Search found 918 matches

by TIAX
Sat Feb 17, 2018 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard 1099-R issue [How to file taxes with IRA contribution?]
Replies: 4
Views: 559

Re: Vanguard 1099-R issue

Hello, I am new to the forum but use the site frequently for investing advice and information. I appreciate all those who contribute to make this great resource available. I checked my 2017 1099-R form from Vanguard and the total listed in box 1 and 2 is 11,000. I contributed to my traditional IRA ...
by TIAX
Sat Feb 17, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: HSA 'last month rule'
Replies: 6
Views: 1283

Re: HSA 'last month rule'

Spirit Rider wrote:
Sat Feb 17, 2018 3:01 pm
You are correct on both counts.
Thanks Spirit Rider!
by TIAX
Sat Feb 17, 2018 9:25 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 549
Views: 57473

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

4. The market makers are not always awake. Can you explain. I routinely have limit orders in these SPDR ETFs go unfilled even though I see hundreds and thousands of shares traded at exactly my limit price. It is rather annoying. That was very rarely the case with Vanguard ETFs. I see and why is thi...
by TIAX
Fri Feb 16, 2018 10:53 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 549
Views: 57473

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

livesoft wrote:
Fri Feb 16, 2018 9:57 am
4. The market makers are not always awake.
Can you explain.
by TIAX
Fri Feb 16, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: HSA 'last month rule'
Replies: 6
Views: 1283

Re: HSA 'last month rule'

Does the last month rule also apply to the transition from single to family HDHP coverage? That is, if one has single HDHP coverage until, for example, May 15, 2018 and family HDHP from May 16, 2018 on, they would ordinary only be allowed to contribute 5/12*($3450)+7/12($6900)=$5462.50. However, und...
by TIAX
Wed Feb 14, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Vanguard Golf Balls
Replies: 11
Views: 1177

Re: Vanguard Golf Balls

Peculiar_Investor wrote:
Wed Feb 14, 2018 2:00 pm
Alexa9 wrote:
Wed Feb 14, 2018 12:17 pm
We promise you par returns: nothing more or less.
Wouldn't that be slightly before par returns due to extremely low MER. :wink:
Actually slightly above par due to securities lending.
by TIAX
Tue Feb 13, 2018 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Are these fees for real?
Replies: 25
Views: 2198

Re: Are these fees for real?

Tell us a bit more about the TransAmerica account. What type of account is that? Are there any fees besides the expense ratio?

In any case, I would move everything out even if there is a 5% deferred load and account closing fee.
by TIAX
Sat Feb 10, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Unwise for High-Earner to Contribute to Traditional IRA?
Replies: 20
Views: 1609

Re: Unwise for High-Earner to Contribute to Traditional IRA?

Random Poster wrote:
Sat Feb 10, 2018 3:21 pm
I earn too much to contribute directly to a Roth IRA, don't want to do a backdoor Roth IRA,
That makes no sense. Backdoor Roths are now mainstream . See, for example, this article by Vanguard.
by TIAX
Sat Feb 10, 2018 1:26 pm
Forum: Investing - Theory, News & General
Topic: Contributing all Bonus to 401K during this market free fall ?
Replies: 14
Views: 1074

Re: Contributing all Bonus to 401K during this market free fall ?

Planning to transfer all on my bonus 10K to 401K contribution. But from past few weeks watching the US stock market with the free fall. Is it good or bad to contribute all of my bonus to 401K at this time ? If you really believe we're in a market "free fall," shouldn't you sell out of stocks and in...
by TIAX
Sat Feb 10, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 223
Views: 13781

Re: free dinner investing seminar

I was talking to CapitalOne about something or other to do with my credit card, and the phone person mentioned she worked in the Heavy Spender group. They seriously call it that. I asked why, and she said, do you know most people don't charge nearly as much as you do? I had no idea. I probably char...
by TIAX
Thu Feb 08, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 223
Views: 13781

Re: free dinner investing seminar

If you want some idea of what to expect then check out this link... http://www.wealthmanagement.com/forums/prospecting-marketing-and-selling/successful-seminars This is a link to the forum for Registered Reps. Basically the Boglehead's nemesis. As you will see, if you attend and don't buy then you ...
by TIAX
Thu Feb 08, 2018 10:57 am
Forum: Investing - Theory, News & General
Topic: How to short TSLA?
Replies: 50
Views: 2636

Re: How to short TSLA?

DanMahowny wrote:
Thu Feb 08, 2018 10:19 am
Shorting TSLA is an excellent idea. People will eventually realize that Musk is a snake oil salesman.

The mechanics of shorting a stock are pretty simple. I did it for the first time without any assistance.
Describe in detail what you shorted, when, how much, and how well you did.
by TIAX
Wed Feb 07, 2018 11:38 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 549
Views: 57473

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

Since you have such a great relationship with SSGA, perhaps you can mention this issue as well :happy. On a related note, it's pretty annoying that SPTM is still not at a 1 cent spread. Anybody can send them feedback. There is a place to click right there on their web site. You could be their best ...
by TIAX
Wed Feb 07, 2018 10:49 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 549
Views: 57473

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

Is this SSGAs fault? I don't know, but SSGA should want to make sure that information about their ETFs is accurately disseminated in a timely fashion. The other day I sent them an e-mail about their web site and they changed their web site the next day to make things more obvious, so they are respo...
by TIAX
Wed Feb 07, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 549
Views: 57473

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

Nevertheless, information flow on these ETFs is fraught with sketchiness. I purchased shares of SPTM yesterday (up 2% thank you), but I was so weirded out by what I was seeing that I took 5 screen captures of the data being presented because it didn't make any sense to me. I think between about 10:...
by TIAX
Tue Feb 06, 2018 12:53 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 549
Views: 57473

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

Apologies, but this thread has gotten a little hard to follow. Could anyone recommend any stocks/ETFs worth purchasing from TDAmeritrade by selling off shares of the vanguard bond fund I own viz. BND? Since it's past the deadline to trade BND commission-free, there's no reason to sell it but you ca...
by TIAX
Mon Feb 05, 2018 12:19 am
Forum: Investing - Help with Personal Investments
Topic: HSA: Married mid-year, which HSA can we deposit to? (Update: Turbotax disagrees)
Replies: 16
Views: 1393

Re: HSA: Married mid-year, which HSA can we deposit to?

You can bypass this by declaring the last month rule, but you also take on an obligation, which is not worth it in my opinion, but it's up to you. How is it not worth it? As I recall, you can undo an HSA contribution until October 15 of the following year and by then you should know whether you're ...
by TIAX
Sun Feb 04, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: HSA: Married mid-year, which HSA can we deposit to? (Update: Turbotax disagrees)
Replies: 16
Views: 1393

Re: HSA: Married mid-year, which HSA can we deposit to?

You can bypass this by declaring the last month rule, but you also take on an obligation, which is not worth it in my opinion, but it's up to you. How is it not worth it? As I recall, you can undo an HSA contribution until October 15 of the following year and by then you should know whether you're ...
by TIAX
Sun Feb 04, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: [New MA & VT Tax reporting]- 1099-K threshold reduced to $600
Replies: 99
Views: 5200

Re: New to me tax issue - Paypal 1099-k for selling personal property

But eBay sent in a 1099, so do I now have to file a full blown Schedule C? For whats basically an online garage sale? I'd say the easiest thing to do is file schedule C since if you ignore it you'll just receive a CP2000 letter in a year. I guess this is just another reason to move to a low income ...
by TIAX
Thu Feb 01, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: 401k millionaires
Replies: 158
Views: 23628

Re: 401k millionaires

I wonder what percentage of people with access to a 401k are maxing it out though? It's got to be low single digits. According to to Vanguard , in 401(k)s administered by it: Maximum contributors During 2016, only 10% of participants saved the statutory maximum dollar amount of $18,000 ($24,000 for...
by TIAX
Wed Jan 31, 2018 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Ameriprise :(
Replies: 37
Views: 4545

Re: Ameriprise :(

Will OP be able to transfer all the junk he or she owns to Vanguard (like VUL and non-listed REITs)?
by TIAX
Wed Jan 31, 2018 9:05 am
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 286
Views: 19326

Re: I bought a stock today - Redfin (RDFN)

One question I would have for the OP is how much of his portfolio would he be willing to have in individual stocks. For example, if he finds another company he likes, would he invest another 20% for a total of 40%? I would second the IPS.
by TIAX
Wed Jan 31, 2018 12:46 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone negotiated a medical bill to see a specialist?
Replies: 19
Views: 1517

Re: Has anyone negotiated a medical bill to see a specialist?

I have a rare chronic medical problem for which I plan on seeing a specialist to discuss treatment options. I have a PPO plan with $1,500 deductible. I've never hit my deductible before because, outside of this condition, I am perfectly healthy, and living with this chronic condition does not requi...
by TIAX
Tue Jan 30, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Change in "career", PA or Optometry?
Replies: 79
Views: 6235

Re: Change in "career", PA or Optometry?

That is, the four year education requirement is nothing more than protectionism in the industry. Same as physical therapists, pharmacists, and the like. So, good 'ol common sense oughta do it? Right, the only two options with regard to certain job training are four years of education or nothing :oo...
by TIAX
Mon Jan 29, 2018 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Change in "career", PA or Optometry?
Replies: 79
Views: 6235

Re: Change in "career", PA or Optometry?

It's doubtful that optometrists actually need 4 years of schooling so I'd say there's some risk of deregulation and an increase in competition. I would do PA. Why? What's your reason for saying this? Does it look clearer now? (click, fiddling with machine) Or now? Is that really four years on top o...
by TIAX
Sun Jan 28, 2018 11:34 pm
Forum: Investing - Theory, News & General
Topic: 401k millionaires
Replies: 158
Views: 23628

Re: 401k millionaires

I wonder what percentage of people with access to a 401k are maxing it out though? It's got to be low single digits. According to to Vanguard , in 401(k)s administered by it: Maximum contributors During 2016, only 10% of participants saved the statutory maximum dollar amount of $18,000 ($24,000 for...
by TIAX
Sun Jan 28, 2018 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Change in "career", PA or Optometry?
Replies: 79
Views: 6235

Re: Change in "career", PA or Optometry?

It's doubtful that optometrists actually need 4 years of schooling so I'd say there's some risk of deregulation and an increase in competition. I would do PA.
by TIAX
Sun Jan 28, 2018 11:26 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Wall Street to Vanguard: We’re Not Your Doormat [Fidelity charging some plans to hold Vanguard funds]
Replies: 63
Views: 10451

Re: Wall Street to Vanguard: We’re Not Your Doormat

Interesting that so many of Vanguard's competitors took actions against it at one time. I hope they didn't discuss it beforehand.
by TIAX
Sat Jan 27, 2018 2:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard year end distributions - updated estimates
Replies: 77
Views: 10799

Re: Vanguard year end distributions - updated estimates

I see that in the final QDI figures, the Total Stock Market Index included 94.78% QDI. It seems to me that since the statute uses the language "95 percent" without a decimal point or trailing zeros, 94.78% could appropriately be rounded to 95%.
by TIAX
Wed Jan 10, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Diminished value claim - small claims court
Replies: 23
Views: 1310

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: 616

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: 4302

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: 1546

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: 1035

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: 1035

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: 1546

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: 133
Views: 13034

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: 319

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: 2712

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: 2712

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: 2712

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: 2712

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: 171
Views: 21128

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: 313

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: 498

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: 886
Views: 51030

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: 498

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: 886
Views: 51030

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: 4209

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: 3571

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...