Search found 889 matches

by TIAX
Wed Jan 10, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Diminished value claim - small claims court
Replies: 23
Views: 1242

Re: Diminished value claim - small claims court

I have never sued anyone and could be dead wrong on this but I think your diminished value lawsuit might be better directed specifically at the person that hit you/caused the accident rather than trying to sue the person's insurance company. May be best to let them fight their own insurance company...
by TIAX
Mon Jan 08, 2018 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to fund non-employer HSA
Replies: 6
Views: 547

Re: Best way to fund non-employer HSA

Unless you have a high income there is an additional advantage to having your employer withhold your contributions. You will not have to pay social security tax on those earnings. I don't know the limit specifically (it's around 130k), but you could google it. You also avoid medicare tax, irrespect...
by TIAX
Sun Jan 07, 2018 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: PE firm is buying my [medical] practice. Help!
Replies: 32
Views: 4212

Re: PE firm is buying my practice. Help!

Would you be investing in something like this if you weren't an employee?
by TIAX
Fri Jan 05, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest in vietnam stock market?
Replies: 19
Views: 1467

Re: How to invest in vietnam stock market?

First, the price is not rising https://finance.yahoo.com/quote/vnm?ltr=1 Since Aug 2009 the fund lost around 17% of its value Second, the past performance is not related to the future performance. Finally, if you consider holding total international index fund instead, you would be holding Vietnam ...
by TIAX
Fri Jan 05, 2018 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Cost Basis Accounting Errors
Replies: 12
Views: 996

Re: Vanguard Cost Basis Accounting Errors

integritetus wrote:
Fri Jan 05, 2018 4:20 pm
But, after the cost basis information is restored, I intend to ask for an explanation as to how this could have occurred twice in my account.
Please report back and update us.
by TIAX
Fri Jan 05, 2018 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Cost Basis Accounting Errors
Replies: 12
Views: 996

Re: Vanguard Cost Basis Accounting Errors

Has anyone had problems with Vanguard accurately tracking FIFO or specific ID cost basis with covered shares (purchased after the IRS regulations changed in 2011)? If so were your problems with mutual funds or ETFs? Did you have both uncovered and covered shares of the same holding? Yes, I've had V...
by TIAX
Wed Jan 03, 2018 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest in vietnam stock market?
Replies: 19
Views: 1467

Re: How to invest in vietnam stock market?

Heard that vietnam market is growing? Any recommendations for investing in vietnam total stock market? Anything from Vanguard? I did look into VNM (ETF) and seems like price is rising but it took a steep decline from $30 to $13 back in 2015? Why is this? Thank you in advance. So you want to invest ...
by TIAX
Wed Jan 03, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 131
Views: 12177

Re: Embarrassment Preventing Retirement Work: A factor for you?

facepalm wrote:
Wed Jan 03, 2018 10:42 am
We have a number of subs at our school site that are retired teachers. I never think they sub because they need the money; I always assume they do it because they like the social aspect of the job and still like kids.
Teaching is a bit different than a fast food job.
by TIAX
Wed Jan 03, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on iShares S&P 500 EUR Hedged UCITS
Replies: 8
Views: 292

Re: Thoughts on iShares S&P 500 EUR Hedged UCITS

wec wrote:
Wed Jan 03, 2018 8:46 am
I have a comission fee of 2eur + 0.02% on this one.
Are there no brokerages with commission-free ETFs available to you?
by TIAX
Sat Dec 30, 2017 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Stay with TD Ameritrade or move to Schwab,Fidelity
Replies: 37
Views: 2379

Re: Stay with TD Ameritrade or move to Schwab,Fidelity

livesoft wrote:
Sat Dec 30, 2017 6:24 pm
TIAX wrote:
Sat Dec 30, 2017 6:13 pm
Why did SSGA split (6:1) SPTM in October, thereby effectively raising trading costs?
I would not be surprised if it was to make a place like TDAmeritrade more money off of the market maker kickbacks.
That sounds about right. Vanguard, by the way, does just the opposite.
by TIAX
Sat Dec 30, 2017 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Stay with TD Ameritrade or move to Schwab,Fidelity
Replies: 37
Views: 2379

Re: Stay with TD Ameritrade or move to Schwab,Fidelity

Why did SSGA split (6:1) SPTM in October, thereby effectively raising trading costs?
by TIAX
Sat Dec 30, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Stay with TD Ameritrade or move to Schwab,Fidelity
Replies: 37
Views: 2379

Re: Stay with TD Ameritrade or move to Schwab,Fidelity

Can you provide more details on the spreads? Was it around 4 cents per share for each ETF? No, it was simply math. As I noted before, let's take a look at VTI trading at 137 or so with a 1 cent spread. Compare that to SPTM trading at 33 with a 1 cent spread. You immediately see that 137/33 is more ...
by TIAX
Sat Dec 30, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Stay with TD Ameritrade or move to Schwab,Fidelity
Replies: 37
Views: 2379

Re: Stay with TD Ameritrade or move to Schwab,Fidelity

I have started to make transactions with SPTM, SPAB, and SPSB. My experience is that the bid/ask spreads are about 4 times higher than with the Vanguard ETFs and rather than have market orders happen at the halfway point between bid and ask, that market orders to buy will usually take place at the ...
by TIAX
Thu Dec 28, 2017 1:38 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 160
Views: 18305

Re: TurboTax Prices

I've been using Home and Business for the past couple of years, but I'm wondering if it's overkill. I just need to file a Schedule C for a very basic sole proprietorship. And then just dividends and capital gains in addition to W2 income on the personal side. I'll likely itemize deductions (probabl...
by TIAX
Thu Dec 28, 2017 1:03 am
Forum: Personal Finance (Not Investing)
Topic: 12k for PLLC tax setup? Advice appreciated
Replies: 3
Views: 303

Re: 12k for PLLC tax setup? Advice appreciated

What's the point of having the extra layer?
by TIAX
Wed Dec 27, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: graduate MBA school on time, or wait to have company pay for tuition?
Replies: 15
Views: 466

Re: graduate MBA school on time, or wait to have company pay for tuition?

Just don't want to risk failing/getting a "C" in a course my last semester with a bad professor :wink: Also, I am currently registered with really good professors for my Spring semester courses (I can unenroll if I decide to take time off) and do not want to risk getting bad professors by taking a ...
by TIAX
Wed Dec 27, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 878
Views: 48955

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

I live in NY and even with kids I'm going to get a considerable increase in taxable liability. Mostly due to the 10k limit in deductions; I reached that in mtg interest alone, let alone 15k in property & school taxes, 8k in state tax and of course the personal exemption elimination. I'll keep my po...
by TIAX
Wed Dec 27, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: graduate MBA school on time, or wait to have company pay for tuition?
Replies: 15
Views: 466

Re: graduate MBA school on time, or wait to have company pay for tuition?

Also, I am currently registered with really good professors for my Spring semester courses (I can unenroll if I decide to take time off) and do not want to risk getting bad professors by taking a semester off. Just looking for thoughts/feedback from the boglehead-verse. [/quote] No one reading your ...
by TIAX
Tue Dec 26, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 878
Views: 48955

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

So, suppose you contribute $5000 more to the 401(k) in 2017, and $5000 less in 2018. You will get back an extra $1250, which is 25% of $5000, in 2017. And you will pay an extra $1100 in tax, which is 22% of $5000, in 2018. You come out $150 ahead, and you still have the same amount invested for ret...
by TIAX
Mon Dec 25, 2017 11:18 pm
Forum: Investing - Theory, News & General
Topic: Tax Reform - Revised Kiddie Tax
Replies: 41
Views: 3934

Re: Tax Reform - Revised Kiddie Tax

In the conference report (the plain language section PDF file pages 534-535): It says that for estates/trusts, the 15% cap gain/QDI rate starts at taxable income of 2,600 and 20% cap gain/QDI rate starts at taxable income of 12,700. In other words, only the first 2,599 is taxed at 0% and the tax ca...
by TIAX
Mon Dec 25, 2017 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: EU Passport For Cheap College and Other Benefits
Replies: 52
Views: 3528

Re: EU Passport For Cheap College and Other Benefits

There is also a critical difference between the use of time. European students spend most of their time on their studies; American students hold part-time jobs that distract them from their studies. Victoria I'm a little surprised people make these kinds of statements without any evidence. To the c...
by TIAX
Mon Dec 25, 2017 1:42 pm
Forum: Investing - Theory, News & General
Topic: Tax Reform - Revised Kiddie Tax
Replies: 41
Views: 3934

Re: Tax Reform - Revised Kiddie Tax

Thanks. Since the new law no longer uses the preferential treatment for Kiddie income, would it make sense to shift non-qualified dividends/gains to children?
by TIAX
Mon Dec 25, 2017 1:31 pm
Forum: Investing - Theory, News & General
Topic: Tax Reform - Revised Kiddie Tax
Replies: 41
Views: 3934

Re: Revised Kiddie Tax under TCJA

Previously, a child's unearned income above $2100 was taxed at the parents' marginal tax rate. I don't think this is true and never was true. Parents' marginal tax rate is NOT the same as their tax rate on unearned income which could be as low as 0%. Thanks for the correction livesoft. Perhaps you ...
by TIAX
Mon Dec 25, 2017 1:20 pm
Forum: Investing - Theory, News & General
Topic: Tax Reform - Revised Kiddie Tax
Replies: 41
Views: 3934

Tax Reform - Revised Kiddie Tax

Previously, a child's unearned income above $2100 was taxed at the parents' marginal tax rate. The TCJA revises the Kiddie Tax law such that unearned income above $2100 is now taxed at the new Trusts rates. It thus now makes sense to exceed the $2100 threshold up to whatever Trusts bracket is below ...
by TIAX
Sun Dec 24, 2017 11:46 am
Forum: Investing - Theory, News & General
Topic: Not investing through your 30's
Replies: 60
Views: 5686

Re: Not investing through your 30's

Not sure why you would want to be like the financially ignorant masses who are broke, in debt up to their ears and then find out in their 40s they dug themselves into a hole and no way out. Right. See, for example, this article re compounding. You'll need to save much much more due to the decreased...
by TIAX
Sat Dec 23, 2017 12:35 am
Forum: Personal Finance (Not Investing)
Topic: [Pass-Thru Entities Questions Thread]
Replies: 140
Views: 9253

Re: Question about pass through income in new tax law

finite_difference wrote:
Sat Dec 23, 2017 12:18 am
When does the LLC need to be setup?
Note that you don't need an LLC. A sole proprietorship will get you the deduction.
by TIAX
Fri Dec 22, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: [Pass-Thru Entities Questions Thread]
Replies: 140
Views: 9253

Re: Question about pass through income in new tax law

However, the deduction may apply to income from a specified service trade or business if the taxpayer’s taxable income does not exceed $315,000 (for married individuals filing jointly or $157,500 for other individuals).[/b] Under the conference agreement, this benefit would be phased out over the n...
by TIAX
Fri Dec 22, 2017 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Penalty Next Year?
Replies: 8
Views: 1793

Re: HSA Penalty Next Year?

You can always remove the excess can't you?
by TIAX
Fri Dec 22, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 878
Views: 48955

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

Note that the threshold for the medical deduction on Schedule A has been amended from 10% to 7.5% of AGI for 2017 and 2018. If you are close to the 7.5% threshold, it may make sense to pay any outstanding medical bills this year.
by TIAX
Fri Dec 22, 2017 2:26 am
Forum: Investing - Help with Personal Investments
Topic: HSA Penalty Next Year?
Replies: 8
Views: 1793

Re: HSA Penalty Next Year?

bjames310 wrote:
Fri Dec 22, 2017 1:33 am
But what about 2018? If I were to max out my contributions by January and leave for a new employer in February who doesn’t offer an HSA, am I penalized on that?
That wouldn't work. You would need to be an eligible individual for all of 2018. See the irs pub regarding the testing period.
by TIAX
Wed Dec 20, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Tax Bracket Borderlines
Replies: 4
Views: 650

Re: Tax Bracket Borderlines

Hi all, People they do X to avoid going into a higher tax bracket. It makes sense if you expect to be in a lower tax bracket in the future. For example, someone mentioned to me that it may be financially beneficial to take a more costly health care plan to keep the person out of a higher bracket. I...
by TIAX
Sun Dec 17, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 7442

Re: New job offer - background check

You could be right, since you used the word “may prevent” but I don’t believe that ban-the-box would stop an employer from withdrawing an offer. It does in some jurisdictions. It would be helpful if OP told us the jurisdiction. Illinois, Cook County. This appears to to be the relevant Cook County l...
by TIAX
Sun Dec 17, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 7442

Re: New job offer - background check

delamer wrote:
Sun Dec 17, 2017 12:53 pm
You could be right, since you used the word “may prevent” but I don’t believe that ban-the-box would stop an employer from withdrawing an offer.
It does in some jurisdictions. It would be helpful if OP told us the jurisdiction.
by TIAX
Sun Dec 17, 2017 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Should I call the authorities to report a potential ponzi scheme (involving Bitconnect)?
Replies: 34
Views: 3771

Re: Should I call the authorities to report a potential ponzi scheme (involving Bitconnect)?

Do I have an obligation to contact the authorities? Whether I do or not, I think I would like to do so. Would you? Is there any reason not to? Thanks for your opinions/advice. You generally have no legal obligation to report crimes. A reason not to may be the likelihood of not being invited to any ...
by TIAX
Sun Dec 17, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 7442

Re: New job offer - background check

Keep in mind that many jurisdictions in the U.S. have adopted so-called ban the box laws, which may prevent the employer from using your convictions to rescind its offer.
by TIAX
Sun Dec 17, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Financial Assistance to Adult Child (health insurance)
Replies: 107
Views: 5832

Re: Financial Assistance to Adult Child (health insurance)

it'smyjob? wrote:
Fri Dec 15, 2017 4:58 pm
Now that she is over 30, and because of rate increases, her premium has jumped from $250 -$620 per month for a high deductible plan.
The lowest cost bronze plan in NYC is $415.99, not $620.
by TIAX
Sat Dec 16, 2017 11:23 am
Forum: Investing - Help with Personal Investments
Topic: PLEASE HELP: Setting up new individual 401k
Replies: 13
Views: 634

Re: PLEASE HELP: Setting up new individual 401k

livesoft wrote:
Sat Dec 16, 2017 11:14 am
I rolled my old employer 401(k) into my solo 401(k).
Consider that solo 401(k)s are not protected by ERISA and some states don't provide complete protection from creditors and bankruptcies to them.
by TIAX
Sat Dec 16, 2017 11:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard TSM prospectus says up to 80% of the assets in the index need to be bought only
Replies: 6
Views: 850

Re: Vanguard TSM prospectus says up to 80% of the assets in the index need to be bought only

Vanguard tracks its indexes better than any other mutual fund company. In any case, to answer your question, see this SEC rule.
by TIAX
Thu Dec 14, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 155
Views: 10559

Re: How much did you contribute to your 401k in 2017?

My wife, also 47, has not had a 401(k) this year. She's been working in a contract position. We're hoping she'll be hired and be eligible after the new year, in which, we would try to max out hers as well. Why don't you set up a solo 401(k) . As long as you set up the plan in 2017 (a relatively sim...
by TIAX
Tue Dec 12, 2017 12:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard year end distributions - updated estimates
Replies: 75
Views: 10317

Re: Vanguard year end distributions - updated estimates

Why do the institutional total stock market funds have 100% QDI whereas the rest (admiral, investor, etc.) have 94%? Don't they follow the same index? They follow the same index, but they are not share classes of the same fund; each fund computes its own QDI. Dividends can become non-qualified if t...
by TIAX
Sat Dec 09, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade fund replacement
Replies: 49
Views: 5933

Re: TD Ameritrade fund replacement

airelleofmusic wrote:
Fri Dec 08, 2017 1:21 pm
Yep Exactly this is what I did (to be more precise it's 80% SPDW/20% SPEM)
Does this percentage get us the closest to VXUS?
by TIAX
Sat Dec 09, 2017 1:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard year end distributions - updated estimates
Replies: 75
Views: 10317

Re: Vanguard year end distributions - updated estimates

Why do the institutional total stock market funds have 100% QDI whereas the rest (admiral, investor, etc.) have 94%? Don't they follow the same index?
by TIAX
Tue Dec 05, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Former employer preventing rollover?
Replies: 10
Views: 1061

Re: Former employer preventing rollover?

You could also file a complaint with the EBSA (though they are quite slow, it can't hurt).
by TIAX
Tue Nov 28, 2017 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: I'm worried the Vangaurd Target Retirement 2035 (VTTHX) might be too conservative
Replies: 27
Views: 1916

Re: I'm worried the Vangaurd Target Retirement 2035 (VTTHX) might be too conservative

njfastlife wrote:
Mon Nov 27, 2017 9:47 pm
31 years of age.

i know rule of thumb is typically age in bonds, but i think this fund might be slightly too conservative.

any thoughts or advice?

thanks!
Would you be thinking the same thing if we were in the middle of a market downturn? What did you do in 2008?
by TIAX
Tue Nov 28, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Need Employment Lawyer asap - NY/NJ/PA
Replies: 6
Views: 736

Re: Need Employment Lawyer asap - NY/NJ/PA

msj16 wrote:
Tue Nov 28, 2017 10:40 am
He lives in NJ.
Is the employer in NJ also? Does he work from NJ?
by TIAX
Tue Nov 28, 2017 1:43 am
Forum: Personal Finance (Not Investing)
Topic: Dental bill four years after service
Replies: 32
Views: 3758

Re: Dental bill four years after service

In the medical (or dental) world, there is no statute of limitations (from what I've read in these forums) Incorrect, every state has a statute of limitations. The relevant one is likely for breach of contract. Check the statute and consider whether this will get to court by then. Don't make any pa...
by TIAX
Fri Nov 24, 2017 7:05 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Screwed Up My Cost Basis - FIFO Instead of Spec ID
Replies: 12
Views: 1589

Re: Vanguard Screwed Up My Cost Basis - FIFO Instead of Spec ID

Unfortunately, Vanguard is terrible with cost basis. See this post.
by TIAX
Wed Nov 22, 2017 12:31 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 517
Views: 52563

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

So what's the deal with (variously) the extension to Jan. 19, the elimination of the short-term trading fee, and the $4.95 commission schedule? Is there any definitive answer on whether retail taxable accounts get these or not? The deal is that TDA does not communicate effectively. For my retail ta...
by TIAX
Sat Nov 18, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Non-compete clause for employment
Replies: 3
Views: 586

Re: Non-compete clause for employment

Since there's a risk of losing your offer with A, stick with A.
by TIAX
Fri Nov 17, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 76
Views: 6169

Re: My dad's army jacket

mxs wrote:
Fri Nov 17, 2017 9:25 am
You may be doing something illegal if you were to wear the uniform in public. I am not an expert on this, but it doesn't feel right to me. I would not do it.
This isn't illegal. It's your jacket, wear it if you like.