Search found 81 matches

by ishkadetto
Fri Oct 13, 2023 12:36 am
Forum: Personal Investments
Topic: Optimization & can we retire in 2 years.
Replies: 12
Views: 3036

Re: Optimization & can we retire in 2 years.

Thank you to all the replies and guidance. Looks like the healthcare and tax costs are what I need to drill down and clarify. Will be seeing what the AGI is expected to be and the Roth conversion vs ACA subsidy tradeoff. With the possibility or relocation to Europe in the future (some countries do not recognize Roth for tax purposes) is another consideration. Leaning towards no conversion at this point and getting AGI low. Someone said I want to be not so low as to end up on Medicaid (which would be MediCal in CA), but why? Is Medicaid actually worse than a low tier bronze plan? I'd suggest doing a real scrub on your budget to understand if everything is including in the $75k. Taxes, healthcare costs, increased travel, lumpy expenses like c...
by ishkadetto
Tue Sep 26, 2023 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: California renter's insurance with > $1MM in liability coverage?
Replies: 16
Views: 2326

Re: California renter's insurance with > $1MM in liability coverage?

I'm also interested in followup, same situation looking for umbrella insurance and have no car /no auto insurance and have found non-owners policies to bring cost way up.
by ishkadetto
Thu Aug 10, 2023 8:37 pm
Forum: Personal Investments
Topic: Optimization & can we retire in 2 years.
Replies: 12
Views: 3036

Optimization & can we retire in 2 years.

We are ages 40 and 41, hoping to be able to quit working in 2 years if we choose to. VHCOL area with rent control, no plans to move. No kids. No car. No debt. Current portfolio value: $2.1 million Current Income: $300k/yr gross Tax Status: Married Filing Jointly; Tax Rate 24% Federal, 9.3% State (CA) Annual Spend: ~$75k (of which $29.3k is rent/all utilities/cell service/renters insurance) Goal portfolio value: $2.5 million Withdrawal Rate: 3.25% for a total of $81,250 available per year (conservative withdrawal rate due to conservative asset allocation) I don't know how to estimate the tax situation really. If I put $81,250 into a calculator assuming worst case scenario somehow that all of it is 100% taxable, the CA tax would be ~$1.5k/yea...
by ishkadetto
Wed Feb 23, 2022 10:22 am
Forum: Personal Finance (Not Investing)
Topic: IRS DirectPay delay?
Replies: 15
Views: 1577

Re: IRS DirectPay delay?

Update: payment is still "pending" as of February 23, 2022. Tomorrow will be 4 weeks since the money was taken out of my checking account.
by ishkadetto
Wed Feb 16, 2022 11:01 am
Forum: Personal Finance (Not Investing)
Topic: IRS DirectPay delay?
Replies: 15
Views: 1577

Re: IRS DirectPay delay?

samsoes wrote: Mon Feb 14, 2022 11:51 am January 27 was about 10 or so days past the time that estimated payments could be made for 2021. Did you try to make an estimated payment (1040 ES), or file for an extension with your payment?

If you tried 1040 ES, it may apply the payment to tax year 2022.
It was an extension so that I could overpay to get I bonds as a refund.
by ishkadetto
Mon Feb 14, 2022 11:43 am
Forum: Personal Finance (Not Investing)
Topic: IRS DirectPay delay?
Replies: 15
Views: 1577

Re: IRS DirectPay delay?

For anyone keeping track, my payment from January 27, 2022 is still "pending" as of today, February 14, 2022 :|
by ishkadetto
Wed Feb 02, 2022 9:59 am
Forum: Personal Finance (Not Investing)
Topic: IRS DirectPay delay?
Replies: 15
Views: 1577

IRS DirectPay delay?

I made a DirectPay payment for $2,000 on January 27, 2022. I was overpaying with the intent to then get a $5,000 refund in I Bonds. I have since changed my mind and just want the whole refund deposited in my bank account. Today when I log into the IRS Online account the payment is still showing as "pending". The money was taken out of my bank account on January 27, 2022. I want to go ahead and file my taxes but am afraid that if I file them before this payment shows as complete that this will cause issues (like the IRS giving me a $3k refund when it should be $5k). Any idea on how long it will take to move from pending to complete? Thanks!
by ishkadetto
Fri Dec 31, 2021 6:18 pm
Forum: Personal Consumer Issues
Topic: Italian traffic ticket from 2017 now with attempt to collect in 2021
Replies: 49
Views: 11878

Re: Italian traffic ticket from 2017 now with attempt to collect in 2021

Silverado wrote: Fri Dec 31, 2021 5:56 pm
ishkadetto wrote: Fri Dec 31, 2021 5:10 pm
Rex66 wrote: Tue Dec 28, 2021 9:48 pm You don’t have a check or cc receipt?

You should search those records.
I checked the credit card end of year statements and found it. Looks like I paid for the car rental in May then I see another charge for $50.44 on the last day of September (so about 4.5 months after the ticket was issued). This must be that charge that I remember. It was from the rental car company Maggiore.
Oh man, good luck when you call that company!
Why would I call the car rental company? ... Sounds to me from everyone else that they just charge a fee to give your info the the authorities, then they're done with you.
by ishkadetto
Fri Dec 31, 2021 5:10 pm
Forum: Personal Consumer Issues
Topic: Italian traffic ticket from 2017 now with attempt to collect in 2021
Replies: 49
Views: 11878

Re: Italian traffic ticket from 2017 now with attempt to collect in 2021

Rex66 wrote: Tue Dec 28, 2021 9:48 pm You don’t have a check or cc receipt?

You should search those records.
I checked the credit card end of year statements and found it. Looks like I paid for the car rental in May then I see another charge for $50.44 on the last day of September (so about 4.5 months after the ticket was issued). This must be that charge that I remember. It was from the rental car company Maggiore.
by ishkadetto
Fri Dec 31, 2021 4:59 pm
Forum: Personal Consumer Issues
Topic: Italian traffic ticket from 2017 now with attempt to collect in 2021
Replies: 49
Views: 11878

Re: Italian traffic ticket from 2017 now with attempt to collect in 2021

Italy (traffic enforcement) does this a lot for Americans. They simply created a debt caused by you allegedly committing some infraction, then sold the debt at a discount to the USA based collection agency. Italy doesn’t know/doesn’t care if you pay the USA based collection agency, that is between you and the agency. You can pay or not pay the USA collection agency. They can’t do anything to you legally for something that allegedly outside USA. You will be fine if you travel to Italy. This happens all of the time. They don’t bother doing this to other countries where they don’t have a local agent operation. Just be sure you don’t do anything to reset your statue of limitations status, and never pay an alleged debt to a collection agency wi...
by ishkadetto
Fri Dec 31, 2021 4:54 pm
Forum: Personal Consumer Issues
Topic: Italian traffic ticket from 2017 now with attempt to collect in 2021
Replies: 49
Views: 11878

Re: Italian traffic ticket from 2017 now with attempt to collect in 2021

Woodshark wrote: Thu Dec 30, 2021 5:59 pm If the debt has already been sold to an outside collection agency then the fines most likely been written off and closed. I seriously doubt that it's still on the books in Italy.
hunoraut wrote: Wed Dec 29, 2021 8:30 am Also, the fact that it's years later, and has gone to a 3rd party collector, means the authority has already 'written it off'. The gov sold it for pennies on the dollar and the collector is hoping to recuperate a few pennies more.
The notice says "This is not a purchased debt. Previous attempts to contact you have failed, therefore the municipality has engaged our office to resolve this unpaid citation on their behalf." So I do not believe it has been "sold" to an outside collection agency/3rd party collector.
by ishkadetto
Fri Dec 31, 2021 4:47 pm
Forum: Personal Consumer Issues
Topic: Italian traffic ticket from 2017 now with attempt to collect in 2021
Replies: 49
Views: 11878

Re: Italian traffic ticket from 2017 now with attempt to collect in 2021

denovo wrote: Wed Dec 29, 2021 1:52 am The website works for me. This sounds like a racket though.
Sandtrap wrote: Wed Dec 29, 2021 8:06 am +1
Sorry I was not clear, yes the website works for me but what does not work is when I enter the supposed username and password
by ishkadetto
Tue Dec 28, 2021 9:43 pm
Forum: Personal Consumer Issues
Topic: Italian traffic ticket from 2017 now with attempt to collect in 2021
Replies: 49
Views: 11878

Re: Italian traffic ticket from 2017 now with attempt to collect in 2021

HomeStretch wrote: Tue Dec 28, 2021 8:02 pm Here’s a 2020 thread on the same topic that may be helpful:
viewtopic.php?p=5210537#p5210537
I did read that thread, but it didn't really have a good resolution of what to do.. My ticket is for supposedly speeding (77km in 70km) and not a ZTL violation. I visit Italy quite often so I'd like to get some sort of resolution, or at least feel like if I just ignore it that it will go away and not balloon into some massive fine. Like I mentioned previously, I paid *something* years ago and thought that was the end of it. I really wish I knew what it was that I already paid, but lesson learned. I've gathered that my US credit score will not be affected.
by ishkadetto
Tue Dec 28, 2021 5:39 pm
Forum: Personal Consumer Issues
Topic: Italian traffic ticket from 2017 now with attempt to collect in 2021
Replies: 49
Views: 11878

Italian traffic ticket from 2017 now with attempt to collect in 2021

I just received in the mail something from Cedars Business Services. They claim I have a traffic citation in Italy from May 2017 and now (December 2021, a full 4.5 years later!) owe $280. The first sheet of paper includes: "your balance for a traffic citation with the City of Ferrara remains unpaid; therefore, your account has been placed with our office for collections. This is an attempt to collect a debt by a debt collector...." and "This is not a purchased debt. Previous attempts to contact you have failed, therefore the municipality has engaged our office to resolve this unpaid citation on their behalf." There is a second sheet of paper has "notification of traffic infringement" and on the back of THAT pap...
by ishkadetto
Tue Dec 07, 2021 12:55 am
Forum: Investing - Theory, News & General
Topic: How do I feed the 30-day SEC yield into a spreadsheet?
Replies: 12
Views: 3031

Re: How do I feed the 30-day SEC yield into a spreadsheet?

Same, the formula seems to be broken. Anyone know how to pull the yield from somewhere else or how to fix the formula?
by ishkadetto
Fri Oct 01, 2021 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Online bank where I can view all other outside accounts?
Replies: 1
Views: 385

Online bank where I can view all other outside accounts?

I currently use USAA for my checking account but have decided to move on. The one thing I do like about USAA is that I can add all of my credit cards and external accounts like my TSP and Vanguard so that when I log into USAA I can see all of my accounts in one place. Is there another online bank where I can do this? I was thinking of switching to Ally or Schwab (unlimited ATM reimbursements). Thanks for your suggestions!

Edit to add: Also with USAA if I transfer money from my account to my spouses account (also at USAA), it happens instantly. Is this possible at other banks too?
by ishkadetto
Fri Oct 01, 2021 2:00 pm
Forum: Personal Investments
Topic: Advice on what do with my cash/bond portion .. early retirement in a few years
Replies: 1
Views: 554

Advice on what do with my cash/bond portion .. early retirement in a few years

I'd like some advice on what to with the cash portion of my portfolio. I am debating between putting it in VBTLX (total bond), VBILX (total bond intermediate), or VWIUX (tax exampt muni). Also open to something else like CDs at one bank (not trying to get too complicated) or buying treasuries on Vanguard. Target asset allocation is 55/45 stock/bond (At 60/40 was checking the market constantly but at 55/45 can SWAN and have zero stress over it, even though rationally I know there is not much difference.. I know). I was late to the investment game and basically just hoarded cash until 4 years ago when I finally jumped in. Then, for the past about two years or so I have bought no stock due to the market just going up and up so I have been keep...
by ishkadetto
Fri Mar 20, 2020 5:00 pm
Forum: Investing - Theory, News & General
Topic: I cant "Stay the Course" - Rebalance/IPS
Replies: 56
Views: 5297

Re: I cant "Stay the Course" - Rebalance/IPS

gr7070 wrote: Fri Mar 20, 2020 4:02 pm BTW you're only talking $70,000 of $1M. Meh. If the market went down another 50%!! it's only another $35k. And it's not like your total bond fund is going up. So The net loss is something less than that 35k.

Go rebalance.
This reframing was actually extremely helpful for me as I am in a similar mental position as OP. I will rebalance Monday. Thank you :)
by ishkadetto
Mon Jan 27, 2020 2:40 pm
Forum: Investing - Theory, News & General
Topic: Total Stock Market Index - Section 199A dividends this year
Replies: 172
Views: 29706

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

Reporting in that Express1040.com handled the 199A reporting with no difficulty or confusion and automatically did the 8995 Form.
by ishkadetto
Fri Dec 27, 2019 12:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard voice verification setup not working
Replies: 0
Views: 342

Vanguard voice verification setup not working

I tried yesterday and today to set up voice verification on Vanguard, and what happens is: I get a call right away from "Private Number" then hear beep noise then the calls drops from they're end, then this cycle of calling and hanging up repeats 5 times total. Yesterday a few times a got a computer voice "hello" or the first part of "welcome" before it hung up. I'm not sure if this is a problem with Vanguard or what, but I feel like it probably is. In case anyone else is having this issue too....
by ishkadetto
Wed Dec 25, 2019 9:01 pm
Forum: Personal Investments
Topic: Worth it to convert VLCAX to VV for the lower expense ratio?
Replies: 2
Views: 728

Worth it to convert VLCAX to VV for the lower expense ratio?

I have ended up after some tax loss harvesting last December with about $350k of VLCAX (Vanguard Large Cap). The ER is 0.05%. I currently have all mutual funds and no ETFs. I was wondering if it is a good idea to convert it to VV with an ER of 0.04%? I do not plan to purchase any new VLCAX so the fact that I can't buy exact dollar amounts of more of it doesn't really affect me. I have dividend reinvestment turned off as well. It would maybe be easier for me for future tax loss harvesting if it stays in VLCAX (do a mutual fund exchange, something I'm used to, versus selling the ETF and buying VTSAX and worrying about if the market will go up or down a lot during the time gap). But in the back of my mind I'm thinking: what if the market never...
by ishkadetto
Wed Aug 21, 2019 11:50 am
Forum: Personal Investments
Topic: How much does your employer 401k plan charge?
Replies: 43
Views: 4380

Re: How much does your employer 401k plan charge?

Dumb question. I guess I should call Fidelity, and I will, but are any administration or other fees beyond ER located on monthly/periodic statements? The document that specified my plans administrative fees was called an "ERISA 404 Participant Fee Disclosure" where it specified the annual administrative expense paid by each 401(k) participant. Seconding this. The "404a-5 Plan & Investment Notice" is the only place where I see the fees spelled out. The quarterly statements just give a dollar amount for "general administrative charges" then goes on to say "Additional charges associated with the plan's administrative expenses for the quarter were paid from the total annual operating expenses of the inves...
by ishkadetto
Tue Aug 20, 2019 12:13 am
Forum: Personal Investments
Topic: How much does your employer 401k plan charge?
Replies: 43
Views: 4380

Re: How much does your employer 401k plan charge?

I work in a tiny company, just a handful who are in our 401k. The plan charges, on top of the individual ER's for each fund available, a 1.1% plan administration fee that blankets the whole thing. Is this high for a small company 401k plan? My spouse's plan charges 1.04% admin fee blanketing. They had about 60 employees in the plan last year. John Hancock is the administrator. The language is: "Your plan has engaged John Hancock to provide record-keeping services such as educational resources, transaction processing, investment platform, quarterly statements and website tools. Charges will be applied to your account as follows: 0.49%* on a pro-rata basis. * Charges may fluctuate based on the total assets in the plan, according to a pr...
by ishkadetto
Mon Aug 19, 2019 1:57 pm
Forum: Personal Investments
Topic: Keep VWIUX (muni bonds) or switch to VBTLX (total bond)?
Replies: 27
Views: 5012

Re: Keep VWIUX (muni bonds) or switch to VBLTX (total bond)?

hudson wrote: Mon Aug 19, 2019 1:21 pm I agree that SEC yield is useful when comparing two funds. There are many other things to look at.
A $500K investment in VWIUX actually paid out $1104 last month.
The SEC Yield is 1.56%...that's $650 per month.
Ah I see. I would calculate like this then? (again using tax rate 24% federal+9.3% state):

SEC Yield
VWIUX yield = 1.55% --> 1.41% after tax
VBTLX yield = 2.34% --> 1.56% after tax

Distribution Yield
VWIUX paid out 2.65% last month --> 2.40% after tax
VBTLX paid out 2.77% last month --> 1.85% after tax

Then it really looks like VWIUX would give greater net income despite the SEC yield making it look like VBTLX would give greater net income?
by ishkadetto
Mon Aug 19, 2019 1:05 pm
Forum: Personal Investments
Topic: Keep VWIUX (muni bonds) or switch to VBTLX (total bond)?
Replies: 27
Views: 5012

Re: Keep VWIUX (muni bonds) or switch to VBLTX (total bond)?

hudson wrote: Sun Aug 18, 2019 6:35 am ishkadetto, are you using the SEC yield to figure this? I would use the distribution yield as that's what you are actually being paid....but you probably already knew that. VWIUX paid 2.65% on August 1.
What would be the advantage to using distribution yield? A quick Google search for "sec yield vs distribution yield" gave me many articles saying SEC yield is what I should use when comparing two funds.
by ishkadetto
Sat Aug 17, 2019 11:59 pm
Forum: Personal Investments
Topic: Keep VWIUX (muni bonds) or switch to VBTLX (total bond)?
Replies: 27
Views: 5012

Re: Keep VWIUX (muni bonds) or switch to VBLTX (total bond)?

Given that tax rate, do you live in California? If so, you might want to put half your munis in Vanguard CA Long-Term Tax-Exempt, and half in Limited-Term Tax-Exempt. This would give you an overall intermediate-term duration, with only half your bonds in CA, but more than half your bond interest exempt from CA state tax. We do live in California. Posting current numbers (8/17/19) for posterity (using tax rate 24% federal+9.3% state) :D VBTLX (total bond) yield = 2.34% --> 1.56% after tax VWIUX (interm muni) yield = 1.55% --> 1.41% after tax VCLAX (CA long muni) yield = 1.78% --> 1.78% after tax VMLUX (limited muni) yield = 1.36% --> 1.23% after tax Half VCLAX/half VMLUX = 1.57% --> 1.50% after tax VUSXX (treasury MMF) = 2.09% --> 1.59% aft...
by ishkadetto
Sat Aug 17, 2019 11:46 pm
Forum: Personal Investments
Topic: Keep VWIUX (muni bonds) or switch to VBTLX (total bond)?
Replies: 27
Views: 5012

Re: Keep VWIUX (muni bonds) or switch to VBLTX (total bond)?

Cyclesafe wrote: Fri Aug 16, 2019 6:08 am Confirm that you aren't also paying the 3.8% NIIT for federal income over $250k (MFJ).
I do not think we pay NIIT. Our AGI was right at $200k last year (MFJ).
Cyclesafe wrote: Fri Aug 16, 2019 6:08 am IMHO, these minor differences are well within the normal relative fluctuations of these funds. Next week, the small advantage of VBTLX could easily be gone. Also, bear in mind that VWIUX, with a duration of 4.9 (versus 6.0 for VBTLX), is slightly less sensitive to interest rate changes. OTOH, VWIUX is very slightly more risky than VBTLX.
Ahh thank you, that is reassuring. When I decided to use VWIUX over VBTLX in the first place I'm sure it had a small advantage yield-wise (at that time). Perhaps I should not worry and just wait it out.
by ishkadetto
Thu Aug 15, 2019 11:46 pm
Forum: Personal Investments
Topic: Keep VWIUX (muni bonds) or switch to VBTLX (total bond)?
Replies: 27
Views: 5012

Re: Keep VWIUX (muni bonds) or switch to VBLTX (total bond)?

bluquark wrote: Thu Aug 15, 2019 11:23 pm Your calculation is an overestimate because you need to apply the state tax on both sides

Ah ok let me try again :)

If I do nothing, next year I will earn: 54000 [current value of VWIUX] * 1.42% [my after tax yield of VWIUX (1.57%*(1-.093)] = $767
If I switch to VBTLX I will earn: (54000-(3000 [capital gains incurred by selling] * (0.15 [fed capital gains rate]+0.093 [CA capital gains rate])) * 1.59% [my after tax yield of VBTLX (2.38%*(1-.24-0.093)] = $847
by ishkadetto
Thu Aug 15, 2019 11:19 pm
Forum: Personal Investments
Topic: Keep VWIUX (muni bonds) or switch to VBTLX (total bond)?
Replies: 27
Views: 5012

Re: Keep VWIUX (muni bonds) or switch to VBLTX (total bond)?

Is this the correct calculation?
2.38*(100%-24%) = 1.81
Which means if the VWIUX was 1.81% or greater yield it would be better than VBTLX at 2.38%? (and currently VWIUX is yielding 1.57%, so that is not better)

Also am I calculating this right:
If I do nothing, next year I will earn: 54000 [current value of VWIUX] * 2.13% [my tax effective yield of VWIUX] = $1150
If I switch to VBTLX I will earn: (54000-(3000 [capital gains incurred by selling] * (0.15 [fed capital gains rate]+0.093 [CA capital gains rate])) * 2.38% [the yield of VBTLX] = $1267

I have about $30k carryover losses from tax loss harvesting last December.
by ishkadetto
Thu Aug 15, 2019 10:09 pm
Forum: Personal Investments
Topic: Keep VWIUX (muni bonds) or switch to VBTLX (total bond)?
Replies: 27
Views: 5012

Keep VWIUX (muni bonds) or switch to VBTLX (total bond)?

Federal tax bracket: 24%
State tax bracket: 9.3%

VWIUX (Vanguard Intermediate Tax-Ex Muni): 1.57% SEC yield -> 2.13% tax effective yield
VBTLX (Vanguard Total Bond): 2.38% SEC yield

I got into VWIUX back at the end of 2018. My question is, at what point would it be best to switch from VWIUX to VBTLX (if at all)? I have no space in tax-deferred to keep bonds at this time, so this is in taxable. The total amount of VWIUX I have is about $54,000 with about $3,000 in unrealized capital gains and have been reinvesting the monthly dividend. It looks like the current tax effective yield is 0.25% more if I were to be in VBTLX vs the VWIUX.
by ishkadetto
Sat Aug 10, 2019 11:51 pm
Forum: Investing - Theory, News & General
Topic: Importing TSP data to Google sheets
Replies: 6
Views: 1938

Re: Importing TSP data to Google sheets

Anyone else having issues again? I'm getting errors but this time the link is still good so I don't know how to fix it.
by ishkadetto
Fri May 17, 2019 9:51 pm
Forum: Personal Investments
Topic: keep the TSP or transfer to Schwab?
Replies: 11
Views: 4229

Re: keep the TSP or transfer to Schwab?

The current G Fund rate (May 2019) is 2.5%.
by ishkadetto
Sun Mar 31, 2019 11:41 am
Forum: Personal Investments
Topic: Selling Series I Bonds
Replies: 43
Views: 5848

Re: Selling Series I Bonds

I did the same last year, sold all I bonds to simplify holdings. One less account to log into/check on/remember password for/deal with/for my spouse to deal with if anything were to happen to me. Bought Vanguard VWIUX as a replacement fund.

They will issue you a 1099.
by ishkadetto
Sat Mar 23, 2019 12:29 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4683560

Re: U.S. stocks in free fall

tj wrote: Fri Mar 22, 2019 10:45 pm
frugalecon wrote: Fri Mar 22, 2019 3:24 pm Always happy when this occurs on a payday, so my TSP contribution goes in at a lower price.
Your contributions go in on Friday? I thought mine do on Monday.
My TSP contribution goes in on Thursday.
by ishkadetto
Fri Mar 22, 2019 12:20 am
Forum: Personal Consumer Issues
Topic: MMORPG games
Replies: 63
Views: 8133

Re: MMORPG games

Deleted
by ishkadetto
Thu Mar 21, 2019 12:58 pm
Forum: Personal Investments
Topic: Order cancellation at Vanguard
Replies: 20
Views: 20365

Re: Order cancellation at Vanguard

I wanted to post my data point today in case it's helpful for anyone. I placed an order to exchange a fund into VFWAX when what I wanted was to exchange into VTWAX. Ooops!

Within 15 minutes of making the error, I went to "order status" and clicked "cancel", and was given the message: "Your request to cancel order numbers ######## was sent to Vanguard for approval on 03/21/2019 at 1:55 p.m., Eastern time. To track your request, View order status from the link below. Your orders will be canceled only if they have not been executed. Print this confirmation for your records."

When I now check "order status" it shows "Cancelled" as the new status, so I believe it worked.
by ishkadetto
Tue Feb 19, 2019 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule CA (540) - adjusting for Treasury MMF (VUSXX)
Replies: 3
Views: 922

Re: Schedule CA (540) - adjusting for Treasury MMF (VUSXX)

HueyLD wrote: Tue Feb 19, 2019 2:27 pm In TurboTax, there is a box directly beneath the 1099-DIV ordinary dividends box that asks you for the amount of treasury dividends. If you enter an amount there, it will be substracted on your state tax return.
Your reply did prompt me to go back one more time, and I DID find where it asks "Is this a mutual fund that has U.S. Government interest income?" which I somehow did not see previously despite going over it 10 times! Oh my tired eyes! :oops:

Thank you :)
by ishkadetto
Tue Feb 19, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule CA (540) - adjusting for Treasury MMF (VUSXX)
Replies: 3
Views: 922

Re: Schedule CA (540) - adjusting for Treasury MMF (VUSXX)

HueyLD wrote: Tue Feb 19, 2019 2:27 pm Which tax software do you use?

In TurboTax, there is a box directly beneath the 1099-DIV ordinary dividends box that asks you for the amount of treasury dividends. If you enter an amount there, it will be substracted on your state tax return.
Thank you for your reply! I am using Express1040, I think similar to other web-based software. I'd still like to know how to fill out Schedule CA 540 ( if that's what I'm supposed to do), for general knowledge.
by ishkadetto
Tue Feb 19, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule CA (540) - adjusting for Treasury MMF (VUSXX)
Replies: 3
Views: 922

Schedule CA (540) - adjusting for Treasury MMF (VUSXX)

I just got finished doing my taxes using online software. Federally, it all seems to be just fine. My question is, when I get to the California part...It's probably just the software, but I can't figure out how to adjust for VUSXX and VMFXX dividend income on the state taxes. I may try to file using CalFile or do a manual paper return for the first time if I can't figure out how to get this Express1040 to work. Either way, I want to know how to correctly file so I can make sure my final return is correct. *I received ~$500 in dividends from VUSXX (Vanguard Treasury Money Market Fund). It had 100% income from U.S. government obligations, so all of it should be state-tax free. *I received ~$20 in dividends from VMFXX (Vanguard Federal Money M...
by ishkadetto
Sun Feb 17, 2019 1:00 pm
Forum: Investing - Theory, News & General
Topic: Importing TSP data to Google sheets
Replies: 6
Views: 1938

Re: Importing TSP data to Google sheets

This works for me (note: column "7" is the G fund). Change that one number as needed for the column of the fund you need.

=INDEX(ImportHtml("https://www.tsp.gov/InvestmentFunds/FundPerformance/index.html", "table", 2), 2, 7)

Hope this helps!
by ishkadetto
Tue Jan 22, 2019 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Too much CA SDI (state disability insurance) withheld?
Replies: 3
Views: 629

Too much CA SDI (state disability insurance) withheld?

My tax software warns that there may have had been much CA SDI withheld. CA State Disability Insurance (SDI) withholding rate is currently 1%.

It looks like the amount that was withheld is 1% of the YTD gross pay number on the final paycheck of 2018.
The number the software gives for what it thinks the withholding should be should be is equal to 1% of Box 1 (wages, tips, other comp).

Employer used the gross amount pre-401k deductions; tax software uses a number post-401k deductions and post-employee meals deductions.

So my question is: CA SDI withholding rate is 1% of what exactly? Which is correct, the W2 or the tax software?
by ishkadetto
Tue Jan 15, 2019 1:47 pm
Forum: Personal Investments
Topic: Treasury Money Market VUSXX
Replies: 4
Views: 1032

Re: Treasury Money Market VUSXX

clcarter wrote: Tue Jan 15, 2019 1:40 pm Does anyone know what happens if a holding of Vanguard Treasury Money Market Fund (VUSXX) drops below $50,000? Is the fund sold, interest rate reduced, warning letter issued? Thanks
My VUSXX holding dropped below and has stayed below $50k since late October. So far nothing has happened.
by ishkadetto
Thu Dec 27, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employee new HSA in 2019
Replies: 4
Views: 514

Re: Federal employee new HSA in 2019

Thank you grabiner!!!
by ishkadetto
Thu Dec 27, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employee new HSA in 2019
Replies: 4
Views: 514

Federal employee new HSA in 2019

I am a new enrollee for GEHA HDHP for 2019, was sent a packet in the mail from HSA Bank and have everything set up online so know my account number and routing number.

If I go into MyPay and click start new allotment for HSA, it says " This action will be reflected in your January 05, 2019 pay." Is it ok to start contributing on that date? Just wanted to double check that I'm not doing it too early.

Thanks!
by ishkadetto
Tue Dec 18, 2018 3:38 pm
Forum: Personal Investments
Topic: Tax loss harvest VTSAX -> VLCAX or VFIAX
Replies: 6
Views: 2145

Re: Tax loss harvest VTSAX -> VLCAX or VFIAX

Well, I did it! VTSAX -> VLCAX today. And with the tiny drop in the market, I didn't even need to stress about the possibility of the share price going up in the time between hitting the exchange button and close price at the end of day :D
by ishkadetto
Tue Dec 18, 2018 11:55 am
Forum: Personal Investments
Topic: Tax loss harvest VTSAX -> VLCAX or VFIAX
Replies: 6
Views: 2145

Tax loss harvest VTSAX -> VLCAX or VFIAX

Background: Currently sitting on ~$16k of losses in VTSAX (Vanguard Total US Stock Index), total position is ~$300k. In 24% fed tax bracket, 9.3% state. I have tax loss harvested in the past so I understand the mechanics, but when I did that it was with my international fund so I felt more.. indifferent I guess if I were to get "stuck" in VFWAX (Vanguard All-World ex-US Index) vs VTIAX (Vanguard Total International Index). I ended up being able to make a round-trip (twice) so that wasn't an issue. I think because this VTSAX position is so much bigger dollar-wise, and a bigger percentage of my overall portfolio (~33%), it's more anxiety-inducing to think of a third of my money being "stuck" in the not-best fund .... so I'...
by ishkadetto
Fri Nov 02, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: help this RN negotiate job change
Replies: 28
Views: 4215

Re: help this RN negotiate job change

BolderBoy wrote: Fri Nov 02, 2018 9:55 am Below the level of senior nurse executives, I've not seen nursing positions, particularly staff nurse positions, as being negotiable. They tend to be offered, "as is" and the few staff nurses who tried to "negotiate" were quickly labeled "difficult" and the hiring authority moved on.
Can confirm. I have worked in both private and federal hospitals, and pay for new RN staff was based on a rigid scale taking into account years of experience, a little extra for specially certification, or type of degree ADN/BSN/MSN. There was no negotiating, very cut and dry, objective.
by ishkadetto
Fri Oct 12, 2018 12:13 am
Forum: Personal Investments
Topic: TLH help needed - VTIAX and VBIAX
Replies: 3
Views: 580

Re: TLH help needed - VTIAX and VBIAX

InvestorNewbie2016 wrote: Thu Oct 11, 2018 11:10 pm Does it matter that the losses are short and not long term?
check out this thread, there's some good stuff: viewtopic.php?t=181781
by ishkadetto
Thu Oct 11, 2018 10:55 pm
Forum: Personal Investments
Topic: TLH help needed - VTIAX and VBIAX
Replies: 3
Views: 580

Re: TLH help needed - VTIAX and VBIAX

I have incurred some $2000 loss in VTIAX. Would like to exchange into a TLH partner. However, the last automated buy was yesterday. As long as I sell all the lots I have bought in the past 30 days, it should be okay, right? Thinking to buy VFWAX instead. Any better suggestions? Yes, sell any lots bought in the past 30 days. And if you have the same holding in an IRA make sure you didn't buy there in the same time period too.. if so then it gets more complicated. VTIAX -> VFWAX is commonly recommended here. I have done VTIAX -> VFWAX -> VTIAX once this year, and today back into VFWAX. In 31 days if its down or even, I'll return to VTIAX. I think maybe if it's even up a little I may go back since it's my preferred fund and my losses were so ...