Search found 128 matches

by boglesmind
Sun Feb 18, 2018 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Include 1099R for direct rollover in 2017 1040?
Replies: 8
Views: 424

Re: Include 1099R for direct rollover in 2017 1040?

PriceOfFreedom,
Turbotax will print "ROLLOVER" next to 15b or 16b (as the case may be). As others have suggested, do include/report 1099-R in your 2017 form 1040.

Boglesmind
by boglesmind
Fri Feb 09, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 86
Views: 4921

Re: I didn't tax-loss harvest this month, did you?

TLH: Sold CA Intermediate term tax-exempt fund VCADX and bought National intermediate term tax-exempt fund VWIUX

Boglesmind
by boglesmind
Sat Feb 03, 2018 10:51 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rising Rates Increase Worries
Replies: 86
Views: 12970

Re: Larry Swedroe: Rising Rates Increase Worries

My understanding of the Stoneridge Funds are this: you have direct ownership of the business in semi-liquid form and the higher expense ratios reflect that your fees are paying for the cost of running that business. If Stoneridge bought stocks of banks rather than in effect being a bank, you can se...
by boglesmind
Sat Feb 03, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rising Rates Increase Worries
Replies: 86
Views: 12970

Re: Larry Swedroe: Rising Rates Increase Worries

What I will say is that there are people on this forum that I respect who invest in the alternative funds. There are also people here that I respect who don't invest in such funds. Pretty much it boils down to whether you believe in the theories behind the alternatives. We know there are several sc...
by boglesmind
Mon Jan 08, 2018 1:23 am
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 145
Views: 6088

Re: Misuse of adverse

This appears to have been lifted from Mark Twain: http://design.caltech.edu/erik/Misc/Twain_english.html Ha! I just walked past his office the other day. (The ambiguous pronoun reference is intentional) Reminds me of my spouse :-) and my spouse says so as well :-) With a nod to the click and clack ...
by boglesmind
Sun Jan 07, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 3829

Re: Best Phone Plan for 1 person

I just turned 24 and my parents are making me get on my own phone plan. I currently have a IPhone 5s on AT&T. I would like to upgrade to a newer phone (iPhone 8, Pixel 2, or Galaxy S8) I asked if I could stay on their plan and just write them a check and they said no so that’s not an option. My wor...
by boglesmind
Wed Jan 03, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard takes 2 days to settle tIRA funding?
Replies: 22
Views: 1532

Re: Vanguard takes 2 days to settle tIRA funding?

Hi, In previous years, when I did my backdoor ROTH conversion, I could do it on the 2nd trading day of the year. This year, I initiated funding of my tIRA account on 1/1. I expected the transaction to settle at close-of-trading on 1/2, so I could initiate the conversion today (1/3). However, it see...
by boglesmind
Sat Dec 30, 2017 10:20 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1752
Views: 312055

Re: What are you up YTD? [Year To Date]

1-jan to 31-dec-17 according to Quicken: 18.90%
cash: 2%, Bonds: 12%, Stocks: 86%

Boglesmind
by boglesmind
Fri Dec 29, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Use of 2FA Held My Accounts Hostage
Replies: 28
Views: 2628

Re: Use of 2FA Held My Accounts Hostage

.... Best guess as to what caused all this was that about seven days ago, when logging onto my account, I received a warning requesting me to update my account information since it has been over a year since the last time I did so. Normally I just ignore and proceed but this time I did and discover...
by boglesmind
Mon Dec 25, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51127

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

Any link to AMT calculator please? I rolled my own. As of yet, there are none that I'm aware of. Please see Model of New Tax Plan (House + Senate Compromise) by frugalprofessor. I played with it and it seems to calculate qualified dividends, capital gains, ordinary income and AMT levels fairly accu...
by boglesmind
Sun Dec 24, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 21397

Re: Do you see a meaningful change in your income with new Tax Bill?

(Now that its signed I'm guessing we've got permission to talk outside one official thread...) Anyway, I couldn't find a good calculator out there for year-to-year comparisons but it seems to me I'll benefit to the tune of some lunch money. I'm losing $60k+ in SALT deductions and gaining in reduced...
by boglesmind
Fri Dec 22, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 21397

Re: Do you see a meaningful change in your income with new Tax Bill?

(Now that its signed I'm guessing we've got permission to talk outside one official thread...) Anyway, I couldn't find a good calculator out there for year-to-year comparisons but it seems to me I'll benefit to the tune of some lunch money. I'm losing $60k+ in SALT deductions and gaining in reduced...
by boglesmind
Fri Dec 22, 2017 1:25 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51127

Re: Tax Bill Omnibus Thread

This bill is a tax hike for some non-resident aliens, including a selection of H1B and L1 visa-holding foreigners working in the US, and some previous US resident foreigner workers now no longer in the US but receiving US pensions. Non-residents could previously take the personal exemption, but can...
by boglesmind
Wed Dec 20, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51127

Re: Tax Bill Omnibus Thread

I think that you can see exactly what changes between current (2017) and future (2018 ->) for your own circumstances using http://taxplancalculator.com/ It is a very simple tool and the results are worth a thousand questions/words. Hope it helps. This tool is awesome - thanks for sharing! Beware! T...
by boglesmind
Tue Dec 19, 2017 12:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Stk Funds down yesterday 12 18
Replies: 4
Views: 854

Re: Vanguard Stk Funds down yesterday 12 18

What happened yesterday to some of the Vanguard Stk funds. The Dow was way up and several of the stock funds were down for the day. For example Windsor II was down -6.32%, Primecap down -4.48%, Morgan down -6.99%? Many others had similar effects. Was this due to dividends or did something big get h...
by boglesmind
Wed Dec 13, 2017 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 24206

Re: Prepayment of SALT Taxes? [State and Local]

How exactly would one reduce withholdings next year by enough to avoid overpayment? Be self-employed Or fill out a new W-4 form with your employer claiming more deductions. I know of friends who adjust their W-4 throughout the year based on vanguard distributions, expected bonus pay-outs, RSU vesti...
by boglesmind
Wed Dec 13, 2017 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 24206

Re: Prepayment of SALT Taxes? [State and Local]

The more fearful should also have well clear that the so called "backdoor Roth" is not necessarily legal. There is no IRS guidance on it either and many have express doubts in the case of quick, when not immediate, conversions following the investment. Not necessarily so. Please see More support fo...
by boglesmind
Wed Dec 13, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 24206

Re: Prepayment of SALT Taxes? [State and Local]

If I don’t write it in, it’t won’t appear. That much is certain. Let me rephrase my consideration about the cost of first-class stamps: The price for the 2017 edition of Turbo-tax may turn out to be thousands of dollars for some. You can override any line of Turbotax you want. You might have to buy...
by boglesmind
Sat Dec 09, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 24206

Re: Prepayment of SALT Taxes? [State and Local]

I've been playing with Turbotax. The very short answer that seems to be the case for me, is that if you are subject to AMT solely because of SALT deductions, I'm not sure that prepaying 2018 taxes (assuming it can be done) helps much. FWIW, I am I have an AGI of ~$400,000 and deductible SALT taxes ...
by boglesmind
Sat Dec 09, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 24206

Re: Prepayment of SALT Taxes? [State and Local]

I just played with Turbotax too. It appears that you have to make TT FEDERAL think that you made the 2018 state income tax prepayment as being FOR your state for tax year 2017 (even though it's for 2018). Then when you do the state return, you need to remove that amount so that your 2017 state retu...
by boglesmind
Sat Dec 09, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 24206

Re: Prepayment of SALT Taxes? [State and Local]

The only relevant one that I found was TAM 9303003: http://www.legalbitstream.com/scripts/isyswebext.dll?op=get&uri=/isysquery/irl4d2/2/doc. That one allowed the deduction, though the tax was with respect to the earlier year but otherwise payable in the later year. Thanks, Bruce. IANAL, but it seem...
by boglesmind
Sat Dec 09, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: AMT and taxable portion of state tax refund
Replies: 21
Views: 4882

Re: AMT and taxable portion of state tax refund

Does this require attaching the re-figured prior year regular tax and AMT calculations showing that there was no change in tax owed (in which case the entire refund is not taxable) or so much of the refund that does not result in a reduction of any tax owed? Yes in its own 2016 worksheet. I use Tur...
by boglesmind
Sat Dec 09, 2017 2:17 am
Forum: Personal Consumer Issues
Topic: 4WD necessary/recommended on Big Island, HI
Replies: 39
Views: 2920

Re: 4WD necessary/recommended on Big Island, HI

We took a helicopter tour from Hilo over the active lava flows and cauldron / vent. It was really great, since we didn't have extra days hiking in the park. We did not encounter smog on our trip. Definitely got to see stuff from the helicopter that we would never have seen otherwise. Our boat tour ...
by boglesmind
Fri Dec 08, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: Planning A Trip to French Polynesia - (Society Islands)
Replies: 14
Views: 948

Re: Planning A Trip to French Polynesia - (Society Islands)

Off topic: You may want to read "South Sea Tales" by Jack London (if you haven't done so already).

Boglesmind
by boglesmind
Wed Dec 06, 2017 8:38 pm
Forum: Investing - Theory, News & General
Topic: Does it look like a bubble to you?
Replies: 42
Views: 3836

Re: Does it look like a bubble to you?

This is a chart of the value of all stocks in all companies in all countries, globally. It is, technically, the market cap of Planet Earth, and everyone who sees it does a double take. In just the last few months, total market cap has rocketed past $80 trillion and is heading steadily toward $100 t...
by boglesmind
Wed Nov 01, 2017 2:01 pm
Forum: Investing - Theory, News & General
Topic: Fidelity / Vanguard app in mobile phones
Replies: 5
Views: 708

Re: Fidelity / Vanguard app in mobile phones

Note also that although there is no guarantee, the iPhone and iPad operating system (iOS) is in general far more secure to any form of hacking when compared to windows and also seems to be more secure vs macOS. Apple » Mac Os X : Security Vulnerabilities (CVSS score between 2 and 2.99) https://www....
by boglesmind
Mon Oct 23, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: How does/can Walmart offer such inexpensive prescriptions?
Replies: 107
Views: 7764

Re: How does/can Walmart offer such inexpensive prescriptions?

With all due respect, I'd love to get down in the weeds. As far as I know, to be a certified generic in the US, the FDA requires the exact same active ingredients. Now, a manufacturer may change the non-active fillers, but those should have no medical effect. OK. I do agree that for true "generics"...
by boglesmind
Tue Oct 17, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 112
Views: 11943

Re: WPA2 protocol used by vast majority of wifi connections has been broken

[*]Netgear and many other router manufacturers have firmware updates. https://kb.netgear.com/000049498/Security-Advisory-for-WPA-2-Vulnerabilities-PSV-2017-2826-PSV-2017-2836-PSV-2017-2837 Does anyone know why the netgear R6400 is missing from that list? It seems to be just about the only model mis...
by boglesmind
Mon Oct 16, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 112
Views: 11943

Re: WPA2 protocol used by vast majority of wifi connections has been broken

According to the KRACK site, it is the client devices that are the most vulnerable, not wifi routers: Our main attack is against the 4-way handshake, and does not exploit access points, but instead targets clients. So it might be that your router does not require security updates. We strongly advis...
by boglesmind
Thu Oct 12, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4804

Re: 2 factor authentication - What if something happens to you?

DW and I each have separate IRAs at Vanguard in our individual names. If I were to log-in to my account and change the title to both of our names would that change legal ownership to both of us? I already have her listed as the beneficiary. Customers don't have the ability to "edit" the title of th...
by boglesmind
Thu Oct 12, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Voiceprint technology (for authentication)
Replies: 24
Views: 1640

Re: Voiceprint technology (for authentication)

Google search of "security of voiceprint" brings up, among others, In May 2017, BBC fools HSBC voice recognition security system http://www.bbc.com/news/technology-39965545 . What's really alarming is that the bank allowed me seven attempts to mimic my brother's voiceprint and get it wrong, before I...
by boglesmind
Thu Oct 05, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating merit scholarships
Replies: 32
Views: 2404

Re: Negotiating merit scholarships

My nephew is an outstanding student who will enter college next Fall. He recently found out he got into the University of Arizona with a $35,000 merit scholarship, which is consistent with the "automatic" scholarship they generate for an out-of-stater with his stats (4.0+ GPA, high SAT) according t...
by boglesmind
Tue Oct 03, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 10689

Re: Senior citizens can lose everything to this growing scam

But...this is very concerning. I scanned the article and actually it appears that OP's title is a bit overactive, as it seems that the particular abuse described has been reined in to a degree. It sounded more to me like one bad actor got caught and one state may be enacting legislation to limit th...
by boglesmind
Thu Sep 28, 2017 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: I'm shocked! [Mother 100% in bonds and annuities]
Replies: 67
Views: 7228

Re: I'm shocked!

Should my mom start giving assets to my brother and I to protect her money in case dad gets worse ( Right now mom takes care of dad) or my mom gets to the point of needing care? I haven't had that talk yet. Am I correct about that? I hate to bring it up to her, so I haven't. Can I please get some i...
by boglesmind
Thu Sep 28, 2017 12:04 pm
Forum: Investing - Theory, News & General
Topic: VG using outsourcing to call me & I'm not happy
Replies: 76
Views: 8050

Re: VG using outsourcing to call me & I'm not happy

This was almost certainly phishing (or whatever the phone version is called). Its quite easy to fake a phone number. How the scammer knew about your Vanguard accounts is probably the most disturbing part. Not at all disturbing. Since there are so many scams nowadays, we seem to jump at shadows. Unl...
by boglesmind
Fri Sep 15, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 143
Views: 15123

Re: Another bay area housing thread..

From the article The inflamed bidding is just another indicator of Sunnyvale’s transformation from a modest middle-class community to one where only the wealthy can afford to buy, as has been the case for a number of years now in Palo Alto, Los Altos and other cities farther north. And it is a snaps...
by boglesmind
Mon Aug 28, 2017 2:19 pm
Forum: Investing - Theory, News & General
Topic: Why not just buy BRK.B or BRK.A?
Replies: 49
Views: 4444

Re: Why not just buy BRK.B or BRK.A?

The numbers are really great for the past. Do you expect the same outperformance in the future? Not for all time periods. For example, see Brk.A underperform S&P 500 since 1/1/2009. http://quotes.morningstar.com/chart/fund/chart.action?&t=XNAS:VFIAX®ion=usa&culture=en-US&cur=&dataParams=%7B%22zo...
by boglesmind
Sun Aug 13, 2017 2:57 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 431
Views: 69497

Re: Forum software upgrade bug reports and change requests

^^^ That's the home page screen, which is not affected by the software. Currently , there's no mobile support. I'm working on that with the site owners, which is a long-standing request. (There's no need to ask further, which has already been done in several threads.) Didn't know that. Thanks for t...
by boglesmind
Sun Aug 13, 2017 2:43 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 431
Views: 69497

Re: Forum software upgrade bug reports and change requests

An observation: the previous software version was more readable on my phone - although the text in posts is still formatted to fit the screen width, in this version the text is meaningfully smaller. The forum main page has tiny fonts on phones running Android 7.x (Nexus 5, 6p etc ) and each thread ...
by boglesmind
Thu Jul 20, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Must file late 5500-Ez - is this DIY?
Replies: 22
Views: 1888

Re: Must file late 5500-Ez - is this DIY?

Thanks for the info. It's definitely DIY for me but was just looking for a confirmation See https://thefinancebuff.com/form-5500ez-for-your-solo-401k.html and https://thefinancebuff.com/solo-401k-self-employment.html . It does take about 15 minutes to fill this form. BTW, Fidelity or Vanguard doesn...
by boglesmind
Thu Jul 06, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: When should I exercise my incentive stock options?
Replies: 34
Views: 3125

Re: When should I exercise my incentive stock options?

Another question: Does form 83(b) come into play with incentive stock options? I believe so, but the 30 day limit from date of grant may keep this option off the table. Subscribing since I'm about to start vesting ISO's in a small, venture funded company. Low/mid 5-figure strike, with an upper 7-fi...
by boglesmind
Wed Jul 05, 2017 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on 1.2m (now 900K) house purchase
Replies: 192
Views: 15114

Re: Seeking advice on 1.2m house purchase

deleted -- corrected by others
by boglesmind
Thu Jun 29, 2017 6:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 159
Views: 24457

Re: Vanguard upgraded my accounts - angry

So you are saying that if I click on "balances and holdings over time" ... "over time" will only be from the transition date forward (i.e. from now going forward)? I won't see "balances and holdings" starting from 01/03/2011 (when I first contributed to this mutual fund)? My "Balances over time" sc...
by boglesmind
Sun Jun 25, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Bay Area housing
Replies: 69
Views: 7469

Re: Bay Area housing

The daunting thing here is all those people who are buying with all-cash. Consider that if they're cashing out stock options, you need to cash out close to $4M to have $2M after all the taxes. Sure, the bay area is popular and minting money like crazy, but it does drive some concerns about whether ...
by boglesmind
Sun Jun 25, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: Bay Area housing
Replies: 69
Views: 7469

Re: Bay Area housing

It's a lateral move, so what's the issue? You'll pay more for re taxes. I would think the California real estate bubble will have to pop sooner or later. Everyone is saying it's different this time....lol. Funny how so many people here seem to be split on whether we are in a bubble or not. To me, t...
by boglesmind
Wed Apr 26, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Calif Tax Refund Length of Time to Receive
Replies: 19
Views: 1713

Re: Calif Tax Refund Length of Time to Receive

Paper returns mailed 8th April, refund approved 20th April and direct deposit received 26th April. 18 days from filing to receiving refund, faster than the month it took last year.

Boglesmind
by boglesmind
Thu Feb 23, 2017 1:23 am
Forum: Investing - Theory, News & General
Topic: Extreme Valuations, and why you should reconsider
Replies: 307
Views: 25703

Re: Extreme Valuations, and why you should reconsider

FWIW, in January 2000 the CAPE 10 was forecasting a real return to US stocks of 2.3%, it has been 3%. I'd say that was a very good prediction. Larry Out of curiosity, does that include dividends? I wonder if there is a chart of CAPE-10 based forecasts of US stocks since the beginning of CAPE-10 vs ...
by boglesmind
Sun Feb 19, 2017 9:38 pm
Forum: Investing - Theory, News & General
Topic: Primecap Admiral Fund VPMAX
Replies: 14
Views: 2740

Re: Primecap Admiral Fund VPMAX

Our 401K plan included Vanguard Primecap and Fidelity Growth Fund (FDGRX). Happy owning them since late 90s. It's sort of academic for most folks, anyway since it's closed to new investors. Owned Vanguard Primecap Core Fund (VPCCX) in taxable account from 2004 since VPMAX is closed. Performance of V...