Search found 99 matches

by vnatale
Mon Apr 13, 2020 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Contribution deadlines for qualified plans / Mike Piper
Replies: 21
Views: 2482

Re: Contribution deadlines for qualified plans / Mike Piper

Mike, It's that time of year that I regularly pop up here to ask you a question regarding retirement plans. This year's question surrounds this calculator which Vanguard used to offer: https://personal.vanguard.com/us/SbsCalculatorController I do this as I usually have in prior years and since Frida...
by vnatale
Fri Dec 13, 2019 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Simple IRA / Section 125
Replies: 0
Views: 174

Simple IRA / Section 125

Are any of you part of a SIMPLE IRA and paying your share of health insurance premiums on a pre-tax basis? I believe that in Massachusetts for decades it has been mandatory for employers to offer employees a Section 125 so that the employees' payments toward their share of health insurance premiums ...
by vnatale
Thu Jul 04, 2019 3:06 pm
Forum: Personal Investments
Topic: Permanent Portfolio: How do you invest the Cash portion?
Replies: 5
Views: 823

Permanent Portfolio: How do you invest the Cash portion?

I am ready to fully embrace The Permanent Portfolio as described in Craig Rowland and J.M. Lawson's The Permanent Portfolio book. I am going for Level 4 and want to invest in the way that the book proscribes. I am not looking for any enhancements to what the book proscribes. I was planning to use th...
by vnatale
Sun Apr 14, 2019 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Contribution deadlines for qualified plans / Mike Piper
Replies: 21
Views: 2482

Re: Contribution deadlines for qualified plans / Mike Piper

Thank you. Thank you. Thank you!

This was the only piece I needed to resolve before completing my tax return.

Many, many thanks again!

Vinny
by vnatale
Sun Apr 14, 2019 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Contribution deadlines for qualified plans / Mike Piper
Replies: 21
Views: 2482

Re: Contribution deadlines for qualified plans / Mike Piper

I use H&R Block tax software. And, last time I used it (March 3rd) the section on QBI was not yet fully functional. I had do to a lot of overrides. After I did do an update yesterday, it now looks fully functional and agreed with my computations as I presented to you. My main question to you was...
by vnatale
Sat Apr 13, 2019 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Contribution deadlines for qualified plans / Mike Piper
Replies: 21
Views: 2482

Re: Contribution deadlines for qualified plans / Mike Piper

Thanks to all your assistance through the years I think I finally understand. Here is what I plan to go with for my solo 401(k) contribution (per publication 560 worksheet) Schedule C, net profit - $24,095 Deduction for self-employment tax (Schedule 1 (Form 1040) line 27) -$1,702 Net Profit reduced ...
by vnatale
Sun Mar 03, 2019 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Contribution deadlines for qualified plans / Mike Piper
Replies: 21
Views: 2482

Re: Contribution deadlines for qualified plans / Mike Piper

Mike,

Thanks again for the usual swift, comprehensive response which always teaches me something I need to know!

Vinny
by vnatale
Sun Mar 03, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Contribution deadlines for qualified plans / Mike Piper
Replies: 21
Views: 2482

Re: Contribution deadlines for qualified plans / Mike Piper

I just reviewed the calculations in the Publication 560 for 2018 returns. I saw NO reference to the Qualified Business Income Deduction. And, when I looked at the worksheet I've been using for several years to compute the maximum 401(k) the amount agrees with what the Fidelity web site had calculate...
by vnatale
Sun Mar 03, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Contribution deadlines for qualified plans / Mike Piper
Replies: 21
Views: 2482

Re: Contribution deadlines for qualified plans / Mike Piper

Staying on this set of messages in hopes it attracted your attention, Mike. And, the final question IS related to qualified plans. 1) For purposes of computing the 20% "Qualified Business Income Deduction" one must first deduct both the "1/2 of SE tax" AND "self-employed hea...
by vnatale
Fri Apr 13, 2018 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: How do I make sure IRS receives my manual tax return ?
Replies: 89
Views: 12293

Re: How do I make sure IRS receives my manual tax return ?

I have always chosen the cheapest option by buying a Certificate of Mailing. It shows that I sent an envelope to the IRS. They have never not received a tax return I have mailed to them.
by vnatale
Tue Sep 12, 2017 7:16 pm
Forum: Personal Investments
Topic: Prime Money Market vs Federal Money Market?
Replies: 2
Views: 849

Prime Money Market vs Federal Money Market?

How have you handled Vanguard transferring money from your Prime Money Market accounts to the Federal Money Market accounts in response to the new rules that went into effect about a year ago? Did you leave it there? Did you move it back? Do you, on any kind of regular basis, transfer into the Prime...
by vnatale
Tue Sep 12, 2017 6:54 pm
Forum: Personal Investments
Topic: Experience with High Yielding Money Market Accounts
Replies: 31
Views: 4869

Re: Experience with High Yielding Money Market Accounts

Looking at depositaccounts.com/savings/... I see the following large banks with the present rates: Synchrony Bank - 1.05% Ally Bank - 1.00% Barclays - 1.00% CapitalOne360 - 1.00% Discover Bank - 0.95% American Express Bank, FSB - 0.95% I'd like to know your positive / negative experiences with any ...
by vnatale
Mon Apr 10, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Contribution deadlines for qualified plans / Mike Piper
Replies: 21
Views: 2482

Re: Contribution deadlines for qualified plans / Mike Piper

Just now seeing your last response.

Yes, I did pay health insurance premiums.

Vinny
by vnatale
Sun Apr 02, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Contribution deadlines for qualified plans / Mike Piper
Replies: 21
Views: 2482

Re: Contribution deadlines for qualified plans / Mike Piper

Thanks for the usual extremely quick and on-point response. I am also an employee elsewhere but that income along with the net business profit income does not put me over any FICA or SE limits. It is just me and I do plan to also make a $6,500 Roth IRA contribution. And, I am able to fund all of it ...
by vnatale
Sun Apr 02, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Contribution deadlines for qualified plans / Mike Piper
Replies: 21
Views: 2482

Re: Contribution deadlines for qualified plans / Mike Piper

I am now working on my tax returns, which includes determining what contributions I will make for my solo 401(k). I think I FINALLY understand it all. Am I? To review, for 2016 I was 65, therefore maximum contributions would be $24,000. I desire to make as much as possible to be a Roth and minimal o...
by vnatale
Sun Dec 18, 2016 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Contribution deadlines for qualified plans / Mike Piper
Replies: 21
Views: 2482

Re: Contribution deadlines for qualified plans / Mike Piper

Mike, Thanks again for your usual quick and extremely illuminating and informative response. This $23,000 is my "moonlighting" income and I am also a 3/4's full-time employee for a non-profit so therefore have employee income. I am planning to also do a $6,500 Roth IRA contributions, which...
by vnatale
Fri Dec 16, 2016 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Contribution deadlines for qualified plans / Mike Piper
Replies: 21
Views: 2482

Re: Contribution deadlines for qualified plans / Mike Piper

Thank you for all the prior useful information on the Solo 401(k). I am hoping that following is a simple question to answer. My Solo 401(k) self-employment income (after deducting the 1/2 self-employment deduction) will be about $23,000 for 2016. The computation says that I could do a profit sharin...
by vnatale
Fri Sep 16, 2016 7:30 pm
Forum: Personal Investments
Topic: Experience with High Yielding Money Market Accounts
Replies: 31
Views: 4869

Re: Experience with High Yielding Money Market Accounts

I have a dozen online high yield banks. Personally I find Ally to be the best. However, the others are fine and if rates are higher I keep the bulk of my money in the others and ACH to/from using Ally as the push/pull initiator. One missing from your list is Popular Direct (Banco Populars online ve...
by vnatale
Thu Sep 15, 2016 7:21 pm
Forum: Personal Investments
Topic: Money Market or Vanguard Short-Term Investment-Grade?
Replies: 7
Views: 1612

Re: Money Market or Vanguard Short-Term Investment-Grade?

I just want to make sure that you know how to evaluate bond funds. You should be looking at the SEC yield for forward expected yield. The returns are backward looking. Also, consider a rough rule of thumb that you can see losses of 1% per year of duration, for every 1% increase in rates. If the mar...
by vnatale
Wed Sep 14, 2016 7:40 pm
Forum: Personal Investments
Topic: Money Market or Vanguard Short-Term Investment-Grade?
Replies: 7
Views: 1612

Money Market or Vanguard Short-Term Investment-Grade?

I just asked for others' experience regarding various large banks money market funds. Now I'm asking for opinion on using those bank money market funds versus Vanguard Short-Term Investment-Grade. I'm still in the midst of deciding where I want to invest my safe money for the long run with retiremen...
by vnatale
Wed Sep 14, 2016 7:20 pm
Forum: Personal Investments
Topic: Experience with High Yielding Money Market Accounts
Replies: 31
Views: 4869

Experience with High Yielding Money Market Accounts

Looking at depositaccounts.com/savings/... I see the following large banks with the present rates: Synchrony Bank - 1.05% Ally Bank - 1.00% Barclays - 1.00% CapitalOne360 - 1.00% Discover Bank - 0.95% American Express Bank, FSB - 0.95% I'd like to know your positive / negative experiences with any o...
by vnatale
Mon Aug 22, 2016 10:21 pm
Forum: Personal Investments
Topic: TIPS ladder - Have experience?
Replies: 11
Views: 2313

TIPS ladder - Have experience?

Have any of you had experience with creating a TIPS ladder for retirement income? This is actually buying the bonds and NOT via a mutual fund.

If so, interested in how you bought them. Direct at auction? From a broker? Any other details and thoughts on them.

Thanks

Vinny
by vnatale
Wed Aug 10, 2016 9:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard SEC money market yield?
Replies: 1
Views: 467

Vanguard SEC money market yield?

I am looking at the Vanguard Prime Money Market account. It states that it has an SEC yield of 0.47% and an expense ratio of 0.16%. For a definition of SEC yield it says: The SEC yield for a money market fund is calculated by annualizing its daily income distributions for the previous 7 days. Does a...
by vnatale
Fri Jan 22, 2016 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Contribution deadlines for qualified plans / Mike Piper
Replies: 21
Views: 2482

Contribution deadlines for qualified plans / Mike Piper

I am self-employed with no employees. Just myself. A few years ago i established a Simple IRA and this is what I found at irs.gov. For self-employed persons with no common-law employees, the latest date for depositing salary reduction contributions for a calendar year is 30 days after the end of the...
by vnatale
Sat Oct 17, 2015 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: It's Financial Suicide to Own A House?
Replies: 6
Views: 2323

It's Financial Suicide to Own A House?

Opinions on this provocatively titled article?

It's Financial Suicide to Own A House

http://www.jamesaltucher.com/2015/10/own-house/
by vnatale
Sat Apr 11, 2015 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: 3% Simple IRA Contribution for Self-Employed / Mike Piper
Replies: 3
Views: 1097

Re: 3% Simple IRA Contribution for Self-Employed / Mike Pipe

Mike, now that I am trying to finish my tax return for 2014, I am FINALLY returning to this. I am unable to provide a link to the Fidelity calculator because it evidently no longer exists. I had earlier repeated what I'd found and read in this forum whereby a lawyer taxpayer had made reference to hi...
by vnatale
Wed Mar 11, 2015 9:55 pm
Forum: Personal Consumer Issues
Topic: Which Asus computer to buy?
Replies: 24
Views: 3444

Which Asus computer to buy?

I'm finally ready to buy a new computer and have narrowed it down to two Asus computers. Asus has this line of computers: http://www.asus.com/us/Desktops/M32AD/ B&H Photo has the lowest price on these computers when I consider both sales taxes and shipping. These are the two I'm trying to decide...
by vnatale
Mon Mar 02, 2015 11:46 pm
Forum: Forum Issues and Administration
Topic: Personal Messages - Outbox?
Replies: 6
Views: 2051

Re: Personal Messages - Outbox?

Thanks for the quick response!

Totally understand your explanation. And, definitely, NOT intuitive!

Thanks again


Vinny
by vnatale
Mon Mar 02, 2015 10:48 pm
Forum: Forum Issues and Administration
Topic: Personal Messages - Outbox?
Replies: 6
Views: 2051

Re: Personal Messages - Outbox?

Sorry, meant "Private messsages" and NOT "Personal Messages"!

Vinny
by vnatale
Mon Mar 02, 2015 10:46 pm
Forum: Forum Issues and Administration
Topic: Personal Messages - Outbox?
Replies: 6
Views: 2051

Personal Messages - Outbox?

Under my Personal Messages Tab, I have three messages in my Outbox? Have they been sent? Were they supposed to be out of the Outbox and in my Sent Messages? If so, how do I get them to be sent?
by vnatale
Sun Jan 18, 2015 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Pure Financial Advisors, San Diego, CA
Replies: 1
Views: 856

Re: Pure Financial Advisors, San Diego, CA

Since I asked that question I discovered that they have both a weekly radio show and a weekly TV show. In the last week, I have listened to quite a few of them and they are uniformly excellent.

Highly recommended.

All of the past shows are available here:


http://purefinancial.com/radio/

Vinny
by vnatale
Sat Jan 10, 2015 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Pure Financial Advisors, San Diego, CA
Replies: 1
Views: 856

Pure Financial Advisors, San Diego, CA

Anyone have any direct experience with Pure Financial Advisors of San Diego, CA? I'm reading an article about them and the impressive array of services they provide and the depth to which they provide them. They seem like they'd be a good fit for the all personal finance complexities that surround a...
by vnatale
Sun Dec 14, 2014 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: 3% Simple IRA Contribution for Self-Employed / Mike Piper
Replies: 3
Views: 1097

3% Simple IRA Contribution for Self-Employed / Mike Piper

I am trying to determine what is the correct method for determining the 3% Simple IRA Contribution for the Self-Employed. The IRS and Mike Piper (a CPA who has a page at Bogleheads) seem to say it as simple as multiplying by 3% your "net earnings from self-employment ( “net earnings from self-e...
by vnatale
Wed Aug 13, 2014 11:10 pm
Forum: Personal Consumer Issues
Topic: Which Lenovo or Asus desktop computer to buy?
Replies: 55
Views: 8469

Re: Which Lenovo or Asus desktop computer to buy?

I started this search back in February. I may finally be ready to make a decision and would like to hear from anyone regarding this decision. Back in February, I was looking at buying a brand new name brand computer and was considering a Lenovo or Asus. However, every time I looked at the ones I was...
by vnatale
Wed Aug 06, 2014 8:48 pm
Forum: Personal Consumer Issues
Topic: Which Lenovo or Asus desktop computer to buy?
Replies: 55
Views: 8469

Re: Which Lenovo or Asus desktop computer to buy?

Since I've not yet bought the computer, it seems the two options are to: 1) Buy the computer and a separate SSD drive. Before I install any of my personal software on the computer, I get all that is on the installed drive in the computer to the SSD drive. This will require some education and time. 2...
by vnatale
Wed Aug 06, 2014 11:30 am
Forum: Personal Consumer Issues
Topic: Which Lenovo or Asus desktop computer to buy?
Replies: 55
Views: 8469

Re: Which Lenovo or Asus desktop computer to buy?

Take it from a tech who orders, configures, and deploys hundreds and hundreds of workstations in a business environment: get a Solid State Drive. Your comparison of 3rd and 4th generation Intel i7 processors is geek bliss, but if you're actually looking for real life performance you'll want a good ...
by vnatale
Tue Aug 05, 2014 9:53 pm
Forum: Personal Consumer Issues
Topic: Which Lenovo or Asus desktop computer to buy?
Replies: 55
Views: 8469

Re: Which Lenovo or Asus desktop computer to buy?

I'm attempting to decide which computer to buy which will meet my needs. Currently, I am using this Compaq Presario computer (running Windows 7 Home Premium). http://www.amazon.com/gp/product/B00318CG82/ref=cm_cr_pr_pb_opt As you can see it has 45 reviews, which average a high 4+ stars. I believe i...
by vnatale
Sun Apr 20, 2014 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken - Investment expenses?
Replies: 6
Views: 1234

Re: Quicken - Investment expenses?

And, this here is even more specific... https://quicken.intuit.com/support/help/investing/actions-of-the-investment-transaction-list/GEN82449.html ****************************** In the investment account transaction list, the Action field indicates the following: MiscExp, MiscExpX Miscellaneous expe...
by vnatale
Sun Apr 20, 2014 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken - Investment expenses?
Replies: 6
Views: 1234

Re: Quicken - Investment expenses?

I'm seeing this here: http://www.dummies.com/how-to/content/record-various-brokerage-accounts-transactions-in-.html ******************************************* How to pay a miscellaneous expense Sometimes you need to pay an expense. One rarely sees these occur for stock or bond investments. Expenses...
by vnatale
Sun Apr 20, 2014 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken - Investment expenses?
Replies: 6
Views: 1234

Quicken - Investment expenses?

I'm using Quicken 2011. A 401(k) I was in would charge an annual fee. To keep the number of shares, and, therefore, the 401(k) value correct, I'd choose the "Remove - Shares Removed" transaction. However, now I'm seeing that although that was keeping my net worth correct it was not keeping...
by vnatale
Fri Mar 28, 2014 8:14 pm
Forum: Personal Investments
Topic: Financial Plan from Vanguard?
Replies: 23
Views: 4392

Re: Financial Plan from Vanguard?

I am investigating Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX)as a proxy for investing in: Growth Index Reit Index Value Index Small Cap Value Index and other Stock Index funds I've looked through the annual report, prospectus, and its portfolio holdings under its Portfolio & M...
by vnatale
Fri Mar 28, 2014 4:47 pm
Forum: Personal Investments
Topic: Financial Plan from Vanguard?
Replies: 23
Views: 4392

Re: Financial Plan from Vanguard?

A lot of good information and advice from all of you! I just finished an hour long discussion with my Vanguard rep and went over just about all the issues I initially did with my first post here. It was an excellent discussion and provided me with some good information and responses. 1) He too was p...
by vnatale
Fri Mar 28, 2014 3:11 pm
Forum: Personal Investments
Topic: Financial Plan from Vanguard?
Replies: 23
Views: 4392

Re: Financial Plan from Vanguard?

1) In every case they selected mutual funds. I wondered why they chose none of their ETFs, especially after one of my answers to their questionnaire was that: "When making a long-term investment, I plan to hold the investment for 9-10+ years". Not sure what you're getting at here. I don't...
by vnatale
Wed Mar 26, 2014 9:07 pm
Forum: Personal Investments
Topic: Financial Plan from Vanguard?
Replies: 23
Views: 4392

Financial Plan from Vanguard?

Has anyone else received a Financial Plan from Vanguard? In January, I gave information to Vanguard so it could provide a Financial Plan for me. I had scheduled a meeting with one of their CFPs to discuss it. However, I had to cancel that meeting as work pre-empted that time period. I've not yet res...
by vnatale
Wed Feb 26, 2014 1:41 pm
Forum: Personal Consumer Issues
Topic: Which Lenovo or Asus desktop computer to buy?
Replies: 55
Views: 8469

Re: Which Lenovo or Asus desktop computer to buy?

I agree. Not a CPU problem. It used to be in the old, old days. Whenever I'd make a change somewhere, I'd literally have to with for the change to ripple through everywhere. No more like that. Unless I'm hitting against RAM problems like I sometimes do with this home computer I'm using right now (wi...
by vnatale
Wed Feb 26, 2014 1:09 pm
Forum: Personal Consumer Issues
Topic: Which Lenovo or Asus desktop computer to buy?
Replies: 55
Views: 8469

Re: Which Lenovo or Asus desktop computer to buy?

I find it a lot cheaper(and fun) to build my own. I've built 3 so far over the years and it is fairly simple. If you need help check out the [H] forums http://hardforum.com/, they can help putting one together, advice on what to include or what to leave out. http://www.pcreview.co.uk/articles/Consu...
by vnatale
Wed Feb 26, 2014 1:06 pm
Forum: Personal Consumer Issues
Topic: Which Lenovo or Asus desktop computer to buy?
Replies: 55
Views: 8469

Re: Which Lenovo or Asus desktop computer to buy?

Also as an aside, I'd be surprised if you're really pushing the processor with your Excel demands. I could be wrong, but that would have to be a pretty impressive spreadsheet to do that! I have a laptop core i5 that's 1.5 years old now, with 4gb ram, and I've not once been CPU power limited with of...
by vnatale
Wed Feb 26, 2014 1:02 pm
Forum: Personal Consumer Issues
Topic: Which Lenovo or Asus desktop computer to buy?
Replies: 55
Views: 8469

Re: Which Lenovo or Asus desktop computer to buy?

Have you tried google docs? I suspect it'll do everything you need and then some. It's come a long way from its early days. I'm fairly certain that it would fail miserably. This is a fairly complex, intricate spreadsheet. Plus, I'd be dependent upon internet access and could possibly have speed iss...
by vnatale
Wed Feb 26, 2014 12:58 pm
Forum: Personal Consumer Issues
Topic: Which Lenovo or Asus desktop computer to buy?
Replies: 55
Views: 8469

Re: Which Lenovo or Asus desktop computer to buy?

And, this is a site I've had my eye on for years: http://www.mysuperpc.com When I add up his recommendations, it seems like a prebuilt one is either less expensive or has more in it. The reason for this is that the prebuilts usually skimp on things like power supply and video card, which aren't as ...
by vnatale
Wed Feb 26, 2014 11:44 am
Forum: Personal Consumer Issues
Topic: Which Lenovo or Asus desktop computer to buy?
Replies: 55
Views: 8469

Re: Which Lenovo or Asus desktop computer to buy?

I find it a lot cheaper(and fun) to build my own. I've built 3 so far over the years and it is fairly simple. If you need help check out the [H] forums http://hardforum.com/, they can help putting one together, advice on what to include or what to leave out. http://www.pcreview.co.uk/articles/Consu...