthy carbs : potatoes beans corn brown rice lentils quinoa barley lentils whole grain pastas The "bad," unhealthy carbohydrate foods list includes: Sodas, Candies, All pastries, Jams and jellies, Fruit juices and drinks, Refined grains, like white rice...
by craimund
Sun Jan 13, 2019 7:48 am
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 10282

Re: Disciplined with finances, but not so with diet

Healthy carbs are what keep people healthy! healthy carbs : potatoes beans corn brown rice lentils quinoa barley lentils whole grain pastas The "bad," unhealthy carbohydrate foods list includes: Sodas, Candies, All pastries, Jams and jellies, Fruit juices and drinks, Refined grains, like white rice...
by craimund
Fri Jan 11, 2019 11:36 am
Forum: Personal Investments
Topic: Maxing Roth and maxing the match - Investment help
Replies: 28
Views: 1272

Re: Maxing Roth and maxing the match - Investment help

Mtangler, I will go on a limb and assume that you WILL get married this year, your fiancee WILL NOT earn any money this year and you WILL file Married Filing Jointly (for 2019) With these assumptions, I project that your tax bill will be zero for this year, based on some reasonable projections 1. S...
by craimund
Fri Jan 11, 2019 5:57 am
Forum: Personal Investments
Topic: Maxing Roth and maxing the match - Investment help
Replies: 28
Views: 1272

Re: Maxing Roth and maxing the match - Investment help

Mtangler, I will go on a limb and assume that you WILL get married this year, your fiancee WILL NOT earn any money this year and you WILL file Married Filing Jointly (for 2019) With these assumptions, I project that your tax bill will be zero for this year, based on some reasonable projections 1. S...
by craimund
Tue Jan 08, 2019 6:15 am
Forum: Personal Investments
Topic: Fiancée Thinks I'm Putting Too Much Towards Retirement/ Not Enough Towards Short-Term Goals
Replies: 136
Views: 10919

Re: Fiance Thinks I'm Putting Too Much Towards Retirement/ Not Enough Towards Short-Term Goals

A lot of things I don't understand here: 1. Paying 25-30k for a wedding, in general 2. Paying 25-30k for a weeding when not you seem to make considerable amounts of money (pretty insane if you ask me). You don't even max your 401k? 3. Marrying someone without living in the same house for couple of ...
by craimund
Wed Jan 02, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: drilling into concrete - 2 layers?
Replies: 9
Views: 608

Re: drilling into concrete - 2 layers?

You should be able to anchor sufficiently in the inner layer to hold up a TV. Try to get anchors of about the same depth as the thickness of this layer. I would be surprised if the layer was only 1-1.5 inches thick. Bricks are thicker than that (2.5"). Are you sure you're not in the void of a cinder...
by craimund
Sat Dec 15, 2018 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Law school without practicing law
Replies: 79
Views: 6081

Re: Law school without practicing law

I have a JD and I am currently practicing law. I also worked in government for 5 years after receiving my law degree and was not practicing law during this time. Having the law degree did open up job opportunities in government that would have otherwise been unavailable. You seem to have an idealize...
by craimund
Fri Dec 14, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 102
Views: 5699

Re: Volkswagen Reliability

Do you really believe that VW Golfs added in anyway to the pollution? It's just hilarious... It was really more about breaking the law than about the pollution. OK, so I became curious about this and checked it out on Wikipedia. Someone previously posted this pollution was laughable. That's what I ...
by craimund
Fri Dec 14, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 102
Views: 5699

Re: Volkswagen Reliability

For those with first hand experience with newer (2010+) Volkswagens, what has your experience been in regards to reliability? I am considering a new Golf GTI and my only reservation is whether it can serve me well for ~10 years or so. You are asking a small group of people on a forum. Absolutely in...
by craimund
Thu Dec 13, 2018 5:51 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 482
Views: 52176

Re: What types of jobs do Bogleheads have?

From most recent: Patent Attorney (Private Practice) Patent Examiner (U.S. Patent & Trademark Office) Research & Development Engineer - Chemistry/Materials Development (Private Sector) Graduate Research Assistant (University) Summer Intern (Engineering) at a Steel Plant Various Temporary Positions, ...
by craimund
Thu Dec 13, 2018 5:46 am
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 91
Views: 7723

Re: Is a New Car Okay if Driven 15+ Years?

One major advantage to buying new are the manufacturer warranties that come with new vehicles. Most manufacturers offer a bumper to bumper 3 year/36,000 warranty with longer warranties for power-train (engine, transmission) and emissions/hybrid (if applicable) components. Volkswagen is offering a 6 ...
by craimund
Thu Nov 15, 2018 6:22 am
Forum: Personal Finance (Not Investing)
Topic: PPO or HSA
Replies: 21
Views: 2093

Re: PPO or HSA

So the HSA eligible plan costs nothing, and the PPO costs $___? IDK what you're asking, my employer covers the cost. Isn't that what a premium is? Employers typically only cover a portion of the cost of the plan (e.g., 80%) and the employer picks up the remainder by paying a premium. Check your pay...
by craimund
Sun Oct 28, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: When to get a new toilet?
Replies: 52
Views: 4029

Re: When to get a new toilet?

I would replace. Newer toilets use a lot less water and generally flush better than the old toilets, especially those from the mid 90s manufactured shortly after the low flow regulations went into effect.
by craimund
Sun Oct 21, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Bear Market: Invest in Taxable, Bull Market: Pay Down Mortgage?
Replies: 8
Views: 1296

Re: Bear Market: Invest in Taxable, Bull Market: Pay Down Mortgage?

Bear markets are relatively short-lived compared to Bull Markets (first link below). You may end up over-focusing on mortgage paydown. not necessarily a bad thing depending on the rate. May be better to focus on market valuations rather than bear vs. bull. May want to consider using Shiller CAPE10 r...
by craimund
Thu Oct 04, 2018 6:00 am
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime/Whole Foods/AMEX Blue Cash Preferred dilemma
Replies: 26
Views: 3795

Re: Amazon Prime/Whole Foods/AMEX Blue Cash Preferred dilemma

Personally I think the AMEX BCP is a garbage card. The absolute best you can do is 4.4% cash back on groceries if you spend exactly $6000/yr after subtracting the $95 annual fee. Too much work for too little reward. Of course this is what AMEX wants. Conveniently ignoring the $200 sign up bonus. $2...
by craimund
Thu Oct 04, 2018 5:58 am
Forum: Investing - Theory, News & General
Topic: Climate Change Investment Strategy
Replies: 21
Views: 3079

Re: Climate Change Investment Strategy

It seems like most fortune 500 companies are preparing for a future with climate change. While our politicians may have their heads in the sand, companies seeking to maximize profit will adapt to continue to maximize profit. Ergo, the bogelhead investment strategy still stands. If the broad economy...
by craimund
Fri Sep 28, 2018 3:17 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 110
Views: 27036

Re: Water Heater Install $1,800!

Starfish wrote:
Thu Sep 20, 2018 3:34 pm

I still have to old one though :annoyed I have to discard it one of these days.

PS: I "postoped" the permitting.
You should be able to take the old tank to a metal recycling facility and get some cash.
by craimund
Fri Sep 14, 2018 4:17 am
Forum: Personal Investments
Topic: Best tool/way to manage the a portfolio of multiple accounts
Replies: 25
Views: 1855

Re: Best tool/way to manage the a portfolio of multiple accounts

I use and generally like Quicken. However, it is not free and you are forced to upgrade every two years (I think) to allow automatic downloads. I believe they also went to an annual subscription model recently which has not affected me yet. There are many other posts discussing these types of servic...
by craimund
Fri Aug 03, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 807
Views: 87710

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Until Vanguard's patent(s) expire. When do they expire? I'm not entirely sure. Most patents generally expire 20 years after the filing date. The basic Vanguard Vipers patent was filed in 2001 and would expire in 2021. However, an amended patent was filed in 2005, but I don't know if that would exte...
by craimund
Fri Aug 03, 2018 9:51 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 807
Views: 87710

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Because they're straight index mutual funds. Existing Fidelity index products of this kind regularly distribute capital gains to investors. Until Vanguard's patent(s) expire. When do they expire? I'm not entirely sure. Most patents generally expire 20 years after the filing date. The basic Vanguard...
by craimund
Fri Jun 29, 2018 4:26 am
Forum: Personal Consumer Issues
Topic: Cheapest way to buy a phone in 2018?
Replies: 73
Views: 8927

Re: Cheapest way to buy a phone in 2018?

I've been buying used IPhones on EBay for years and have had only positive experiences. Just bought two IPhone SEs for the kids. Purchased my current IPhone 6 on EBay years ago. In order to save, need to buy older generation phones. Maybe a 7 or 7 Plus. The SE is a great deal if you are OK with a sm...
by craimund
Sun Jun 24, 2018 4:56 am
Forum: Personal Investments
Topic: Are Roth IRAs overrated?
Replies: 88
Views: 12289

Re: Are Roth IRAs overrated?

Yes they are! It is hoped that during your working life you will advance to the highest tax bracket, taking advantage of tax breaks such as mortgage relief, however long they last? However hopefully you have enjoyed life, as not a given you will live past 80, so when retired your tax bracket will g...
by craimund
Wed Jun 20, 2018 5:18 am
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 6151

Re: Road trip Pennsylvania,Maryland,and DC

.....We are flying into Philly for sure. we will stay 2 or 3 nights.That leaves us 3 or 4 days until we drive into DC and return rental car.....So in those 3 or 4 days we would like to see Harpers Ferry,Gettysburg,Baltimore/Maryland,area and if possible a quick stop anywhere in Delaware to cross it...
by craimund
Tue Jun 19, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 6151

Re: Road trip Pennsylvania,Maryland,and DC

Harpers Ferry WV is about 1.5 hour drive from DC/Dupont Circle. You should be able to mostly avoid the horrific DC traffic if you make it a day trip and leave in the AM.

You should also consider visiting Mount Vernon (Alexandria, VA). Short trip from DC.
by craimund
Mon Jun 18, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 6151

Re: Road trip Pennsylvania,Maryland,and DC

Ok,let’s skip Pittsburgh.I thought there might be a lot of stuff to see driving to Philly. We are adding a week to an already planned trip where we originally flew in to DC on Oct 2. We have never seen Maryand and the Philly area.I was also considering going to Delaware only because we are on a que...
by craimund
Thu Jun 14, 2018 4:46 pm
Forum: Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 14006

Re: MD&P just purchased X / sold Y [md&pharmacist]

I'm not 50% cash. But, with 50% cash, a 1 year return of 13.7% in this under-performing market! Wow, that means the funds are collectively at 27.4% 1 year even with my sleepers, and in this lazy market where the DOW hasn't seen it's high in months. You can see how it's been so good in a normalized ...
by craimund
Thu Jun 14, 2018 12:58 pm
Forum: Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 14006

Re: MD&P just purchased X / sold Y [md&pharmacist]

Whats your IRR of your entire portfolio (Stocks, Bonds, Cash) over the last 12 months, 3 years, etc.? Wouldn't that be more important than how one of your many funds performed well. That would be like me bragging about how my Amazon stock has gone up x% over the last few years even though its just ...
by craimund
Thu Jun 14, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 109
Views: 11076

Re: I was rear ended and the other guy wants a payout!

A little while back I was rear ended, the circumstances are this. I pulled out of a parallel parking space after checking to see that my side windows and mirrors were clear; after fully getting on the road and getting about a car length down, I see an old van barreling down the road in my rear view...
by craimund
Thu Jun 14, 2018 3:34 am
Forum: Personal Investments
Topic: Better late than never
Replies: 7
Views: 1434

Re: Better late than never

You can switch funds within your Vanguard IRA without incurring any costs unless the fund you are selling has a redemption fee. Most Vanguard funds do not have redemption fees. See link below for those that do. https://investor.vanguard.com/mutual-funds/fees Are you an independent contractor with 10...
by craimund
Wed Jun 13, 2018 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 13089

Re: Are you including SS in your planning model? Are the benefits really that high?

I have not used social security in any retirement planing model since I began modeling back in my 20s. Just today I tried an SSA calculator to estimate my benefits. I told it I would stop earning at 54 and entered my yearly earnings up to this year. I'm 44. The result was a monthly benefit of $1600...
by craimund
Sun Jun 03, 2018 5:33 am
Forum: Personal Finance (Not Investing)
Topic: For those who worked in tech and then changed industries, where did you go?
Replies: 14
Views: 1465

Re: For those who worked in tech and then changed industries, where did you go?

I know similar questions have been asked recently, but not this exact scenario from what I have seen... For those of you who have worked in the tech industry and then voluntarily (or involuntarily I guess) left for something else, what kind of work did you go to? I am currently 43 years old and wor...