Search found 2277 matches

by oneleaf
Tue Jan 16, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax Forms Now Online
Replies: 35
Views: 1616

Re: Vanguard Tax Forms Now Online

Iam a brokerage customer and I received my form notice today. (although Iam not sure it is correct - see my other post above) Good to know. Although in your case, it is a 1099-R which states mid-January for Mutual Fund accounts and late-January for Brokerage accounts. The fact that you got the 1099...
by oneleaf
Tue Jan 16, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax Forms Now Online
Replies: 35
Views: 1616

Re: Vanguard Tax Forms Now Online

I have an "upgraded" (combined) brokerage account with only Vanguard funds. It is a shame that this probably puts my tax forms out a month for no good reason. The nice thing is that dividend numbers are easier to report (one line for all funds, instead of a line for each fund). But it sure would be ...
by oneleaf
Tue Jan 16, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Best High Interest Banking Accounts (With Bill Pay): (Checking/Savings/MMA?)
Replies: 8
Views: 540

Re: Best High Interest Banking Accounts (With Bill Pay): (Checking/Savings/MMA?)

Alliant CU has a pretty good checking/savings pairing: Checking has .65% interest (as long as you have SOMETHING direct deposited every month. It can be SS payments or paycheck). Savings has 1.3% interest You can set up overdraft protection in checking with savings as a backup source. Ally and Capit...
by oneleaf
Mon Jan 15, 2018 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 99
Views: 7521

Re: TaxAct and alternatives

What special handling of foreign income is it? Is HRB not capable of handling it? I need to claim the foreign tax credit for my mutual funds AND have foreign bank interest not reported on a 1099-INT, which means I have to file a 1116. I had issues getting the 1116 form to generate properly with any...
by oneleaf
Mon Jan 15, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 99
Views: 7521

Re: TaxAct and alternatives

I'm shocked by TaxAct's price increase. I paid $45 for a federal return and 3 state returns for 2015, and $27.50 for federal and a single state for 2016. This year, the headline price for "plus" is $25 plus $37 per state . In past years I used discount codes. This year, I haven't received any offer...
by oneleaf
Mon Jan 15, 2018 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: CDs & Savings as a substitute for bonds or bond funds
Replies: 20
Views: 2146

Re: CDs & Savings as a substitute for bonds or bond funds

For the past several years (since shortly after the GFC), CD's and savings accounts have been pretty good alternatives to bond funds. However, nowadays, I am finding Short Term Treasuries and Intermediate Term Treasuries to be only slightly less yield than the best CD's. And in a taxable account in ...
by oneleaf
Tue Dec 19, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo tax and overseas bank accounts
Replies: 9
Views: 710

Re: Turbo tax and overseas bank accounts

I think I figured out a good way to force a 1116 form on TurboTax Premier Online, for those with a foreign bank interest. - Go ahead and add the foreign bank interest by filling in a 1099-INT even if you did not receive a 1099-INT. This ensures it shows up on Schedule B. - When doing the Foreign Tax...
by oneleaf
Tue Dec 19, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Turbo tax and overseas bank accounts
Replies: 9
Views: 710

Re: Turbo tax and overseas bank accounts

kramer and gd, thanks for the comments!
My biggest issue is that I am under the $600 limit so I have a hard time forcing the 1116. I can use TurboTax Online Premier (not the desktop version since I use a Linux computer) so I will give it another go this year and try it.
by oneleaf
Mon Dec 18, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Turbo tax and overseas bank accounts
Replies: 9
Views: 710

Re: Turbo tax and overseas bank accounts

If you claim a Foreign Tax Credit for anything, and you receive interest income for anything in the same category (e.g. passive income) without a US income statement (e.g. 1099) on that income, you will be required to file Form 1116 to claim the Foreign Tax Credit. First page of 1116 instructions. ...
by oneleaf
Tue Nov 28, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Tax Software recommendations?
Replies: 15
Views: 1225

Re: Tax Software recommendations?

TaxAct was great value a couple years ago, but went up in price quite a bit (for the Plus version) last year, and went up a lot more this year for state returns. I am a bit disappointed. Also, in this thread , I discussed a reason why I am preferring FreeTaxUSA over TaxAct. TurboTax was nice when Fl...
by oneleaf
Mon Nov 27, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Software and handling of Schedule D
Replies: 15
Views: 1414

Re: Tax Software and handling of Schedule D

Update: FreeTaxUSA does this. It has a great explanation of how to use summarized data and when it is best to break out individual sales and how to combine the strategies. The more I look at FreeTaxUSA, the more I like it. I understand why other tax software does not let you summarize. If any of the...
by oneleaf
Sat Nov 25, 2017 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Software and handling of Schedule D
Replies: 15
Views: 1414

Re: Tax Software and handling of Schedule D

Those who use tax software likely should not be concerned about whether the tax return generated by the software uses lines 1a or 8a on Schedule D, when possible, instead of using lines 1b or 8b on Schedule D with each sale listed on Form 8949. Lines 1a and 8a on Schedule D can be viewed as reducin...
by oneleaf
Fri Nov 24, 2017 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Software and handling of Schedule D
Replies: 15
Views: 1414

Re: Tax Software and handling of Schedule D

............................................................. I know I can do a dummy entry with a fake “date sold” date with the summarized amounts, .................................................................................. Thanks! This would bother me a little bit but it's not really a fa...
by oneleaf
Fri Nov 24, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Software and handling of Schedule D
Replies: 15
Views: 1414

Re: Tax Software and handling of Schedule D

I don’t understand why you would want to enter “various” for the sold date. Do you have a lot of different sell dates for the same security in the same year? Not just same securities... ALL securities of the same category. Example: if you have 10 sales with Box A checked (basis reported to IRS), yo...
by oneleaf
Fri Nov 24, 2017 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Screwed Up My Cost Basis - FIFO Instead of Spec ID
Replies: 12
Views: 1563

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

This happened to me once, and I was too busy at the time to deal with it so I lived with it. It has made me lose faith in Vanguard. I have made dozens of sales since and they have all been correctly Spec’d but that one time they screwed up always peeved me. This is a BIG problem. I wonder if, as a g...
by oneleaf
Fri Nov 24, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Software and handling of Schedule D
Replies: 15
Views: 1414

Tax Software and handling of Schedule D

I am interested to hear others’ experience with how their preferred Tax Software handles sales of covered shares. On Schedule D, it clearly states you can aggregate all sales of covered shares (separately for LT and ST gains/lossesj as long as they meet the requirements. They must be covered and hav...
by oneleaf
Tue Nov 21, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 99
Views: 7521

Re: TaxAct and alternatives

Curious about alternatives as well. I was able to lock in $17.99 for federal Taxact Plus Online today, but it looks like State is $37 extra, up from $14.99 last year! The price increase is more than I am willing to pay.
by oneleaf
Thu Nov 09, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Beneficiary Form Question (Child's Trust)
Replies: 8
Views: 469

Re: Vanguard Beneficiary Form Question (Child's Trust)

At this point, since my daughter is only 2, I am primarily interested in designating guardianship for her. I know I don't have a perfect plan. But I didn't want to have to hire a lawyer for this. And as I am traveling in a few days, I can either shred my will and make a new one (with a UTMA if that ...
by oneleaf
Thu Nov 09, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Beneficiary Form Question (Child's Trust)
Replies: 8
Views: 469

Re: Vanguard Beneficiary Form Question (Child's Trust)

I was initially hoping this was a simple question with a simple solution, since I only have one child and one trust created under my will. I apologize if I really should be looking for an estate lawyer, but I was hoping there are plenty of DIY'ers and this is a fairly routine question? If not, pleas...
by oneleaf
Thu Nov 09, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Beneficiary Form Question (Child's Trust)
Replies: 8
Views: 469

Re: Vanguard Beneficiary Form Question (Child's Trust)

What if your daughter predeceases you? We usually fill in "See attached rider" and then attach a rider with the specific provisions. In this case, that would include who would get the IRA if your daughter doesn't survive you. I suppose the IRA would just go to my estate, and the court would decide ...
by oneleaf
Thu Nov 09, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Beneficiary Form Question (Child's Trust)
Replies: 8
Views: 469

Re: Vanguard Beneficiary Form Question (Child's Trust)

Yea, we would consider hiring an attorney, but since we don't have one, I was hoping this is a simple matter that I can do myself. Curious how others have done their beneficiary forms, with simple Nolo or Legalzoom wills with trusts?
by oneleaf
Thu Nov 09, 2017 2:59 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Beneficiary Form Question (Child's Trust)
Replies: 8
Views: 469

Vanguard Beneficiary Form Question (Child's Trust)

I have a young daughter and my will designates that a trust be created for her upon our deaths and assets held until she reaches a certain age. On Vanguard's Beneficiary Form, one of the options is a Trust, where I can click the button that says "To the trustee of a trust created under my last will"...
by oneleaf
Wed Nov 08, 2017 3:01 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Slaughtering The High Dividend Sacred Cow
Replies: 192
Views: 13880

Re: Larry Swedroe: Slaughtering The High Dividend Sacred Cow

I believe Larry is on point regarding this matter. On the other hand, as a retail investor, I've learned to accept "flawed" dividend products when it suits my needs. Wisdomtree's DLS and DGS provide access to International Small Value and Emerging Small Value asset classes. Yes, I would prefer that ...
by oneleaf
Wed Nov 08, 2017 2:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. & International Allocation
Replies: 36
Views: 4038

Re: U.S. & International Allocation

One interesting thing I discovered is that the Oregon 529 plan (run by TIAA-CREF) has a 50/50 domestic/international split among all of their portfolios. An aggressive portfolio would have 40/32/8 in Domestic/Developed/Emerging. A conservative portfolio would have 10/8/2. The underlying funds are br...
by oneleaf
Tue Nov 07, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: UTMA: Trying to Make it Hassle-Free
Replies: 7
Views: 704

Re: UTMA: Trying to Make it Hassle-Free

Thanks for the responses! I already have a 529, and trying not to contribute too much to it. This UTMA would be small enough that keeping gains under $1050 annually should be very easy, which is why I wanted to do that. But if the account ever grew, I agree I should not worry about doing a tax retur...
by oneleaf
Tue Nov 07, 2017 1:18 am
Forum: Investing - Help with Personal Investments
Topic: UTMA: Trying to Make it Hassle-Free
Replies: 7
Views: 704

UTMA: Trying to Make it Hassle-Free

My daughter occasionally gets cash gifts, and I am interested in putting them in a UTMA account for her. I wanted to make sure I understood all the implications of having a custodial account for her. This was my plan: 1. My understanding is my daughter does not need to file a tax return if the inves...
by oneleaf
Wed Oct 25, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Difference in ERs between Vanguard's Funds vs ETFs
Replies: 13
Views: 935

Re: Difference in ERs between Vanguard's Funds vs ETFs

I also own both VSS and VFSVX in differnt accounts. I've always assumed that the growth of ETF's at Vanguard has hindered the growth of the assets held in the mutual funds themselves. Not stopped of course, just hindered. It's ironic that if the ETF didn't exist the mutual fund would have much more...
by oneleaf
Tue Oct 24, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Difference in ERs between Vanguard's Funds vs ETFs
Replies: 13
Views: 935

Re: Difference in ERs between Vanguard's Funds vs ETFs

Yeah - I wish there was some guidance on this. I'm wishing Total World Admiral existed. The issue of investors considering etf shares vs investor shares when admiral doesn't exist is a thorny one. If an investor would prefer mutual fund shares instead of ETFs - given the fact that (as far as I know...
by oneleaf
Tue Oct 24, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Difference in ERs between Vanguard's Funds vs ETFs
Replies: 13
Views: 935

Re: Difference in ERs between Vanguard's Funds vs ETFs

tibbitts wrote:
Tue Oct 24, 2017 5:13 pm
The unpredictability of when a fund will get admiral shares is annoying - there seems to be no pattern.
I know. I feel like VFSVX (Ex-US Small) should have one by now. Been holding the investor shares since inception. :?
by oneleaf
Tue Oct 24, 2017 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Difference in ERs between Vanguard's Funds vs ETFs
Replies: 13
Views: 935

Re: Difference in ERs between Vanguard's Funds vs ETFs

Just noticed a 13 basis point difference in ERs between Vanguard's Small Cap International Mutual Fund (VFSVX 0.27) and EFT (VSS 0.13). In general, how long does it take for fund volume to catch up and offset expenses so that these ERs so they are closer? The market cap of both of these are similar...
by oneleaf
Tue Oct 24, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: How do Fund-to-ETF conversions affect tax lots?
Replies: 4
Views: 717

Re: How do Fund-to-ETF conversions affect tax lots?

If you use specific identification, Vanguard won't let you sell a partial lot unless you liquidate your entire position. For example, if you have three lots of .8, .7, and .6 shares, you probably won't be able to sell one share, but you can sell two shares and Vanguard will take care of the extra t...
by oneleaf
Sun Oct 22, 2017 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: How do Fund-to-ETF conversions affect tax lots?
Replies: 4
Views: 717

How do Fund-to-ETF conversions affect tax lots?

I am considering doing some conversions from Vanguard index funds to ETF's in my taxable account and curious how this would affect my SpecID tax lots. If done right, then all of these lots will have partial shares. Partial shares cannot be sold unless you liquidate an entire position. So, say, I hav...
by oneleaf
Sun Oct 08, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union no longer offering HSA's as of 11/9
Replies: 56
Views: 6094

Re: Alliant Credit Union no longer offering HSA's as of 11/9

Only found out about this yesterday. Rather than deal with the transfer, I made a full distribution and will ask them to close the account. I have enough medical bills to use it all for reimbursement. After 10+ years of hoping for HSA's to take off as a low-cost investment vehicle, I decided it's mo...
by oneleaf
Wed Sep 27, 2017 12:57 am
Forum: Personal Consumer Issues
Topic: Transfering Data Between Cloud Providers
Replies: 7
Views: 1026

Re: Transfering Data Between Cloud Providers

I have transferred from Amazon S3 to Google Cloud Platform. Note, there is significant data transfer out charges so doing it fresh from your local PC will be cheaper (generally free). Did you transfer your data that was backed up on CrashPlan or this was something else? I am wondering if whoever tr...
by oneleaf
Tue Sep 26, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: Transfering Data Between Cloud Providers
Replies: 7
Views: 1026

Re: Transfering Data Between Cloud Providers

I have transferred from Amazon S3 to Google Cloud Platform. Note, there is significant data transfer out charges so doing it fresh from your local PC will be cheaper (generally free).
by oneleaf
Tue Sep 19, 2017 3:18 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 54121

Re: Equifax customer information leak

Some slightly good news. Equifax refunded me and my wife the $10 freeze fee, without me needing to ask for it . Nice surprise when checking my credit card transactions today. A few days ago, they announced that freezes would be free for the next two months, but did not say how or if they would refun...
by oneleaf
Wed Sep 13, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 54121

Re: Equifax customer information leak

Anyone find out if Equifax will refund the freeze fees automatically or do we have to call? News is reporting that all freezes since 9/7 are free and will be refunded, but no word on whether we need to call.
by oneleaf
Sat Sep 09, 2017 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 75
Views: 38282

Re: Can't freeze credit at Experian?

Happened to both me and my wife. Annoying thing is it failed AFTER asking for CC info.

I then tried it on the phone. Mine worked but my wife's did not.

So if you failed online, worth trying over the phone!
by oneleaf
Sat Sep 09, 2017 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 54121

Re: Equifax customer information leak

I had the same experience with Experian several months ago. Several unsuccessful online freeze attempts resulted in three pending charges. Finally I was able to successfully freeze by calling their 888 number and that caused a fourth pending charge. At the end of the billing period I was only charg...
by oneleaf
Fri Sep 08, 2017 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 54121

Re: Equifax customer information leak

Transunion had the worst experience for freezing. After twenty minutes on a unintuitive website, the last page would not permit me through. Another 20 on the phone, and finally frozen. Upon checking bank, two pending charges for the freeze. Experian and Equifax were both under 5 minutes online. Equ...
by oneleaf
Fri Sep 08, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 54121

Re: Equifax customer information leak

Just froze my wife and I's credit reports at Equifax and Transunion online. Tried to do it at Experian but both me and my wife could not do it and they requested that we do it by mail (after going through the form and entering credit card number for the $10, it tells me they can't do it, which was s...
by oneleaf
Wed Aug 02, 2017 1:13 am
Forum: Personal Consumer Issues
Topic: Any problem leaving a hole in ceiling of garage?
Replies: 27
Views: 2303

Re: Any problem leaving a hole in ceiling of garage?

Thanks for the replies. We have never had an issue with moisture. Also, there are no cars in the garage or other equipment that might give off carbon monoxide. We just use it for storage.
by oneleaf
Tue Aug 01, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: Any problem leaving a hole in ceiling of garage?
Replies: 27
Views: 2303

Any problem leaving a hole in ceiling of garage?

We had a leak coming down the upstairs shower valve down into the garage, that required cutting up some drywall. I am left with a rectangular hole down there of about 2 ft X 1 ft. It doesn't bother us having a hole there since it's the garage. And if there was ever another leak, we'd catch it earlie...
by oneleaf
Thu Jul 20, 2017 12:01 am
Forum: Personal Consumer Issues
Topic: Anyone feel like talking "R"
Replies: 40
Views: 9383

Re: Anyone feel like talking "R"

I recently took a Python for Data Science class where we downloaded Anaconda and used the Jupyter Notebook for the class. The Jupyter Notebook is great for doing step by step analysis and seeing results. Jupyter is great. I do a lot of my reports and exploratory analysis in Python using Jupyter, bu...
by oneleaf
Mon May 29, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 129
Views: 12846

Re: Updates on the status of Linux

Nah, that's not true. That's what people say when they're too close to Linux on the technical side. ;) In fact, that's what I often complain about. Technical Linux users and sysadmins use the command line day in and day out. I'm not sure they've ever even tried a GUI-heavy system like Mint which is...
by oneleaf
Sun May 28, 2017 1:35 am
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 129
Views: 12846

Re: Updates on the status of Linux

I don't really get comments like that. Modern Linux is becoming more attuned to Windows and Mac users who wouldn't know a server or a programming code if it hit them in the face. Of course, geeks can run wild on Linux if they want to, but that doesn't stop average users from enjoying a traditional ...
by oneleaf
Tue Mar 21, 2017 11:32 pm
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 3298

Re: Anybody using the TERMINAL over the GUI in ubuntu?

Besides commandline tools, there are also terminal programs that use ncurses for a GUI like experience. Definitely give the following a try: Midnight Commander (package name is mc), weechat (if you use IRC), htop, and moc music player (mocp package).
by oneleaf
Thu Feb 23, 2017 1:48 am
Forum: Personal Consumer Issues
Topic: Desktop Computer - Still relevant? Good investment?
Replies: 76
Views: 7814

Re: Desktop Computer - Still relevant? Good investment?

Fun fact: if you keep a desktop computer for more than 4 years you'll spend more on electricity than on buying it! This is not really a fact. This really depends how much you spend on your computer, and how long you use it. Let's take a $1000 desktop computer with 200W average power consumption inc...
by oneleaf
Mon Feb 13, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: Building a Computer
Replies: 28
Views: 3249

Re: Building a Computer

For me, I'm not interested in cost/performance or "bang-for-the-buck." I'm only interested in "bang." I've used an i7 since 2010 (the i7 930, and now run the i7 6700k). Kaby Lake wasn't released yet when I made my purchase, but I also wasn't interested in waiting because of the ...
by oneleaf
Sat Feb 11, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Building a Computer
Replies: 28
Views: 3249

Re: Building a Computer

OP: You didn't specify which CPU exactly, but I always recommend i7, even though you could probably get away with i5 just fine in most situations. I personally think i7's need to be justified only for very specific use cases. People that do a lot of video editing or rendering or encoding. Or 3D CAD...