Search found 92 matches

by Steven28
Mon Mar 02, 2020 1:34 pm
Forum: Personal Consumer Issues
Topic: Question on New Fence Etiquette
Replies: 29
Views: 2835

Re: Question on New Fence Etiquette

I would also add that you should ensure your fencepost holes are entirely on your side of the property. the concrete, if you are cementing them in, should entirely be on your side. Most people would not care however you do not know your current nor future neighbors. Some would say leave a few feet o...
by Steven28
Fri Feb 21, 2020 10:34 am
Forum: Investing - Theory, News & General
Topic: Morningstar Lifetime Allocation Indexes
Replies: 7
Views: 1341

Re: Morningstar Lifetime Allocation Indexes

The June 2019 indexes are available via a link within this article, which I currently receive via a free Morningstar account. You might need to log in to a free account to see this recent article, the title of which is: How to Identify the Best Investments for Your IRA Hope this helps https://www.mo...
by Steven28
Wed Dec 12, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: conversion of 'rolled over' 403b and 401a to roth IRA
Replies: 4
Views: 332

Re: conversion of 'rolled over' 403b and 401a to roth IRA

ok thanks. This is helpful, I guess I will need to study the worksheet and instructions further

Steve
by Steven28
Tue Dec 11, 2018 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: conversion of 'rolled over' 403b and 401a to roth IRA
Replies: 4
Views: 332

Re: conversion of 'rolled over' 403b and 401a to roth IRA

Alan S
Thanks for pointing out the worksheet. Can you advise on whether any of the money converted to Roth IRS is taxable by NJ, assuming all of it was originally in a 403 b plan , whose contributions were not state tax deductible (unlike the Federal deduction)

Steven
by Steven28
Tue Dec 11, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: conversion of 'rolled over' 403b and 401a to roth IRA
Replies: 4
Views: 332

conversion of 'rolled over' 403b and 401a to roth IRA

I am struggling to find the answers to a few simple questions before I take action. My wife and I are retired and this is the first year it makes sense to convert some of either 401k or IRA accounts to Roth IRA. My wife is 62 and I am 64. We live in NJ. To keep our NJ state income tax low as possibl...
by Steven28
Tue Dec 11, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 302
Views: 43319

Re: TurboTax Prices

Check out google express. They recently had a 20% discount on an already good price for Turbotax. I got my Quicken Deluxe at the same time
by Steven28
Wed Oct 24, 2018 1:49 pm
Forum: US Chapters
Topic: 2019 BOGLEHEADS CONFERENCE DATES
Replies: 35
Views: 11723

Re: 2019 BOGLEHEADS CONFERENCE DATES

Perhaps a hybrid approach. Larger meeting room for the general audience or all attendees. Smaller room for the first 200 for side discussions.
by Steven28
Wed Sep 07, 2016 10:26 am
Forum: Investing - Theory, News & General
Topic: Automatic Vanguard brokerage account upgrades
Replies: 40
Views: 5474

Re: Automatic Vanguard brokerage account upgrades

Does anyone have a method as to how to change the linked tax free money market account that I currently have to the new Federal MM settlement account within Quicken?
by Steven28
Tue Feb 23, 2016 11:04 am
Forum: Personal Finance (Not Investing)
Topic: fsa rules when company is acquired
Replies: 6
Views: 1106

Re: fsa rules when company is acquired

Millenium thanks for the response. I do see in your note that if a person works for multiple unrelated employers then the person can have more than one plan contributing the maximum to each. This would be my wife's case and therefore it seems like she is free to contribute the full $2550 for the new...
by Steven28
Fri Feb 19, 2016 8:05 am
Forum: Personal Finance (Not Investing)
Topic: fsa rules when company is acquired
Replies: 6
Views: 1106

Re: fsa rules when company is acquired

Millenium The plan that my wife will join at the new company will end Dec 31, 2016. Further reading suggests that she should be able to contribute the full amount, $2550 for this plan, since IRS says if the new company is not related to the old one, you can contribute the total allowed amount. When ...
by Steven28
Thu Feb 18, 2016 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: fsa rules when company is acquired
Replies: 6
Views: 1106

Re: fsa rules when company is acquired

Watty -
thanks for your comments. Yours is a good example of the 'overage' truly being 'free money'. So perhaps that is the same way my wife's money will be handled. We don't take health insurance through her company so we don't have the issues you experienced.

Steven
by Steven28
Thu Feb 18, 2016 10:45 am
Forum: Personal Finance (Not Investing)
Topic: fsa rules when company is acquired
Replies: 6
Views: 1106

fsa rules when company is acquired

My wife's division is being acquired and her participation in her current fsa plan will end March 3,1 with the new plan beginning April 1. Information from both companies is hard to come by at this time. Any fsa balances left in the old company's fsa plan will be forfeited and are not being transfer...
by Steven28
Tue Jan 05, 2016 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 327
Views: 59031

Re: Vanguard TurboTax - Not Available 2015?

At costco, Turbotax deluxe is $39.85 and Premier is $54.85. Both include state returns and efile.

http://www.costco.com/CatalogSearch?sto ... d=turbotax

get a price match at staples or elsewhere
by Steven28
Mon Jan 04, 2016 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: software for medical expense tracking
Replies: 4
Views: 3059

Re: software for medical expense tracking

I have not been able to get Quicken Medical Expense to run on Win 10 - and I tried a few things. it just will not install because of its requirement for frame net 1.1. Even after installing that framenet, the program will not install. I am evaluating the family health care manager -thanks for the le...
by Steven28
Mon Jan 04, 2016 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 327
Views: 59031

Re: Vanguard TurboTax - Not Available 2015?

For Costco members the current sale on Turbotax is hard to beat. Even if you are not a member, just print out the website info for Turbotax and go to Staples. They price match Costco.
by Steven28
Sun Dec 27, 2015 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: software for medical expense tracking
Replies: 4
Views: 3059

Re: software for medical expense tracking

Yes I can get the information from the insurance company website, but I want to track my payments, reimbursements etc.
by Steven28
Fri Dec 25, 2015 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: software for medical expense tracking
Replies: 4
Views: 3059

software for medical expense tracking

I used to use quicken medical expenses manager to track medical expenses, insurance payments etc. Handy also at tax time. But the software will not work with windows 10. Appreciate thoughts on what software others might be using. If i cannot find something i might resort to excel spreadsheet. Thanks...
by Steven28
Tue Nov 24, 2015 6:18 pm
Forum: Personal Consumer Issues
Topic: Eyeglasses - Costco Changed Policies - Help!
Replies: 51
Views: 54100

Re: Eyeglasses - Costco Changed Policies - Help!

you can bring your own frames to walmart. I have used them several times for simple glasses - not progressive etc.
by Steven28
Tue Nov 24, 2015 6:16 pm
Forum: Personal Consumer Issues
Topic: Purchase '98 Toyota Camry?
Replies: 40
Views: 6712

Re: Purchase '98 Toyota Camry?

i had a 99 camry LE. Did all the maintenance as required, and after I bought a new 2007 I gave it to my son. . he eventually sold it to his friend at 103000 miles for $3000 and it still is running well at 195000 miles. Key thing is how the body is. If no rust or minimal rust spots I would buy it . L...
by Steven28
Mon Oct 05, 2015 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: in what type of tax deferred IRA can my son put consulting income
Replies: 5
Views: 668

Re: in what type of tax deferred IRA can my son put consulting income

thanks DSInvestor - my son has increased his contribution to his workplace 401k . easiest option.

steven
by Steven28
Sun Oct 04, 2015 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Intuit to Sell off Quicken
Replies: 63
Views: 10053

Re: Intuit to Sell off Quicken

I am hoping Microsoft buys Quicken and uses it to rebrand their Microsoft Money program from years back.
by Steven28
Sun Oct 04, 2015 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: in what type of tax deferred IRA can my son put consulting income
Replies: 5
Views: 668

Re: in what type of tax deferred IRA can my son put consulting income

So it seems like the only way to shelter more than 20% of net schedule C income is just to put a bit more into workplace 401k. Do have I have that right? In many ways I agree it is the simplest approach. Can he establish both a solo 401k and a SEP IRA the same year? That would allow 40% of income to...
by Steven28
Sat Oct 03, 2015 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: in what type of tax deferred IRA can my son put consulting income
Replies: 5
Views: 668

in what type of tax deferred IRA can my son put consulting income

My 28 yr old son has a 401k at work as well as a roth IRA. The 401k is funded to the level where he gets the full company match, and he funds the roth ira fully. He has just started doing a little consulting on the side and will earn around $3000 this year and will likely file a schedule C tax form....
by Steven28
Thu Sep 10, 2015 12:26 pm
Forum: Personal Investments
Topic: tax loss harvesting - Vanguard ETF and mutual funds
Replies: 3
Views: 691

Re: tax loss harvesting - Vanguard ETF and mutual funds

thanks for these comments. They confirm my suspicion and the reference you provided was very clear on this point.

Steve
by Steven28
Thu Sep 10, 2015 8:35 am
Forum: Personal Investments
Topic: tax loss harvesting - Vanguard ETF and mutual funds
Replies: 3
Views: 691

tax loss harvesting - Vanguard ETF and mutual funds

I am doing some tax loss harvesting and wonder if the ETF class of a Vanguard Fund is considered substantially identical to the Admiral class, for avoiding a wash sale. I have been thinking it nearly identical in terms of securities they hold but have underlying differences in how they are structure...
by Steven28
Fri Aug 28, 2015 11:16 am
Forum: Personal Investments
Topic: ok to place a market order for VEU?
Replies: 20
Views: 979

Re: ok to place a market order for VEU?

why can't you sell and buy the same day? If you call Fidelity they might allow you to do this. I did same with Vanguard a few years back
by Steven28
Sun Mar 29, 2015 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Import Error from Vanguard: Who's Fault?
Replies: 16
Views: 5165

Re: TurboTax Import Error from Vanguard: Who's Fault?

a watchout for all. my vanguard account online contains my wife's accounts, joint accounts, and each of our ira's. My wife also has access to her vanguard account online and it only contains her accounts, our joint account and her iras (not my iras). When I download vanguard data using turbotax I ha...
by Steven28
Sun Mar 29, 2015 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $500,000 house?
Replies: 43
Views: 27069

Re: Can I afford a $500,000 house?

wait until you are in the job 12 - 18 months first. you are vulnerable right now. see how it works out first.
by Steven28
Thu Mar 26, 2015 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Citibank credit card Which credit agency to unfreeze ?
Replies: 11
Views: 4047

Re: Citibank credit card Which credit agency to unfreeze ?

ask the card issuer which credit agency they use. then unfreeze that one. I did the same also did for auto and home insurance company
by Steven28
Thu Mar 26, 2015 6:45 pm
Forum: Personal Investments
Topic: 403b Question
Replies: 26
Views: 3414

Re: 403b Question

just be aware that in NJ, the pre-tax 403b is not deductible on state taxes (but a 401k is).
by Steven28
Tue Mar 10, 2015 6:06 pm
Forum: Personal Investments
Topic: Evaluating new job offer and 401k plan
Replies: 30
Views: 4039

Re: Evaluating new job offer and 401k plan

i think you are making a huge mistake in taking a job that has such a salary decrease, unless you feel you are going to be terminated in your current job shortly. The 401k and other benefits are not really relevant to the decision. If I were you I would keep looking for a more suitable job - one tha...
by Steven28
Fri Feb 06, 2015 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 223
Views: 61066

Re: Turbo Tax - schedule D now no extra cost

turbo tax has advised they are going back to the original features in the software for next year since they realize they made a mess of things this year
by Steven28
Fri Feb 06, 2015 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Setup and Filing Taxes
Replies: 6
Views: 862

Re: Vanguard Setup and Filing Taxes

i can view and trade on my wife's vanguard accounts from my account page including her ira accounts. We get separate statements (one for my ira, one for hers, one for joint account and one for her account) and separate tax forms. The only time I log into her vanguard account with her id number is wh...
by Steven28
Fri Feb 06, 2015 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 223
Views: 61066

Re: Turbo Tax - schedule D now no extra cost

i have used both the desktop and online versions of TT for many years and prefer the desktop. Much easier to model different scenarios. For example, I am using it to determine my estimated tax payments for 2015 based upon projections of 2015 income.
by Steven28
Fri Feb 06, 2015 11:54 am
Forum: Personal Consumer Issues
Topic: Costco Vacation Packages
Replies: 30
Views: 13969

Re: Costco Vacation Packages

used them to book a Celebrity European Cruise in 2012. no issues and a few extras thrown in. have booked a European River cruise for this year also with Costco and in both cases took their Travelguard insurance - cheaper than any other insurance we could find
by Steven28
Sat Jan 24, 2015 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: How much umbrella insurance do I need?
Replies: 20
Views: 4996

Re: How much umbrella insurance do I need?

When my young kids were driving my cars ( I had 4 for a time) I had $5million in umbrella. The extra cost was worth piece of mind. Taking higher deductibles for home and auto helped pay for the coverage.
by Steven28
Sat Jan 24, 2015 7:49 pm
Forum: Personal Investments
Topic: Add new bank to vanguard account
Replies: 20
Views: 20166

Re: Add new bank to vanguard account

you likely cannot withdraw money yet but can still do transfers from your bank into Vanguard
by Steven28
Tue Jan 20, 2015 5:47 pm
Forum: US Chapters
Topic: New Jersey chapter needs new coordinator
Replies: 28
Views: 11980

Re: New Jersey chapter needs new coordinator

I live in Northern NJ - near Morristown and would be interested in participating. Bridgewater Mall is about 40 min from me and is reasonably convenient.

steve
by Steven28
Tue Jan 20, 2015 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: What counts as "saving"?
Replies: 128
Views: 10840

Re: What counts as "saving"?

If you take the term 'savings' as a noun, I have always viewed 'savings' as money taken out of earned income (like from checking account into which my paychecks get deposited) that goes into another investment vehicle such as , bank accounts, investments, 401k, ira, a brokerage account etc. It is a ...
by Steven28
Tue Jan 20, 2015 9:46 am
Forum: Personal Investments
Topic: Dividends reinvested during retirement - taxable or taxfree
Replies: 9
Views: 1604

Re: Dividends reinvested during retirement - taxable or tax

Aptenodytes - thanks for your guidance - I will check out the wiki

steve
by Steven28
Mon Jan 19, 2015 1:07 pm
Forum: Personal Investments
Topic: Dividends reinvested during retirement - taxable or taxfree
Replies: 9
Views: 1604

Re: Dividends reinvested during retirement - taxable or tax

BigJohn, you are keeping asset allocation constant by selling either from stocks or bonds as needed. That seems reasonable to me and I can do that. In the current year I think I will have excess income so will invest again keeping my asset allocation the same. I will maintain or let slightly drift t...
by Steven28
Mon Jan 19, 2015 9:03 am
Forum: Personal Investments
Topic: Dividends reinvested during retirement - taxable or taxfree
Replies: 9
Views: 1604

Re: Dividends reinvested during retirement - taxable or tax

Let me clarify and focus the question this way. Forgetting the current year, within a few years I will need to supplement dividend income by drawing down principal from my portfolio. Do I maintain my current asset allocation during drawdown, or do preferentially withdraw from muni bonds, or from equ...
by Steven28
Thu Jan 15, 2015 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Premier now free (for some)
Replies: 20
Views: 5144

Re: TurboTax Premier now free (for some)

I got an automatic refund last week from Turbo tax for the $10 I paid in Dec for Premier
by Steven28
Thu Jan 15, 2015 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard and Turbo Tax
Replies: 6
Views: 1585

Re: Vanguard and Turbo Tax

i got an automatic refund about a week ago from Turbo tax for the $10 I paid for premier.
by Steven28
Wed Jan 14, 2015 9:46 pm
Forum: Personal Investments
Topic: Dividends reinvested during retirement - taxable or taxfree
Replies: 9
Views: 1604

Re: Dividends reinvested during retirement - taxable or tax

thanks BigJohn . yes after my wife stops working I will evaluate conversion of 401k to roth ira. This year not practical.

steve
by Steven28
Wed Jan 14, 2015 8:38 pm
Forum: Personal Investments
Topic: Dividends reinvested during retirement - taxable or taxfree
Replies: 9
Views: 1604

Dividends reinvested during retirement - taxable or taxfree

My wife and I are in the fortunate position of being able to live on a combination of pension, taxable dividends, and tax free muni bond fund dividends at this point in time. I am 61 and retired during 2014, and she is 59 and she will work this year and then likely retire. I need some advice as foll...
by Steven28
Sun Dec 28, 2014 10:48 am
Forum: Personal Investments
Topic: portfolio guidance needed for daughter
Replies: 16
Views: 1598

Re: portfolio guidance needed for daughter

Laura, thanks for your recommendations, they make good sense and I will advise my daughter with that approach. Lack ey - I don't disagree with your thought that some small portion of equities can be used for a future home purchase, and so depending on how things go, my daughter might need to take so...
by Steven28
Sat Dec 27, 2014 8:42 pm
Forum: Personal Investments
Topic: portfolio guidance needed for daughter
Replies: 16
Views: 1598

Re: portfolio guidance needed for daughter

ALL I have modified my original post to exclude emergency funds. Also in terms of funds for a house, this is still a long way off and holding the current 30% in cash in short term or limited term bonds or will be fine, ideally munis. She is comfortable taking a reasonable risk associated with bond f...