Search found 27 matches

by venus_06
Wed Jan 27, 2021 10:04 am
Forum: Personal Finance (Not Investing)
Topic: New Pennsylvania Income Tax Filing Web Site
Replies: 22
Views: 1723

Re: New Pennsylvania Income Tax Filing Web Site

For those that were able to successfully register and receive their access letter, was there a step to enter current address? I registered and was taken to a page to submit my request to have access letter delivered by mail, but then the only message I got was that I'd receive it within 5-10 busines...
by venus_06
Fri Jan 15, 2021 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Question about pay period and W2 -biweekly paid
Replies: 5
Views: 266

Re: Question about pay period and W2 -biweekly paid

Thank you everyone for the helpful information. Learn something new all the time on this forum!
by venus_06
Fri Jan 15, 2021 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Question about pay period and W2 -biweekly paid
Replies: 5
Views: 266

Question about pay period and W2 -biweekly paid

DH is biweekly paid employee and their pay period lags the pay date by a week. For example, the paycheck issued on 1/15/21 covers pay period of 12/28/20 to 1/8/21. We've always had monthly paid jobs in the past and receive our checks at the end of the month, so never had this situation come up befor...
by venus_06
Thu Sep 03, 2020 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Fixing Excess HSA Contribution
Replies: 22
Views: 1235

Re: Fixing Excess HSA Contribution

I think you read the forest but missed the trees: just follow the steps outlined by SpiritRider and I above. Leave it there, pay the excise tax one time, and under-contribute next year to even things out. $24 in taxes. Once. Probably cheaper than Custodian A's charge to remove excess contributions,...
by venus_06
Thu Sep 03, 2020 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Fixing Excess HSA Contribution
Replies: 22
Views: 1235

Re: Fixing Excess HSA Contribution

I had a similar question with a slight twist that I was hoping someone could give some advice on: I make HSA contributions through my employer and due to some unexpected events I switched to a non-HDHP plan midyear in 2020. It just occurred to me that I should calculate my allowed contributions for ...
by venus_06
Sun Jun 28, 2020 11:50 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 621
Views: 160415

Re: My New Car Buying Tips

This thread has been very educating as I’m trying to negotiate buying a new RAV4. I’ve run into this issue as I’m negotiating over email: there are no base models for the basic trim in my area, they all have ~$500-1000+ Manufacturer add-on packages for cargo liners, guards, cargo rack etc. I was una...
by venus_06
Thu May 14, 2020 8:18 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 26136

Re: IRS Get My Payment up and running

Is anyone else still having trouble with "Payment Status not available" message on the Get my Payment tool? I know based on my AGI I should qualify, and I've filed both 2018 and 2019 returns and used DD for those returns. I've tried many variations of my address but am never able to get pa...
by venus_06
Wed Mar 25, 2020 2:29 pm
Forum: Investing - Theory, News & General
Topic: Negative Interest Rates and Holding Cash instead of bonds
Replies: 11
Views: 1581

Re: Negative Interest Rates and Holding Cash instead of bonds

A (maybe stupid) question: how will this impact the rates on money market funds, for example Vanguard Treasury VUSXX or Prime VMMXX or funds that hold these short term T bills? I heard discussions about liquidity and maintaining the NAV at 1.00, but what about when the underlying assets start going ...
by venus_06
Thu Feb 06, 2020 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Question about 1099-INT for Ally non-penalty CD account
Replies: 3
Views: 533

Question about 1099-INT for Ally non-penalty CD account

I have an Ally non-penalty CD that I opened in mid 2019, the interest has accrued in my account but the CD has not matured yet so I haven't "cashed out" anything yet. My understanding was that for CD interest, you have to pay taxes on the amount accrued each year, and not just the year whe...
by venus_06
Mon Jan 27, 2020 4:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 2019 U.S. government obligations information
Replies: 16
Views: 1837

Re: Vanguard 2019 U.S. government obligations information

This is probably a stupid question, but why is VUSXX (Treasury money market) not 100% state tax exempt? I guess it is close at 97.79% but I was under the assumption that this fund was fully exempt?
by venus_06
Thu Oct 10, 2019 3:39 pm
Forum: Personal Investments
Topic: New Merrill Edge cash solutions (possibly?)
Replies: 38
Views: 6464

Re: New Merrill Edge cash solutions (possibly?)

The closest to Vanguard's VMFXX is GOTXX as they both invest in US government securities. GOTXX is 100% state tax exempt because it invests 100% directly into Federal obligations, where as VMFXX is only partially state tax exempt because it has repurchase agreements which is not state tax exempt. I...
by venus_06
Mon Oct 07, 2019 2:11 pm
Forum: Personal Investments
Topic: New Merrill Edge cash solutions (possibly?)
Replies: 38
Views: 6464

Re: New Merrill Edge cash solutions (possibly?)

They list PVOXX (Federated Institutional Prime Value Obligations Fund ---Institutional Class) and TMCXX (BlackRock Liquidity Funds: TempCash Fund ---Institutional Class) as share price will fluctuate. Has anyone had experience with these? If I wanted something more similar to VG's Federal money mark...
by venus_06
Tue Aug 13, 2019 6:35 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard Treasury Money Market yield so high?
Replies: 123
Views: 38262

Re: Why is Vanguard Treasury Money Market yield so high?

I make a spreadsheet to track my TEYs for VG's Prime, Federal, and Treasury money market funds (I estimated State tax exempt percentage for the first two funds based on prior year's obligation), and depending on the spread between VMFXX and VUSXX one or the other is slightly better for me. However, ...
by venus_06
Tue Jul 09, 2019 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a rental property - taxes
Replies: 41
Views: 2738

Re: Selling a rental property - taxes

We purchased it for 200k in 2009. According to Zillow, the house was worth 406.1k when we started renting it out in October 2016. We're listing it at 470k. I've used Turbo Tax for our taxes and know I deducted landscaping expenses, rental manager fees and some minor repairs. I don't now recall dedu...
by venus_06
Fri Jun 07, 2019 2:39 pm
Forum: Non-US Investing
Topic: non resident withholding tax refund
Replies: 3
Views: 478

Re: non resident withholding tax refund

There is no standardized deduction for non residents. Dividends are reported in schedule NEC where there is no distinction between qualified or ordinary dividends, and you are taxed at 30% unless there is a tax treaty between your country.
by venus_06
Sat Apr 13, 2019 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: PA local earned income tax return question
Replies: 4
Views: 540

Re: PA local earned income tax return question

Shouldn’t you be receiving the $300 refund? Since the Philadelphia wage tax is higher and exceeds your local earned income tax - they exchange 1k to your township and keep the remaining $200?
by venus_06
Thu Apr 04, 2019 2:39 pm
Forum: Personal Investments
Topic: Roth 403b to Roth IRA
Replies: 6
Views: 521

Re: Roth 403b to Roth IRA

I thought transferring of university contributions depends on your vesting schedule? For my university we are 100% vested after 3 years, but 0% before that, and this applies to both basic contribution and matching contributions. What does your policy say?
by venus_06
Tue Mar 19, 2019 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Patent an idea and find investors.
Replies: 31
Views: 2268

Re: Patent an idea and find investors.

Patent prosecution is quite expensive and for an individual that can be a very costly upfront investment. If you have plans to form a startup company (based on your idea which you plan to patent), many local law firms will do the work pro bono with payment written in once you raise certain amount of...
by venus_06
Mon Feb 25, 2019 10:13 am
Forum: Personal Finance (Not Investing)
Topic: What is the best option for cash in Merrill Edge
Replies: 3
Views: 639

Re: What is the best option for cash in Merrill Edge

I put mine in their Preferred Deposit. It is currently 2.07% and updates weekly. Rates are posted here: https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/ICCRateSheet.pdf You need 100k initially but don't have to maintain that balance. One inconvenience is that you have to call them to m...
by venus_06
Tue Feb 05, 2019 11:47 am
Forum: Personal Investments
Topic: Leaving Payflex HSA - avoid account closure fee?
Replies: 49
Views: 9459

Re: Leaving Payflex HSA - avoid account closure fee?

For folks that have pulled funds out and reinvested into their own HSA account within 60 days, is that what's referred to as a rollover? And you are only allowed to do it one time per year without penalty, whereas if you direct the funds through a trustee to trustee transfer then you're not limited ...
by venus_06
Tue Jan 29, 2019 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Any recourse when HR department keeps screwing up?
Replies: 69
Views: 3937

Re: Any recourse when HR department keeps screwing up?

I was recently in a similar situation to OP. My advice would be to talk to other people in your department, you'd be surprised how many people have had issues with HR before! In my case, a coworker was able to refer me to a contact person that was able to look into my payroll deductions and HSA cont...
by venus_06
Thu Jan 17, 2019 12:55 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 63111

Re: John Bogle has died at age 89

I first stumbled upon this forum when searching about my employer plans (thankful that they offer Vanguard as one of the options!). As a complete newbie to investing, the Boglehead philosophy immediately resonated with me and I am so grateful for what I have learned (and continue to learn) here. Mr....
by venus_06
Fri Jan 11, 2019 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Can I make HSA contributions for 2018 (last year)?
Replies: 9
Views: 1002

Re: Can I make HSA contributions for 2018 (last year)?

A related question: My understanding is HSA deductions through payroll will be exempt from both income & FICA tax. However, if you contribute on your own, you may only claim the deduction for income tax, but still have to pay FICA taxes on that amount? Am I confusing things? Asking because I swi...
by venus_06
Fri Jan 11, 2019 9:53 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2807
Views: 445191

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

New bonus alert. $200 for 25k at Chase You Invest. https://accounts.chase.com/youinvest/trade/offer?jp_cmp=rb/Chase_Brand_Exact_You+Invest_SEM_US_No+xLOB_Standard_NA/sea/p38425640377/You+Invest Thanks for this information. Thinking of transferring 25k over for the bonus. Do you know if they have so...
by venus_06
Mon Dec 17, 2018 3:25 pm
Forum: Personal Investments
Topic: Advice on Roth IRA
Replies: 6
Views: 777

Re: Advice on Roth IRA

"Time in the market is better than timing the market"... I'd recommend putting all $5,500 in at once for your 2018 contribution. Next year, Roth IRA contributions go up to $6,000. I like to contribute for the coming year right after January 1. Thanks. Since I am contributing in December, ...
by venus_06
Fri Dec 14, 2018 4:21 pm
Forum: Personal Investments
Topic: Advice on Roth IRA
Replies: 6
Views: 777

Re: Advice on Roth IRA

Thanks! I will open a Vanguard account and go with index funds. I am thinking about increasing contributions to my 403b, just need some more time to think about a right balance. I have been (still am) actively saving for first home. I don't have a specific target price or timeline yet, but I know th...
by venus_06
Fri Dec 14, 2018 10:46 am
Forum: Personal Investments
Topic: Advice on Roth IRA
Replies: 6
Views: 777

Advice on Roth IRA

Hi Bogleheads, Need some advice on opening a Roth IRA. I am 30yo, complete newbie to investing. Currently I contribute the minimum each month to my 403(b) to get my employer match, but have not put any additional funds in. It's in a target fund, which I am ok with for the time being, as I'm still ve...