Search found 195 matches

by Drew31
Tue Dec 26, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Living Trust - Will
Replies: 55
Views: 5441

Re: Living Trust - Will

Recos on good books?
by Drew31
Tue Dec 26, 2017 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Child Tax Credit /Capital Gains Advice - What would you do?
Replies: 14
Views: 1209

Re: Child Tax Credit /Capital Gains Advice - What would you do?

Is the 109K before or after Cap Gains/Dividends? If before, looks like you're already above phase out. Any other pre tax payroll deductions you're leaving out?
by Drew31
Sun Dec 24, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Streaming Eagles-Raiders Game on Christmas Evening
Replies: 7
Views: 1255

Re: Streaming Eagles-Raiders Game on Christmas Evening

Sling TV. One of packages has ESPN. A lot of times They let you try 7 days viewing free.

No sure on any intl restrictions though..,
by Drew31
Fri Dec 22, 2017 9:30 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 168
Views: 21190

Re: Bitcoin in Freefall

Hilarious...I just thought I wonder if we need a Bitcoin in freefall thread. Refreshed Bogleheads and there it is!

Just read something that said down 40% from record
by Drew31
Thu Dec 21, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 63337

Re: Tax Bill Omnibus Thread

Seems like most people's posts are getting lost on the thread given all the disparate topics: effects on SALT, for pass through owner, real estate, muni treatment, etc. I'm not sure what difference it makes having one versus 10 threads but it's not my board so not my rules. Agreed, this kind of arb...
by Drew31
Wed Dec 20, 2017 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 63337

Re: Tax Bill Omnibus Thread

If the personal exemption is suspended, what is the tax benefit of claiming my children as the dependent? Please enlightened me. Instead of a ~$4000 exemption, which reduces taxes by $1000 at 25% marginal rate, you get $2000 child tax credit, so roughly $1000 less in income taxes per child. Or a fl...
by Drew31
Wed Dec 20, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 63337

Re: Tax Bill Omnibus Thread

Will be paying Jan and Feb mortgage payments this month. Doesn't look like I'll be itemizing any longer. You can only pay January, which is reality December paid in arrears - in other words you are paying December pmt in December, vs the first few days of January (which is what I did this week). Ta...
by Drew31
Wed Dec 20, 2017 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 63337

Re: Tax Bill Omnibus Thread

Will be paying Jan and Feb mortgage payments this month. Doesn't look like I'll be itemizing any longer. I would suggest to check with your mortgage company whether they will report the interest for those payments in 2017 or 2018. I think you can only do Jan by the end of the year. Interest must be...
by Drew31
Wed Dec 20, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 63337

Re: Tax Bill Omnibus Thread

Will be paying Jan and Feb mortgage payments this month. Doesn't look like I'll be itemizing any longer. I would suggest to check with your mortgage company whether they will report the interest for those payments in 2017 or 2018. I think you can only do Jan by the end of the year. Interest must be...
by Drew31
Wed Dec 20, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 63337

Re: Tax Bill Omnibus Thread

If the personal exemption is suspended, what is the tax benefit of claiming my children as the dependent? Please enlightened me. Instead of a ~$4000 exemption, which reduces taxes by $1000 at 25% marginal rate, you get $2000 child tax credit, so roughly $1000 less in income taxes per child. Or a fl...
by Drew31
Wed Dec 20, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 63337

Re: Tax Bill Omnibus Thread

rkhusky wrote: ↑
Wed Dec 20, 2017 2:25 pm
Those with children will probably find that their marginal rate is increasing, even if their taxes go down. The Child Tax Credit is applied after taxes are computed, whereas the disappearing exemptions were applied before taxes were computed.
Nice call out. Hadn't thought about that one yet.
by Drew31
Wed Dec 20, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 63337

Re: Tax Bill Omnibus Thread

Will be paying Jan and Feb mortgage payments this month. Doesn't look like I'll be itemizing any longer. I would suggest to check with your mortgage company whether they will report the interest for those payments in 2017 or 2018. Good idea to call. Just did and they state everything paid in 2017 w...
by Drew31
Wed Dec 20, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 63337

Re: Tax Bill Omnibus Thread

Will be paying Jan and Feb mortgage payments this month. Doesn't look like I'll be itemizing any longer.

IMP EDIT: Later on in thread it was determined that only the Jan payment is deductible due to tax rules.
by Drew31
Sun Dec 17, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Question on Calculating IRA Deduction
Replies: 3
Views: 363

Re: Question on Calculating IRA Deduction

Thanks. Yep, read that part too which also made me feel that the worksheet is just per person. Also, at the top before the worksheet it says something along the lines of completing for you and your spouse separately. Guess I just am looking for a line that says "complete this worksheet for you, then...
by Drew31
Sun Dec 17, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Question on Calculating IRA Deduction
Replies: 3
Views: 363

Question on Calculating IRA Deduction

Pub 590-A, Worksheet 1-2 which calculates how much of traditional IRA you may deduct.... If MFJ, does the calculated amount apply to both or must calculate each spouse individually, then sum the total to put on to 1040? Realize there is a lot of nuance here, but assume I follow instructions for me a...
by Drew31
Wed Nov 22, 2017 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: New Roth IRA @Vanguard, 80/20, which funds to choose?
Replies: 16
Views: 1744

Re: New Roth IRA @Vanguard, 80/20, which funds to choose?

Thanks all of you! It looks like everybody agrees :) The ER is 0.15 so it still looks good. If I wanted to do 90/10 , what would you recommend me in this case? Peruse the Target Retirement Funds. Don't worry about matching the year to your expected portfolio, just find one that matches your desired...
by Drew31
Wed Nov 22, 2017 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 119
Views: 12113

Re: TaxAct and alternatives

I did FreeTaxUSA last year and had no issues. CreditKarma also has a free federal and state program that I would try if FreeTaxUSA starts charging. If you already use CreditKarma for credit reporting, you might want to give it a shot. https://www.creditkarma.com/tax Thanks, aristotelian. I've read ...
by Drew31
Wed Aug 30, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 13573

Re: Companies/Brands You Love?

First few that come to min Coke Zero I was a big Coke Zero fan until they recently changed the formula and renamed it "Coke Zero Sugar" -- I'm curious what your thoughts are on that. Something about the new formulation made me nauseous. Diet Coke from here on out... I have an unopened case of the n...
by Drew31
Wed Aug 30, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 13573

Re: Companies/Brands You Love?

First few that come to min Coke Zero I was a big Coke Zero fan until they recently changed the formula and renamed it "Coke Zero Sugar" -- I'm curious what your thoughts are on that. Something about the new formulation made me nauseous. Diet Coke from here on out... I have an unopened case of the n...
by Drew31
Wed Aug 30, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 13573

Re: Companies/Brands You Love?

First few that come to mind

Skechers
Thorntons (Gas Station)
Nivea for Men
Coke Zero
Asus
by Drew31
Tue Aug 29, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Help
Replies: 7
Views: 553

Re: Refinance Help

Appreciate the additional thoughts/ideas. I may end of calling just to see on some more specifics. Where the appraisal would land would really be the key to all this.

I certainly agree not to rely on Zillow quote
by Drew31
Tue Aug 29, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Help
Replies: 7
Views: 553

Re: Refinance Help

Thanks, appreciate the input. Agree on the PMI and certainly have a desire to get rid of that quickly. Part of what causes me to lean refinance because, IF, zillow is partially correct and home has increased in value, that means it'd be that much quicker to get to that point. 30yr refinance makes no...
by Drew31
Tue Aug 29, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Help
Replies: 7
Views: 553

Refinance Help

Never refinanced before, so trying to understand options, way forward...if any Current Situation: $268K balance 4.125% 30yr ~28 years remain Home Value: Appraised @ $295K 2 years ago at purchase. Zillow tells me its $323K now. Since purchase, we've put in new windows, new roof, new water heater, pai...
by Drew31
Fri Nov 18, 2016 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 144
Views: 24056

Re: TaxAct pre-purchase discount

$43 ($18 Federal / $25 State) hardly seems a bargain considering that it's over three times what I paid for the combined product last year. Hopefully that won't be the "low price" I locked in six months ago or I'll be searching for a more competitive priced product...assuming there is one. Freetaxu...
by Drew31
Fri Nov 18, 2016 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Roth Minimum $ Question
Replies: 7
Views: 1071

Re: Vanguard Roth Minimum $ Question

Keep in mind too that the Target Retirement date funds only have $1000 limit. So you could always just invest in one of those until you get $3K. Assuming you have $1K....
by Drew31
Mon Nov 14, 2016 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Book recommendation to new investors
Replies: 11
Views: 1507

Re: Book recommendation to new investors

The Only Investment Guide You"ll Ever Need. Andrew Tobias :happy Check the library. Preview https://books.google.com/books/about/The_Only_Investment_Guide_You_ll_Ever_Ne.html?id=YBpLTcTSAxEC Seconded. While it might not actually be the only guide you'll ever want to read, it has ample information t...
by Drew31
Fri Nov 11, 2016 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: target date with high ER vs index fund with low ER
Replies: 12
Views: 1301

Re: target date with high ER vs index fund with low ER

My fidelity 401k is similar. Target date funds around .6 or I can use s&p 500, r2000, intl, and bond index funds for .04, .06, .10, and .05 respectively. I choose to invest individually to save cost to create my 3 fund.
by Drew31
Thu Nov 10, 2016 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Simplify my Portfolio?
Replies: 14
Views: 1525

Re: Simplify my Portfolio?

Your savings rate sounds good. At age 35 a bond allocation of 25% is within the range of what is reasonable in my opinion. It looks like you have some excellent index funds offered in his 401k, and a good large-cap index fund offered in her 401k. What other index funds are offered in her 401k? Abou...
by Drew31
Wed Nov 09, 2016 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Simplify my Portfolio?
Replies: 14
Views: 1525

Re: Simplify my Portfolio?

Drew31: Thank you for providing more information. Your most important decision is your overall stock/bond ratio. More than anything else, it determines your expected risk and your expected return. In my opinion, managing 13 individual funds is unnecessary and almost always counterproductive. At the...
by Drew31
Wed Nov 09, 2016 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Simplify my Portfolio?
Replies: 14
Views: 1525

Re: Simplify my Portfolio?

The decision to tilt or not to tilt is less important than the discipline required to stick to your plan. This is what I'm really beginning to believe and simpler is better. To me this would control the decision. Your 401k options will not let you tilt long-term, and it's only the long-term that co...
by Drew31
Wed Nov 09, 2016 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Simplify my Portfolio?
Replies: 14
Views: 1525

Re: Simplify my Portfolio?

Taylor: Some additional detail below. No taxable. I have a rollover IRA, His 401k, Her 401k, His HSA. (We both also recently began funded Roths but lets ignore for simplicity's sake). I rounded liberally below, so probably won't add to 100. My "target" allocation at the moment US TSM - 27% US SCV - ...
by Drew31
Wed Nov 09, 2016 2:20 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2248
Views: 1422360

Re: The Three-Fund Portfolio

Since I'm debating removing my tilts for a 3fund in another thread I'm curious for those that have held the 3 fund for s number of years have you had any regrets? Ever felt as if you were "missing out"?
by Drew31
Wed Nov 09, 2016 2:17 pm
Forum: Investing - Theory, News & General
Topic: Bonds are getting crushed...
Replies: 42
Views: 10661

Re: Bonds are getting crushed...

simplesimon wrote:With US equity up 1% today, I'm selling equities and buying bonds and REIT.
Who thought that was going to be the case about 10PM last night?
by Drew31
Wed Nov 09, 2016 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Simplify my Portfolio?
Replies: 14
Views: 1525

Re: Simplify my Portfolio?

How much are you tilting toward REIT and Small Value? How long have you held the tilts? This doesn't have to be complicated. If you've dedicated 10% or so to each of these asset categories just stick with it. Not really a big deal. I'm all for simplicity, but mentioning your early demise and tracki...
by Drew31
Wed Nov 09, 2016 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Simplify my Portfolio?
Replies: 14
Views: 1525

Re: Simplify my Portfolio?

What decision are you more likely to be able to stick to over the next couple of decades knowing that it's very likely that both a tilted and non-tilted portfolio will have extended runs of outperformance and underperformance when compared to each other? Good point. Thanks. I'm fairly confident I c...
by Drew31
Wed Nov 09, 2016 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Simplify my Portfolio?
Replies: 14
Views: 1525

Simplify my Portfolio?

"The enemy of a good plan is quest for perfect plan" I know this is something continuously hashed out and multiple threads exist, but I currently tilt to small/value and REIT but as I've reviewed my IPS, I've begun to seriously debate just switching to 3 fund. 35 y/o so 20-30 years accumulation ahea...
by Drew31
Sat Oct 29, 2016 9:34 pm
Forum: Investing - Theory, News & General
Topic: How much international?
Replies: 80
Views: 10829

Re: How much international?

I'm at 40%. I'm happy with it though I've been tempted to tinker with it - 5pts. I think my sweet spot is anywhere between 30-40. Anything over or under those numbers would cause anxiety feeling I'm over focusing on US or Intl. So that would make sense to make target 35, but now would seem like a du...
by Drew31
Tue Oct 25, 2016 6:54 pm
Forum: Personal Consumer Issues
Topic: Where to go for blood tests (w. no insurance)
Replies: 27
Views: 4974

Re: Where to go for blood tests (w. no insurance)

Check out Walk in Lab
by Drew31
Mon Oct 24, 2016 1:23 pm
Forum: Investing - Theory, News & General
Topic: Dr. Bill Bernstein Books
Replies: 40
Views: 4785

Re: Dr. Bill Bernstein Books

Agreeing with others on Four Pillars being excellent choice. Was one of early books I read as I learned about investing. Currently reading Investors Manifesto and enjoying it as well.
by Drew31
Wed Oct 19, 2016 8:35 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 144
Views: 24056

Re: TaxAct pre-purchase discount

Jacotus wrote:
mikep wrote:I suspect this is the year I dump taxact.
I'm with you.
3rd. I'm intrigued by the freefillableforms or freetaxusa options suggested earlier in thread.
by Drew31
Tue Oct 18, 2016 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 144
Views: 24056

Re: TaxAct pre-purchase discount

For those comparing the $13 or so products.. TaxAct has the online versions, which have prices that seem to match last years download prices; $0/$9/$13.50/$18. Just google for a promo code and follow the links. I initially posted a link but it looks like it gives that website a kickback, so you can...
by Drew31
Tue Oct 18, 2016 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my IPS Bond Portfolio Review
Replies: 5
Views: 545

Re: Thoughts on my IPS Bond Portfolio Review

Saltycaper..... Thanks. Makes perfect sense. Think I was getting lost on what would be considered a "small" ratio but your examples spelled that out well.
by Drew31
Tue Oct 18, 2016 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my IPS Bond Portfolio Review
Replies: 5
Views: 545

Re: Thoughts on my IPS Bond Portfolio Review

For TIPS, consider things such as the likelihood of your wages keeping up with inflation (less likely, more TIPS), the proportion of your portfolio in fixed income (more fixed income, more TIPS), your income/portfolio ratio (smaller ratio, more TIPS) , major changes in projected future income/portf...
by Drew31
Tue Oct 18, 2016 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my IPS Bond Portfolio Review
Replies: 5
Views: 545

Thoughts on my IPS Bond Portfolio Review

Long post...35, married, 75/25 stock to bond allocation. Portfolio size currently a little over 6 figures but projected savings rate will have us adding ~20% of that each year going forward. Currently, I have a core three fund portfolio but tilt to REITs, small and value. Bond holdings are 100% Tota...
by Drew31
Mon Oct 03, 2016 8:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is Livesoft?
Replies: 94
Views: 17874

Re: Where is Livesoft?

parsi1 wrote:He is on a road trip with Rich Ferri.
My guess is at this moment they are building a bonfire and drinking beer. :D :sharebeer
Is this Rick's Brother??? :D :sharebeer
by Drew31
Tue Sep 20, 2016 4:04 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity do Vanguard's 'Balances by Date' Feature
Replies: 9
Views: 1609

Re: Does Fidelity do Vanguard's 'Balances by Date' Feature

That is interesting. Made me login to check. This is a 401k I have through my employer. I go to statements and can view online statements and it gives me the choices of monthly, quarterly, YTD, Specific date, or custom date range (w/in 24 mos).
by Drew31
Tue Sep 20, 2016 11:03 am
Forum: Investing - Theory, News & General
Topic: Does Fidelity do Vanguard's 'Balances by Date' Feature
Replies: 9
Views: 1609

Re: Does Fidelity do Vanguard's 'Balances by Date' Feature

I use the statements tab. There you can enter in a specific date as one of the options.
by Drew31
Fri Sep 16, 2016 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: HSABank: How to withdraw money and reflect it in taxes?
Replies: 56
Views: 5008

Re: HSABank: How to withdraw money and reflect it in taxes?

I have read of HSA custodians that do require receipts or claim forms, but HSA Bank does not. Last I knew their daily direct withdrawal limit was $500. I have HSA with HSA Bank. This was true at beginning of this year for me, but I called customer service and they were able to override the limit fo...
by Drew31
Fri Sep 16, 2016 8:23 pm
Forum: Investing - Theory, News & General
Topic: "Factor investing"
Replies: 234
Views: 29572

Re: "Factor investing"

The title of the new book is MAKE FACTORS GREAT AGAIN, and we are going to build a GREAT wall and keep out all the active investors, and we are going to get the brokers to pay for it too. Best laugh I've had in a few days! Kevin LOL!!! Didn't know Larry had such a great sense of humor. Hope the boo...
by Drew31
Sun Mar 06, 2016 9:01 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 49640

Re: [Fidelity drops AmEx, Bank of America credit cards]

Curious if anyone has had recent luck converting recently. Is it better to call Fidelity, FIA or Elan? All you can do right now is apply for a new account with Fidelity/Elan, you can't initiate a conversion of an existing FIA-issued card from your side. There is the potential for a lot of confusion...