Bogleheads.org

airahcaz

Let’s say someone is coming into some money from a lawsuit and wants to start investing, fund 529’s etc., but doesn’t know anything, and also trusts no one but one of his friends; however, that friend is not an FA. Here’s the wrinkle, he wants to offer either annual fees or a % of gains for the advi...

airahcaz

ModifiedDuration wrote: ↑Sat May 16, 2020 7:44 am Kiddie Tax

“ The kiddie tax is a tax imposed on individuals under 17 years old whose investment and unearned income is higher than an annually determined threshold.”

Wait till 18

airahcaz

Other than state tax deduction where applicable, what's the advantage of a 529 plan over just transferring appreciated shares (both invested in a similar index fund) to your child in college? If you gift, and that 18 year old is at an income level with 0% long term capital gains, the child can sell ...

airahcaz

Can one roll an IRA into 401K and immediately take advantage of withdrawals at age 55? “Age 55 Rule (Early withdrawal?). Starting in the year that you turn 55, you can make a withdrawal from your 401k without the 10% early withdrawal penalty. You will still owe income taxes for a pre-tax 401k withdr...

airahcaz

Doc wrote: ↑Sat Apr 25, 2020 4:52 pm jhfenton wrote: ↑Sat Apr 25, 2020 3:49 pm The issue with SPY is its outdated structure. Are you referring to the "no mutual fund share class" or something else specific to SPY? SPY is a unit investment trust, and it must hold dividends in cash until th...

airahcaz

Sounds like the guidance is to stick with an ETF in a taxable account but not necessarily SPY? So perhaps VOO?

airahcaz

What about FXAIX at .015% ER?

airahcaz

In taxable, the question would be whether the tax savings of ETFs (or VFIAX if one doesn't want to use ETFs) would exceed the savings from the lower cost of Fidelity or Schwab mutual funds. Yes a taxable account. So how can one assess if low er simpler choice vs calculating tax efficiency, is that ...

airahcaz

So are SPY and an SP500 index mutual fund about the same tax efficiency (in managing turnover) or is one more tax efficient for buy and hold for the long term? https://finance.yahoo.com/news/etfs-tax-efficiency-investors-know-204808439.html If you are referring to VFIAX, then yes. Any other mutual ...

airahcaz

So are SPY and an SP500 index mutual fund about the same tax efficiency (in managing turnover) or is one more tax efficient for buy and hold for the long term?

https://finance.yahoo.com/news/etfs-ta ... 08439.html

airahcaz

“Hello, I am going to relay this information to our diminished value team, they will contact you for further information. If you need to contact me or have any questions, please respond to this email. You can also attach and send me any documents in regards to your claim. You may also view your clai...

airahcaz

A car that was accident and repaired back to new still incurs several thousands of dollars of Diminished Value. How does one get better trade-in values? And has anyone successfully processed a Diminished Value Claim? https://www.thebalance.com/diminished-car-value-after-accident-2645571 We had one ...

airahcaz

A car that was accident and repaired back to new still incurs several thousands of dollars of Diminished Value. How does one get better trade-in values? And has anyone successfully processed a Diminished Value Claim?
https://www.thebalance.com/diminished-c ... nt-2645571

airahcaz

Well, I’ve since removed my after-tax contributions so that I could set my pretax to 7%, and since I met pretax limit, that 7% will be deducted after tax and I will receive company match.

airahcaz

But why? Why penalize us if we contribute more than 7% and meet the annual limit early vs having to contribute 7 and only 7% per pay? And what’s the advantage to the company? Delaying match if an employee leaves? Sometimes that is accounted for by delaying match vesting. This type of matching is qu...

airahcaz

But why? Why penalize us if we contribute more than 7% and meet the annual limit early vs having to contribute 7 and only 7% per pay?

And what’s the advantage to the company? Delaying match if an employee leaves? Sometimes that is accounted for by delaying match vesting.

airahcaz

Have you ever heard of such a thing? Basically, the match one can receive is capped at 50% of 7% OF THAT PAYCHECK, basically penalizing you if you meet the annual limit too early, thus no incentive to contribute any more than 7 % per pay. And are these two excerpts the same? “When you contribute to ...

airahcaz

If a roll both to a 401K, I should be eligible for backdoor Roth IRA again?

airahcaz

Both accounts are rollover, no further contributions

airahcaz

Have two rollover IRA’s from having rolled over 2 previous 401Ks (different employers). Any reason to combine vs keep separate? (Traditional, not Roth)

airahcaz

tivattom wrote: ↑Mon Aug 19, 2019 6:44 pm I switched to powdered detergent on my LG and all the smelly moldy problems went away.

Instead of liquid? What about pods?

airahcaz

Mold is a common problem with front loaders. I replaced the leaking gasket on my LG Tromm washer after 7 years and the new seal stayed mold free for maybe 2 years. Despite leaving door open and periodically adding bleach to loads, cleaning seal with Tilex and running a clean cycle with vinegar. New...

airahcaz

Ugh, have front load washers improved their front gasket issues getting moldy? Seems gasket replacement is tedious and also doesn’t fix the issue long term for the same unit. Had an LG for 5 years that works fine, but the wife is ready to replace just in the hopes of improvement in gaskets and mold ...

airahcaz

not my title, it's the title of the article, but I hear you

airahcaz

Hi - has anyone seen this and analyzed any truth to it, pros and cons, etc.? States a div reinvestor will handily beat the best market timer

https://seekingalpha.com/article/427560 ... -investing

airahcaz

NJ asked salary expectations and verbal said they’re not going to ask current salary (as if they weren’t allowed to)

airahcaz

The SALT cap limitation may or may not be a factor. A couple would have to model their single and pro forms joint tax situations. In my “MFJ high tax state” case, the new tax law resulted in a (slightly) lower federal tax liability for 2018 than the liability would have been under the old tax law. ...

airahcaz

Isn’t the new deductions limit a reason for single couples to remain unmarried? Say both individuals have more than $10K in income tax. Is this essentially a $3000 question assuming the other partner would get an additional refund approximately in that amount? “The new tax law has largely eliminated...

airahcaz

There’s more room for negotiation if going directly and no recruiter involved. Somewhat true?

airahcaz

Seems employers can’t ask candidates for their salary in NYC, but what about NY state and NJ for that matter? “New York City Effective Date: Oct. 31, 2017 Employers Affected: All employers, employment agencies or employees or agents thereof Employers in New York City are prohibited from requesting i...

airahcaz

A grandparent has college money invested in an SP500 index fund for his grandchild. Does it make sense to sell now, pay long term capital gains taxes at 15%, and invest the proceeds in an identical fund in a 529?

airahcaz

FDIC insurance covers cash in a bank up to $250K. There’s only so many bank accounts one can open. SIPC covers brokerages, so isn’t $ safer invested in securities? Ignore risk & rate of returns at the moment. Thinking if one wins the Mega!

airahcaz

dwickenh wrote: ↑Tue Oct 02, 2018 8:39 am
samsoes wrote: ↑Tue Oct 02, 2018 7:27 am Also to be considered is the effect of AGI on the amount of SS which becomes taxable, and ACA/Medicare premiums, if applicable.
These two are important considerations!!

Even if the person is not collecting SS yet?

airahcaz

Allow me a caveat that I can get access to the capital this year by selling a call option.

airahcaz

Assuming same tax bracket and no expected losses in the following year, is the only reason to realize a long term capital gain in the following year vs current year is to stay invested?

airahcaz

Folks,
I went with the 2018 Accord Sport 1.5 and couldn’t be happier, $25,500 OTD

airahcaz

Dare I throw this into the mix, the Accord will be more "fun"?

airahcaz

Does the Accord have the same engine that's giving the CRV trouble? I've crossed CR-V off my list and Civic and Accord that shares same engine. If you're leasing the car, it may not matter, but if you're keeping long term, be more cautious. How bad is the decision of buying a 2018 Honda CR-V consid...

airahcaz

2015 Lexus ES350 or 2018 Honda Accord Sport 1.5? Go.

airahcaz

What about a 2015 Lexus ES350 for under $25K?

airahcaz

Accord also has an impressive 30/38/33 mpg combined. Accord 2.0 is 22/26 and GS is 19/25

airahcaz

I am OPEN to an Accord Sport manual for sure! Wife also drives stick, but she thinks impractical in our area. Worth reconsidering.

How's manual in snow? We're in suburbs but still populous.

airahcaz

Toyota Camry. Stay away from current models with the Honda 1.5T engine that appears to have significant issues with unburned fuel getting into the engine oil. Really? On Accord or other cars? Any issues with the hybrid or 2.0? Read through multiple owners forums before you buy any new or used car t...

airahcaz

Going to the Accord 2.0 engine increases the price range, I’m guessing the risk with the 1.5 is if they do not find or acknowledge and subsequently fix any issues within the 3-5 year warranty? 5 year powertain. But also the hassle if there are any major engine issues

airahcaz

monkey_business wrote: ↑Mon Sep 10, 2018 11:31 pm Try this: http://lmgtfy.com/?q=Honda+accord+forum

Did that. I was asking specifically a good one where the 1.5 engine oil was being discussed.

airahcaz

Toyota Camry. Stay away from current models with the Honda 1.5T engine that appears to have significant issues with unburned fuel getting into the engine oil. Really? On Accord or other cars? Any issues with the hybrid or 2.0? Thanks. Which forum? Read through multiple owners forums before you buy ...

airahcaz

jabberwockOG wrote: ↑Mon Sep 10, 2018 9:23 pm Toyota Camry. Stay away from current models with the Honda 1.5T engine that appears to have significant issues with unburned fuel getting into the engine oil.

Really? On Accord or other cars? Any issues with the hybrid or 2.0?

airahcaz

Edited my post to reflect that I’ll keep the car for at least a decade.

airahcaz

I spent in April 25K after TTL for Honda Accord 2018. Before TTL I think it was 23.5K, with roughly 1.5K being TTL in NoVA area. Very happy with the car and its terrific value with Android Auto, safety features and decent 1.5T engine. I wanted hybrid but they did niot have it when I needed car and ...

airahcaz

Hmm, one biggie. The GS does have 300+ HP Also, do any of the things you like about Lexus as a brand apply also to Toyota? If so, are you also considering the Camry for a mid-level car. What about a used Acura TSX for as a competitor to the Lexus? I’d rather the Accord Sport over 2018 Camry SE. I k...

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