Search found 523 matches

by DoubleClick
Tue Feb 02, 2021 6:31 am
Forum: Personal Investments
Topic: New to personal investing with cash
Replies: 10
Views: 1102

Re: New to personal investing with cash

Are there any major differences from an investing perspective between the VG index funds and ETFs of the same market (eg VT / VTWAX) I understand they're structurally different financial instruments, that ETFs can trade by the minute, etc. No differences at Vanguard https://www.bogleheads.org/wiki/...
by DoubleClick
Mon Feb 01, 2021 8:32 pm
Forum: Personal Investments
Topic: Process to move HSA funds from HealthEquity to Fidelity (California)
Replies: 14
Views: 1531

Re: Process to move HSA funds from HealthEquity to Fidelity (California)

Fidelity seems to allow you to do this online from fidelity.com via their "Transfer". Of course, they probably are simply submitting the form to HealthEquity via paper - i.e., not via ACAT. Wouldn't initiating this via Fidelity be the preferred way to do it? This would avoid the hassle of ...
by DoubleClick
Mon Feb 01, 2021 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax imports don't seem to include carryovers
Replies: 6
Views: 660

Re: Turbotax imports don't seem to include carryovers

Those are quite the frustrating bugs! Although, I'm not surprised, given my general experience with tax software (any) over many years. I might have to revisit at least one of them now (the dividends). :shock: Thanks for the link, @celia.
by DoubleClick
Mon Feb 01, 2021 1:36 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax imports don't seem to include carryovers
Replies: 6
Views: 660

Re: Turbotax imports don't seem to include carryovers

celia wrote: Mon Feb 01, 2021 12:47 am I am switching from H&R Block (last year) to TurboTax (this year) because I ran into too many bugs last year, especially in the California forms.
OT, but curious: what were the bugs?
by DoubleClick
Mon Feb 01, 2021 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax imports don't seem to include carryovers
Replies: 6
Views: 660

Turbotax imports don't seem to include carryovers

I imported last year's taxes from a pdf generated by H&R Block.

Capital loss carryovers and AMT credit carryforward don't seem to have been imported. Is this to be expected (would be disappointing), or am I doing something wrong? The link above seems to imply this is supported.
by DoubleClick
Wed Dec 23, 2020 7:21 pm
Forum: Personal Investments
Topic: A Good Day to Buy (VTSAX)?
Replies: 21
Views: 3339

Re: A Good Day to Buy (VTSAX)?

rkhusky wrote: Wed Dec 23, 2020 6:58 pm Best to go by the ex-dividend date, since it is consistent between mutual funds and ETF’s.
Good tip to know.

Is a "reinvest ex-dividend date" different from the "ex-dividend date"? VTSAX has a "reinvest ex-dividend date" of 12/23, while VTI's is 12/24.
by DoubleClick
Wed Dec 16, 2020 7:24 am
Forum: Investing - Theory, News & General
Topic: Taylor Sends His Best to Fellow Bogleheads
Replies: 334
Views: 26934

Re: Taylor Sends His Best to Fellow Bogleheads

Very glad to hear the news that your treatment has been successful and you are back home. Thank you for your vision and contributions to this community! I and my family have benefitted immensely in just a short time from the knowledge that is shared here. God bless! I'll echo this post, Taylor. Gla...
by DoubleClick
Fri Jul 17, 2020 1:38 am
Forum: Investing - Theory, News & General
Topic: Computing after tax internal rate of return
Replies: 4
Views: 331

Computing after tax internal rate of return

I see plenty of threads on calculating internal rate of return, money weighted. But what's the easiest way to calculate after tax internal rate of return? Treat taxes as an expense? How to account for the cost basis of the final amount?

Is there a spreadsheet that would help with this?
by DoubleClick
Thu Jul 16, 2020 10:40 pm
Forum: Personal Consumer Issues
Topic: Who switched my windshield wiper arms?
Replies: 69
Views: 8947

Re: Who switched my windshield wiper arms?

depressed wrote: Thu Jul 16, 2020 8:17 am This is essentially the plot of a murder mystery: The Case of the Transposed Wipers by Carolyn Keene. In the plot, a
Hahahaha. Nicely done!
by DoubleClick
Wed Jul 15, 2020 1:30 am
Forum: Personal Finance (Not Investing)
Topic: How do you manage your taxes?
Replies: 65
Views: 4788

Re: How do you manage your taxes?

I just finished paying my taxes and it hurts EVERY. SINGLE. TIME My strategy is that I pay a bit out of my W4 to the Gov so that at the end of the tax year the burden is not so high. This year I did not calculate well, so the burden was higher. What aspect specifically hurts every single time? That...
by DoubleClick
Tue Jul 14, 2020 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: ISOs and AMT ... extension or amended return?
Replies: 22
Views: 692

Re: ISOs and AMT ... extension or amended return?

Yep, ISOs you exercise but don't sell are subject to AMT on the bargain element. Depending on your income in subsequent years, you can get the AMT you paid back as credit.

I'd pay estimated taxes with form 4868 (extension) now, and file later. No penalty, and no need to amend.
by DoubleClick
Tue Jul 14, 2020 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Which Tax Software
Replies: 43
Views: 5401

Re: Which Tax Software

Does anyone know if freetaxusa supports 1099 imports? I can't seem to find a list of supported investment houses.
by DoubleClick
Tue Jul 14, 2020 5:05 am
Forum: Personal Investments
Topic: Alternatives to cash
Replies: 14
Views: 2182

Re: Alternatives to cash

You can use the forum search. If you type "alternatives to cash" in the search box at the top you'll get 8,660 previous questions asking this. They aren't exactly inventing new alternatives to cash on a regular basis so all of the old suggestions still apply. Right. I'm not looking for a ...
by DoubleClick
Tue Jul 14, 2020 4:14 am
Forum: Personal Investments
Topic: Alternatives to cash
Replies: 14
Views: 2182

Re: Alternatives to cash

This seems more emotional/fear than a logical choice. How did they end up with 40% in the money market? Did they use to have bonds and sold it? Did they change the AA or was it already 60/40? Perhaps 20% in BND and 20% in a FIDC insured CD so that they are comfortable? As time passes, they may feel...
by DoubleClick
Mon Jul 13, 2020 11:29 pm
Forum: Personal Investments
Topic: Alternatives to cash
Replies: 14
Views: 2182

Re: Alternatives to cash

tj wrote: Mon Jul 13, 2020 11:26 pm Total Bond Market is not like the others you mentioned.
Why?
by DoubleClick
Sun Jul 12, 2020 6:49 pm
Forum: Personal Investments
Topic: Alternatives to cash
Replies: 14
Views: 2182

Alternatives to cash

Posting for a a retired relative in their 70s. They want to maintain a 60/40 portfolio (60% stocks). Most of their 40% is in a money market fund (SWVXX) that has made less than 0.5% in the last year. What would be a good alternative? They' are way of buying bonds like BND given their recent run up, ...
by DoubleClick
Wed Jul 08, 2020 8:36 pm
Forum: Personal Investments
Topic: Mega backdoor exit strategy question
Replies: 27
Views: 1817

Re: Mega backdoor exit strategy question

My plan unfortunately doesn't allow me to designate sources when exchanging funds, everything is pro rated, so it's basically impossible for me to specify that only after tax go to a specific low yielding fund Same with mine. I'm now getting familiar with the terminology: "source-specific tran...
by DoubleClick
Wed Jul 08, 2020 6:52 am
Forum: Personal Investments
Topic: Mega backdoor exit strategy question
Replies: 27
Views: 1817

Re: Mega backdoor exit strategy question

Ah, got it. Thanks for the clear explanation with the example, MrJedi!
by DoubleClick
Wed Jul 08, 2020 4:10 am
Forum: Personal Investments
Topic: Mega backdoor exit strategy question
Replies: 27
Views: 1817

Re: Mega backdoor exit strategy question

The wiki https://www.bogleheads.org/wiki/After-tax_401(k) says: Losses before rollover, "basis" could be lost if you don't leave a few pennies in the account. Check with your plan to see how it handles this situation. I don't understand this. Should I be concerned? I'm likely to have minor...
by DoubleClick
Tue Jul 07, 2020 3:45 pm
Forum: Personal Investments
Topic: Mega backdoor exit strategy question
Replies: 27
Views: 1817

Re: Mega backdoor exit strategy question

If you are against to stay within the plan with IRR option, then the next better option would be doing this at every couple months if you hate doing it every paycheck. You better have your ROTH IRA in same brokerage to get things done faster. Thanks, and yes, that's what I'm looking into: transferr...
by DoubleClick
Tue Jul 07, 2020 4:41 am
Forum: Personal Investments
Topic: Mega backdoor exit strategy question
Replies: 27
Views: 1817

Re: Mega backdoor exit strategy question

Can you open a new Roth IRA with your 401k custodian? That's what I ended up doing. Now it's a 10 minute (or less) phone call, they simply transfer (at end of business day) the [settled] after-tax amount to my Roth [with the same custodian]. Good idea to possibly reduce the hassle factor. I'll chec...
by DoubleClick
Tue Jul 07, 2020 4:37 am
Forum: Personal Investments
Topic: Mega backdoor exit strategy question
Replies: 27
Views: 1817

Re: Mega backdoor exit strategy question

panhead wrote: Mon Jul 06, 2020 6:43 pmIf you are doing regular backdoor Roth, you will need to confirm that your current 401k allows incoming rollovers and you will want to roll the traditional IRA back into your 401k.
I hadn't thought of this. Thanks for the idea, I'll check!
by DoubleClick
Tue Jul 07, 2020 4:36 am
Forum: Personal Investments
Topic: Mega backdoor exit strategy question
Replies: 27
Views: 1817

Re: Mega backdoor exit strategy question

lakpr wrote: Mon Jul 06, 2020 6:42 pm Answer 1: It depends on your specific 401k plan's rules.
Super helpful, thanks! I'll get the SPD and study it to figure out some of the issues you brought up.
by DoubleClick
Tue Jul 07, 2020 4:30 am
Forum: Personal Investments
Topic: Mega backdoor exit strategy question
Replies: 27
Views: 1817

Re: Mega backdoor exit strategy question

0) Learn any fees and frequency restrictions to get money from the plan to a Roth IRA 1) Ask your HR and confirm with Fido if you can take money to a Roth IRA after an in plan Roth Rollover executed Thanks. Unfortunately, custodian says I can either move money from after-tax to Roth IRA (manual pai...
by DoubleClick
Mon Jul 06, 2020 6:36 pm
Forum: Personal Investments
Topic: Mega backdoor exit strategy question
Replies: 27
Views: 1817

Re: Mega backdoor exit strategy question

I do, but it's massive effort: for each paycheck, I'd have to call in and have them send me a check which I'd have to send to my Roth IRA custodian.

Is this how people do mega backdoor?
by DoubleClick
Mon Jul 06, 2020 6:24 pm
Forum: Personal Investments
Topic: Mega backdoor exit strategy question
Replies: 27
Views: 1817

Mega backdoor exit strategy question

I plan to make "after-tax" contributions to an employer 401k. The easiest path seems to be to convert this to a Roth 401k. The downside is the limited investment choices, and being forced into the same investments as my traditional 401k. Questions: 1. If I do this, would I have to wait unt...
by DoubleClick
Sun Jul 05, 2020 12:25 pm
Forum: Personal Consumer Issues
Topic: Least Expensive Way to Have a Cellphone for emergency use only?
Replies: 54
Views: 3776

Re: Least Expensive Way to Have a Cellphone for emergency use only?

I have a phone in the household that is very rarely used on a T-Mobile prepaid plan for $3/mo. You get 30 minutes/texts per month, no data, and anything more is charged extra. They may have stopped selling that plan to new customers though as I can't find it on their site. There is a $3/month optio...
by DoubleClick
Sat Jul 04, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: Least Expensive Way to Have a Cellphone for emergency use only?
Replies: 54
Views: 3776

Re: Least Expensive Way to Have a Cellphone for emergency use only?

1. Last year, I have changed from Red Pocket GSMA to GSMT and kept the same number. But this will lose the remaining days so you should do it on the 30th day. 2. As another poster wrote, you should also "renew" on the last day of contract. Otherwise, you will lose remaining days. That's h...
by DoubleClick
Sat Jul 04, 2020 12:13 pm
Forum: Personal Consumer Issues
Topic: Least Expensive Way to Have a Cellphone for emergency use only?
Replies: 54
Views: 3776

Re: Least Expensive Way to Have a Cellphone for emergency use only?

Even if there were a renewal option it would only be good for renewals within the same network, I believe. Red Pocket customer service is pretty good via chat. If that doesn't work out, I recommend Number Barn for porting out and back in. Cool! For OP and others following along: looks like for $7, ...
by DoubleClick
Sat Jul 04, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: Least Expensive Way to Have a Cellphone for emergency use only?
Replies: 54
Views: 3776

Re: Least Expensive Way to Have a Cellphone for emergency use only?

This is inexpensive! I'm already on a RedPocket GSMA plan. I see GSMA 1-year plans for $60 on eBay. if I buy those, would you, by any chance, know if I can transfer to my existing red pocket phone number over to that plan? Anyone have experience with this? Thank you! If you mean buying the same pla...
by DoubleClick
Fri Jul 03, 2020 11:34 pm
Forum: Personal Consumer Issues
Topic: Least Expensive Way to Have a Cellphone for emergency use only?
Replies: 54
Views: 3776

Re: Least Expensive Way to Have a Cellphone for emergency use only?

Cheapest plan I know of: $30/year on Red Pocket, runs on Sprint. You get 200 MB, 200 minutes and 1000 SMS every MONTH. https://www.ebay.com/itm/2-50-Mo-Red-Pocket-Prepaid-Plan-CDMAS-200-Talk-1000-Text-200MB/133196831828 This is inexpensive! I'm already on a RedPocket GSMA plan. I see GSMA 1-year pl...
by DoubleClick
Mon Jun 22, 2020 3:21 am
Forum: Personal Finance (Not Investing)
Topic: Letting my company know I'm looking?
Replies: 43
Views: 4842

Re: Letting my company know I'm looking?

It would seem reasonable for you to agree to work for him until the end of August if he agrees to to keep you on until that time. If you accept a job before then, perhaps you should tell him and give him the option of cutting you loose early. That would be a win, win, win. You are on notice that yo...
by DoubleClick
Tue Jun 09, 2020 1:50 pm
Forum: Personal Investments
Topic: Taxable Brokerage Account - Real World Experiences for Married Couple
Replies: 17
Views: 2490

Re: Taxable Brokerage Account - Real World Experiences for Married Couple

We've held all taxable in joint investment accounts, under my (limited) understanding that these are considered community property, and thereby receive a full step up in basis: https://www.cpajournal.com/2017/08/18/greatest-hits-community-property-step-basis/ California Court Rules Jointly Titled In...
by DoubleClick
Sun Jun 07, 2020 11:40 pm
Forum: Investing - Theory, News & General
Topic: How does TLH harvesting help?
Replies: 22
Views: 1154

Re: How does TLH harvesting help?

Regardless, TLH’ing is great because it’s super easy to do. But it’s nothing groundbreaking. It can perhaps generate up to ~$1000 of value per year for those in the highest tax brackets. For most, it’s probably between $500 and $800 of value per year, max. For 5 minutes of work though, it’s a prett...
by DoubleClick
Sun Jun 07, 2020 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: How to weight risk-benefit for returning back to work for a pregnant wife during COVID-19?
Replies: 12
Views: 801

Re: How to weight risk-benefit for returning back to work for a pregnant wife during COVID-19?

We are also about to have our fast baby after extensive treatments and waiting for 16 years already to have this baby! We are in our early 40's, so this is our first and only chance. Congrats! My two cents: this would make it a no brainer to quit the job immediately without any further thought. I'd...
by DoubleClick
Mon May 18, 2020 1:17 am
Forum: Personal Finance (Not Investing)
Topic: How to respond to poor life decision affecting job
Replies: 32
Views: 4703

Re: How to respond to poor life decision affecting job

From here, it seems to me that you made perfectly good decisions with what you knew at the time. gr7070 above did a great job framing your misgivings in more objective light. May I suggest considering a counselor or psychologist who might be able to do the same thing even more effectively, one on on...
by DoubleClick
Thu May 14, 2020 12:35 am
Forum: Personal Finance (Not Investing)
Topic: finding someone to discuss numbers
Replies: 12
Views: 1206

Re: finding someone to discuss numbers

Kenkat wrote: Wed May 13, 2020 6:05 pm
fposte wrote: Wed May 13, 2020 5:54 pm
New Providence wrote: Wed May 13, 2020 5:51 pm Maybe a dating site?
Spendr? :D
Lol

I hear that’s just for a one time fling. I’d recommend Savr instead. :wink:
Hahahaha! Well done, all of you!

Not directed at you, OP, that was just too funny.
by DoubleClick
Wed May 13, 2020 5:30 am
Forum: Personal Investments
Topic: Tax Loss Harvesting Questions
Replies: 8
Views: 624

Re: Tax Loss Harvesting Questions

Simple. Sell both. You'll be taxed on the net gain ($5k in your example). TurboTax will do the right thing.

You're way overcomplicating this. This is not what is *commonly* called a TLH.
by DoubleClick
Sun May 10, 2020 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: No tax return after >10 weeks?
Replies: 67
Views: 5603

Re: No tax return after >10 weeks?

I don’t know why people would file via paper. https://www.irs.gov/newsroom/six-reasons-to-e-file I have always filed paper returns. It's outrageous that the IRS expects me to pay for software to do E-filing. A better question is why can't the IRS set up their own e-file system. It's almost like the...
by DoubleClick
Thu May 07, 2020 1:11 pm
Forum: Personal Consumer Issues
Topic: Craigslist - are these scams?
Replies: 49
Views: 3870

Re: Craigslist - are these scams?

atikovi wrote: Wed May 06, 2020 12:04 pm
goshenBogle wrote: Wed May 06, 2020 11:13 am (1) Receive email from a woman with a typical American sounding name.
(2) Receive email from a person with a foreign sounding name.
How do you tell what they sound like from an email? :mrgreen:
+1, what does a "typical American sounding name" sound like?
by DoubleClick
Sat May 02, 2020 12:51 pm
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3538

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

ARoseByAnyOtherName wrote: Sat May 02, 2020 12:10 pm Even if you continue to tilt small cap value (which is a perfectly understandable thing to do!) it's good to read dissenting viewpoints.
Great point. Overall, reading dissenting viewpoints is something we should encourage everyone to do.
by DoubleClick
Sat May 02, 2020 12:44 am
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3538

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

Sounds reasonable overall. Notes: - you have only 16% in bonds. Is this the target? - you have even less in bonds when considering tax adjusted asset allocation - how much more than domestic stock do you believe REIT and small cap will yield? Is the weighted expected value worth the simplicity trade...
by DoubleClick
Wed Apr 29, 2020 12:58 pm
Forum: Personal Investments
Topic: Schwab Intelligent Question on Tax Loss Harvesting
Replies: 11
Views: 722

Re: Schwab Intelligent Question on Tax Loss Harvesting

Jack FFR1846 wrote: Sun Apr 26, 2020 5:02 pm With them auto TLH, be sure that you haven't bought or sold anything that you're looking to sell in the last 30 days, which would trigger a wash.
Good point.
by DoubleClick
Wed Apr 29, 2020 12:54 pm
Forum: Personal Investments
Topic: Schwab Intelligent Question on Tax Loss Harvesting
Replies: 11
Views: 722

Re: Schwab Intelligent Question on Tax Loss Harvesting

With Schwab, you can print history. If you want to isolate a specific ETF, Stock, MF, you can. Yes, you can do this at pretty much any brokerage, including Vanguard. The question above was for cases where you've never owned the fund in question until now, and therefore don't have a history. This is...
by DoubleClick
Tue Apr 28, 2020 10:48 pm
Forum: Investing - Theory, News & General
Topic: What is the worst investing emotion and how does one avoid it?
Replies: 27
Views: 1599

Re: What is the worst investing emotion and how does one avoid it?

TheTimeLord wrote: Tue Apr 28, 2020 9:31 pm Greed/Envy.
+1. Getting over fear is the first step. Getting over greed is far harder.

Isn't there a quote about selling a fund with high gains being much harder than avoiding selling on a drop?
by DoubleClick
Sun Apr 26, 2020 5:15 pm
Forum: Personal Investments
Topic: AAPL MSFT GOOG AMZN ???
Replies: 85
Views: 7246

Re: AAPL MSFT GOOG AMZN ???

Lol. Yeah, he is. But in all fairness, your question implies that you haven’t really read the FAQ or understand what this site is all about. It’s like going to a liberal forum and asking how your MAGA hat looks and being upset when people say that it’s ugly. This. OP, if your research, reading, and...
by DoubleClick
Sun Apr 26, 2020 4:07 pm
Forum: Personal Investments
Topic: Schwab Intelligent Question on Tax Loss Harvesting
Replies: 11
Views: 722

Re: Schwab Intelligent Question on Tax Loss Harvesting

Thanks livesoft, that helps.

Wish Vanguard wouldn't make this difficult. This is a pain for funds I've never owned, which I do now because of TLHing.

Found https://sixfigureinvesting.com/2010/02/ ... tv-vv-vym/ for a few.
by DoubleClick
Sun Apr 26, 2020 3:28 pm
Forum: Personal Investments
Topic: Schwab Intelligent Question on Tax Loss Harvesting
Replies: 11
Views: 722

Re: Schwab Intelligent Question on Tax Loss Harvesting

What's the easiest way to get info on the dates one's funds pays out dividends?

Would be even better if it was a tool to check many funds/ETFs at once.
by DoubleClick
Wed Apr 22, 2020 5:24 am
Forum: Personal Investments
Topic: TLH question
Replies: 3
Views: 213

Re: TLH question

On March 25th, my VTSAX from my Roth IRA and Tradional IRA automatically repurchased shares from reinvesting dividends. On April 20th I exchanged VTSAX with VFIAX at a loss in my taxable account. Does this violate wash sale rules? Did you exchange your full VTSAX position for VFIAX? Unlikely becaus...