Search found 129 matches

by fund
Fri May 15, 2020 2:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8635

Re: Vanguard Mutual Fund Platform EOL

I'm pretty sure you can still set up limited agent authorization for non-trust accounts online. I recall doing that multiple times within the last year. As I recall, you need a paper form to set up agent authorization on a trust account, and perhaps also for full agent authorization; at least that'...
by fund
Fri May 15, 2020 2:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8635

Re: Vanguard Mutual Fund Platform EOL

I'm going to expose my ignorance on this topic. My DW and I are still on the OG platform. In it, we have: A joint taxable brokerage (all ETF's) A brokerage account is the new platform that Vanguard wants everyone to transition to. You're already on it (at least for this account). What you call "OG ...
by fund
Sun Mar 01, 2020 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else having trouble filing with TurboTax today?
Replies: 3
Views: 350

Re: Anyone else having trouble filing with TurboTax today?

Could you give them a copy of your return just in case? Try e-filing tomorrow and/or Tuesday. See if the situation is resolved. If the e-filing goes through, great. They can then shred the paper copy. But if the problem persists and the e-filing continues to fail, they can then mail the paper copy. ...
by fund
Sun Feb 16, 2020 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: SALT deduction limit & tax benefit rule
Replies: 5
Views: 1166

Re: SALT deduction limit & tax benefit rule

Thanks again, kaneohe. And thank you, basspond.

Yes: I found an option to add in the amount on the state return without having to also add it into the fed return.

Took me a while to figure out the SWAN acronym despite reading BH almost daily!
by fund
Sun Feb 16, 2020 1:23 am
Forum: Personal Finance (Not Investing)
Topic: SALT deduction limit & tax benefit rule
Replies: 5
Views: 1166

Re: SALT deduction limit & tax benefit rule

Thank you, kaneohe! Very helpful thread you pointed me to. Appreciate it! Yes, confirmed: the refunded amount does not need to be added back to our federal taxes. However, some more digging seems to indicate it is taxable at the state level. I'll see if Turbo Tax allows me to bifurcate the entries (...
by fund
Sat Feb 15, 2020 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: SALT deduction limit & tax benefit rule
Replies: 5
Views: 1166

SALT deduction limit & tax benefit rule

Hi everyone, I'm working on our taxes and have a question. We moved last year and received a 1099-S (proceeds from real estate transaction). In box 6 (buyer's part of real estate tax), there is an amount included ($X). The instructions for box 6 say, in relevant part, "If you have already deducted t...
by fund
Thu Jun 20, 2019 7:25 pm
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 91
Views: 7450

Re: Single cup coffee/espresso options, 2019

Yet another vote for Aeropress. Been using one for years - love it.

To more closely approximate espresso, just decrease slightly the amount of water you use.
by fund
Tue Jun 11, 2019 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Is it Wise to Remove Escrow if Bank Allows it?
Replies: 87
Views: 6444

Re: Is it Wise to Remove Escrow if Bank Allows it?

two bi-annual property tax bills Pet peeve of mine... Unless you're paying property taxes once every 2 years, you should be saying semi-annual. I know that common usage in American English has created a second meaning for "bi-annual", "bi-monthly", etc., but it is really an incorrect usage that cau...
by fund
Thu May 23, 2019 1:01 pm
Forum: Personal Consumer Issues
Topic: Windows for Noise Reduction
Replies: 36
Views: 2806

Re: Windows for Noise Reduction

I learned recently about this: https://citiquiet.com/ They have offices in different locations around the United States, so perhaps one of those offices is close to you. The person who told me about these windows said they really work. I have no experience with them whatsoever. Just want to share an...
by fund
Thu Apr 18, 2019 5:31 pm
Forum: Personal Consumer Issues
Topic: Trip to Central Asia. Do you need a CC?
Replies: 44
Views: 3652

Re: Trip to Central Asia. Do you need a CC?

It's been 20 years since I've been there, so my experience is outdated by the looks of earlier posts, but there were no ATMs when I was there, and no one accepted credit cards - cash was it, and it was bricks of cash. Literally bricks. The black market was definitely a thing, and of course it paid a...
by fund
Sat Feb 09, 2019 8:58 pm
Forum: Personal Investments
Topic: turbotax backdoor roth question re: qualified disaster distribution
Replies: 4
Views: 349

Re: turbotax backdoor roth question re: qualified disaster distribution

Thanks, retiredjg! Makes sense. There's comfort in knowing others have experienced the same.

Thanks again!
by fund
Sat Feb 09, 2019 5:48 pm
Forum: Personal Investments
Topic: turbotax backdoor roth question re: qualified disaster distribution
Replies: 4
Views: 349

Re: turbotax backdoor roth question re: qualified disaster distribution

Thanks, Duckie, appreciate the help! Yes, that's what we did, and doing that does bring us to the next screen asking if we made nondeductible contributions to our IRAs, just as is shown in TFBs guide. And going to the tools/preview option in TurboTax does show that it is reporting the backdoor Roth ...
by fund
Sat Feb 09, 2019 4:34 pm
Forum: Personal Investments
Topic: turbotax backdoor roth question re: qualified disaster distribution
Replies: 4
Views: 349

turbotax backdoor roth question re: qualified disaster distribution

Hi everyone, I'm working through our taxes on TurboTax regarding correctly reporting a backdoor Roth. I always review TFB's guide before diving in (https://thefinancebuff.com/how-to-report-backdoor-roth-in-turbotax.html). In the step-by-step instructions he displays a screen shot that asks if he too...
by fund
Tue Mar 13, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: Need Advice - Electric Hot Water Heater
Replies: 28
Views: 2885

Re: Need Advice - Electric Hot Water Heater

You can get a mixing valve installed on the water heater itself which will allow you to use a smaller water heater. With the mixing valve installed, you turn up the heating elements to max temperature. The mixing valve is adjustable. It operates by mixing the max heated hot water in the tank with co...
by fund
Sun Feb 18, 2018 4:02 pm
Forum: Investing - Theory, News & General
Topic: Chillin' in the BH Lounge
Replies: 46
Views: 6777

Re: Chillin' in the BH Lounge

If Taylor is in, it must be repeated, this thread is not likely deleted. Bogleheads is sometimes so darn serious, but I am smiling reading nisiprius. I've learned something here about balance and money, it's important to save but to also enjoy the ride, honey. [None of my rhyming is very witty, but ...
by fund
Thu Feb 15, 2018 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: I think I filed my back door roth incorrectly in Turbo tax
Replies: 8
Views: 852

Re: I think I filed my back door roth incorrectly in Turbo tax

I noticed that even after you get the federal entered correctly, you then need to go to state and tell TurboTax the basis again Sincerest apologies. Is this accurate? I've handled the backdoor roth in TT for the past few years. I initially ran into some difficulty my first time through, but eventua...
by fund
Wed Apr 19, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: Selling classic car via consignment
Replies: 10
Views: 1466

Re: Selling classic car via consignment

Have a look at bringatrailer.com. I've neither bought nor sold via their service, but I do enjoy looking at their offerings. They've evolved into a lot more of an auction style format from their more humble beginnings. They conduct auctions of cars, so it's similar to eBay in that sense, but there's...
by fund
Mon Mar 27, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Girlfriend
Replies: 86
Views: 11860

Re: Massive Student Loan Debt - Girlfriend

I've found this thread intensely fascinating. Count me in the camp of those who have argued that a person's personality and character are much more important - and yes, much more valuable - than the dollar value of student loan debt. If she's "wonderful" as you say, then I'm mystified about what the...
by fund
Sat Mar 25, 2017 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America bogus late payment fee.[temporary software glitch, gone now]
Replies: 52
Views: 16159

Re: Bank of America bogus late payment fee.

Simply don't cut it too close. This type of automatic payment is supposed to have a guaranteed crediting date. This totally takes the whole timing issue out of the picture. There's no such thing as cutting it close in this kind of setup. Assuming the money is in the bank that I have permitted them ...
by fund
Thu Feb 16, 2017 9:43 pm
Forum: Personal Investments
Topic: Help with ROTH conversion
Replies: 5
Views: 554

Re: Help with ROTH conversion

Also, you can preview your 1040 and see what's on lines 15a and 15b.
by fund
Thu Feb 16, 2017 9:42 pm
Forum: Personal Investments
Topic: Help with ROTH conversion
Replies: 5
Views: 554

Re: Help with ROTH conversion

I had this issue a couple of years ago - assistance from folks on this board helped me to figure out where I went wrong and I eventually got TT to treat everything correctly. I'm in a rocking chair at the moment on my iPhone trying to get our little one to go to sleep, so I'm not much help beyond as...
by fund
Sat Feb 11, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Do I really need Turbotax premier?
Replies: 49
Views: 24767

Re: Do I really need Turbotax premier?

Thanks, Choy. I didn't realize to click there. I saw the little green dots signifying the features. That must be why they phrase it as "additional help": Additional Help for investment sales such as stocks, bonds, royalties, mutual funds and employee stock plans. I read it entirely differently! As i...
by fund
Sat Feb 11, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Do I really need Turbotax premier?
Replies: 49
Views: 24767

Re: Do I really need Turbotax premier?

Maybe I'm mistaken about the download/CD version?

I apologize if so.
by fund
Sat Feb 11, 2017 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do I really need Turbotax premier?
Replies: 49
Views: 24767

Re: Do I really need Turbotax premier?

No matter whether it's the online or the download/CD version of TurboTax, if you sold stock, it appears you do need the Premier version. See here for the comparisons: https://turbotax.intuit.com/personal-taxes/compare/online/ https://turbotax.intuit.com/personal-taxes/compare/desktop/ I can't speak ...
by fund
Thu Jan 26, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: 75 gallon hot water heaters
Replies: 40
Views: 11337

Re: 75 gallon hot water heaters

Another option you could look into is to have a mixing valve installed. Or if it can't be retroactively installed, to purchase a water heater that features a mixing valve. A plumber told us that this is an effective way to have a 50 gallon tank produce the equivalent hot water volume of a larger cap...
by fund
Thu Jan 12, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Maintenance
Replies: 12
Views: 2184

Re: Dishwasher Maintenance

abuss368 wrote:
BrandonBogle wrote:
abuss368 wrote:I am curious how many people run baking soda and vinegar in their dishwasher to keep it clean.
I never have, but I'm now thinking maybe I should?
Indeed. Now I want to find my instruction book!
Hah! I literally just had the exact same thought! :sharebeer
by fund
Mon Jan 09, 2017 8:54 pm
Forum: US Chapters
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 27066

Re: Sad News About a Respected Forum Member

I am very saddened to hear this. Wishing the greatest comfort to you and your family. Thank you for your selfless contributions and assistance to others.
by fund
Mon Jan 02, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Dividend Distribution
Replies: 28
Views: 9134

Re: USAA Dividend Distribution

Ours was also a quite a bit lower compared to past years.
by fund
Wed Nov 30, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 10685

Re: Should I buy a new car for safety's sake?

Really interesting thread, and a topic I often think about. I agree with several posters that the driver is the single most important safety "feature". If you're an aware and attentive driver, you're going to be a safer driver. And you'll avoid many accidents. Until you don't. No matter how good and...
by fund
Fri Sep 23, 2016 4:16 pm
Forum: Personal Consumer Issues
Topic: Aeropress: cappuccino?
Replies: 11
Views: 3545

Re: Aeropress: cappuccino?

I'm also curious to hear what others may have to say. I use an Aeropress every morning. I drink my coffee black and without any sugar, but my wife loves cappuccinos and lattes, so this would be good to learn so I could make one for her. The only "trick" I can offer regarding the making of the actual...
by fund
Wed Aug 10, 2016 3:19 pm
Forum: Personal Consumer Issues
Topic: Should I get a different cassette for my road bicycle? Currently 11-23
Replies: 40
Views: 3236

Re: Should I get a different cassette for my road bicycle? Currently 11-23

Edited: I scanned the thread pretty quickly and obviously missed jhfenton's post regarding using an 11sp sprocket on a 10sp cassette. I'm sorry for that. I looked again just now for that post but I'm clearly still missing where that is (or maybe I'm just not following what was explained). In any eve...
by fund
Wed Aug 10, 2016 2:57 pm
Forum: Personal Consumer Issues
Topic: Should I get a different cassette for my road bicycle? Currently 11-23
Replies: 40
Views: 3236

Re: Should I get a different cassette for my road bicycle? Currently 11-23

that's why i said replace the 11 and the 12. with this: http://www.ebay.com/itm/381725020052 Sorry if I missed that. Only thing is, isn't OP's cassette a 10sp? The ebay product is for 11sp. My cycling days are long behind me, but will an 11sp locking ring work properly on a 10sp cassette? I honestl...
by fund
Wed Aug 10, 2016 2:18 pm
Forum: Personal Consumer Issues
Topic: Should I get a different cassette for my road bicycle? Currently 11-23
Replies: 40
Views: 3236

Re: Should I get a different cassette for my road bicycle? Currently 11-23

Couple of further thoughts: in addition to what Epsilon Delta pointed out, the final sprocket on a cassette is the locking sprocket. So replacing an 11 with a 12 will (could) work if you get a 12 locking (or final) sprocket. The 12 that sits behind the 11 that originally came with the cassette will ...
by fund
Mon Aug 01, 2016 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 26050

Re: SSA MANDATORY cell phone based multifactor authentication

I only suggested SSA use their established verification method for their extra security, not that they use your cell provider to do that for them. There is no reason to trust your cell phone provider for that. Presently to log in to your SSA account you provide any cell number of your choosing. Thi...
by fund
Mon Aug 01, 2016 8:55 am
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 26050

Re: SSA MANDATORY cell phone based multifactor authentication

I was thinking just now of some friends of mine who are still after many years on family plans of their parents'. But the same problem could arise between partners/spouses. One person is the account holder and the other is on the family plan. That second person would or could be impacted or affected...
by fund
Mon Aug 01, 2016 8:48 am
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 26050

Re: SSA MANDATORY cell phone based multifactor authentication

Being a Verizon customer, I now understand why I'm not getting the SAA text message. As someone else pointed out, only the government would not think of testing with the largest cell service provider. But, I'm confused about another aspect of this new 2FA. It's supposed to provide one more layer of...
by fund
Sat Jul 30, 2016 10:07 pm
Forum: Personal Consumer Issues
Topic: Fiat 124 - good/bad/indifferent ??
Replies: 12
Views: 1778

Re: Fiat 124 - good/bad/indifferent ??

^^ Agree with what Jack said.
by fund
Sat Jul 30, 2016 9:13 pm
Forum: Personal Consumer Issues
Topic: anyone own a stingray corvette? how do you like it?
Replies: 51
Views: 6708

Re: anyone own a stingray corvette? how do you like it?

Don't own one, but have followed it on Car & Driver. I believe they had or have one on long term test. Performance is incredible, even in the base form. The Z06 package turns up the wick even more. Reliability, however, isn't perhaps quite where it should be. IIRC, C&D had a problem with the engine ...
by fund
Sat Jul 30, 2016 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 26050

Re: SSA MANDATORY cell phone based multifactor authentication

I tried logging into my account a short while ago. As others have reported, the website asks for a cell phone number to which a one-time security code is sent. The text message came in nearly instantaneously. (My wife, however, wasn't nearly as fortunate: as with others, the text message never arriv...
by fund
Sat Jul 30, 2016 11:23 am
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 26050

Re: SSA MANDATORY cell phone based multifactor authentication

SSA uses Equifax according to a link off the How We Verify and Protect Your Identity page. Identity Services Provider The U.S. Social Security Administration uses an external data source, or what we refer to as an “Identity Services Provider,” to help us verify the identity of our online customers ...
by fund
Sat Jul 30, 2016 10:28 am
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 26050

Re: SSA MANDATORY cell phone based multifactor authentication

HueyLD wrote:That's what I was told by an SSA employee over the phone.
Thank you again - really appreciate the help.
by fund
Sat Jul 30, 2016 10:22 am
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 26050

Re: SSA MANDATORY cell phone based multifactor authentication

Yes, you do need to unfreeze credit in order for the SSA website to access your credit file. Alternatively, you can go to a SSA office and do that in person. Thank you. Follow-up question: How does going in person remove the need to unfreeze the accounts? I'm guessing because one could prove one's ...
by fund
Sat Jul 30, 2016 9:59 am
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 26050

Re: SSA MANDATORY cell phone based multifactor authentication

Apologies for my confusion: things weren't entirely clear to me up-thread. My wife and I each have "my SSA" accounts, and, in fact, just recently updated our passwords within the past few days. Neither of us received the security email referenced by some other posters, nor had I seen this thread pri...
by fund
Tue Mar 15, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: Duct cleaning
Replies: 41
Views: 5694

Re: Duct cleaning

I have never had the ducts in my homes cleaned. I do change the filters every 30 days. :happy I don't understand where the ducts would need cleaning. The intake filter traps gets dirty and needs to be changed regularly, but otherwise, air just flows through the ducts. My filters don't get that dirt...
by fund
Thu Mar 10, 2016 2:44 pm
Forum: Investing - Theory, News & General
Topic: Michael Kitces said in 2016 that IRS auditors disapproved of backdoor Roth IRAs
Replies: 249
Views: 48161

Re: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's

My feeling is that Roth conversions are explicitly permitted and therefore lawful. I don't think the ability to do a Roth Conversion for those who can't contribute directly has ever really been in doubt after the 2010 income limit elimination. Where there is some doubt is the practice of making the...
by fund
Thu Mar 10, 2016 2:28 pm
Forum: Investing - Theory, News & General
Topic: Michael Kitces said in 2016 that IRS auditors disapproved of backdoor Roth IRAs
Replies: 249
Views: 48161

Re: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's

Form 5329 is considered an independent tax return. Since excess contributions have no statute of limitations, some tax attorneys have recommended filing a 5329 every year to start a 3 year statute running. This might be interesting for those with "back door" paranoia. However, there are some techni...
by fund
Thu Mar 10, 2016 11:53 am
Forum: Investing - Theory, News & General
Topic: Michael Kitces said in 2016 that IRS auditors disapproved of backdoor Roth IRAs
Replies: 249
Views: 48161

Re: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's

The statute of limitations for the IRS to object is 3yrs, unless it's fraud. The statute of limitations remains open if a tax return is not filed. Why in this context would we assume somebody didn't file a tax return? They file a tax return, but do not file form 5329. The statute remains open with ...
by fund
Wed Mar 09, 2016 6:52 pm
Forum: Investing - Theory, News & General
Topic: Michael Kitces said in 2016 that IRS auditors disapproved of backdoor Roth IRAs
Replies: 249
Views: 48161

Re: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's

For a government $19 trillion in debt, we seem very confident that the IRS will never change its mind about going after this. In 30 years, there is going to be hundreds of millions, if not billions of dollars in questionable ROTH earnings. What do you think the cost of IRS audits will be in 30 year...
by fund
Wed Mar 09, 2016 7:10 am
Forum: Investing - Theory, News & General
Topic: Michael Kitces said in 2016 that IRS auditors disapproved of backdoor Roth IRAs
Replies: 249
Views: 48161

Re: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's

I've been following this thread very closely, and have a question. If someone does as an earlier poster suggested and contributes to their tIRA and invests in, say, the S&P 500 mutual fund (rather than the typically recommended MM fund) prior to conversion to Roth (and both the contribution and conv...
by fund
Fri Feb 05, 2016 11:58 am
Forum: Personal Finance (Not Investing)
Topic: 1099-R, 5498, 8606 and BD Roth Timing
Replies: 4
Views: 610

Re: 1099-R, 5498, 8606 and RD Roth Timing

1) Yes, you are correct, but rather than "this year" or "next year" refer to the actual year as it eliminates confusion. The Roth conversions will be reported on your 2016 joint return, on a separate Form 8606 for each spouse. That same form will show the 6500 2016 TIRA non deductible contribution....