Search found 269 matches

by PGR
Tue Jul 16, 2019 7:57 am
Forum: Investing - Theory, News & General
Topic: ETF Order Status & Confirmation Price -vs- Transaction History Price Precision
Replies: 3
Views: 264

ETF Order Status & Confirmation Price -vs- Transaction History Price Precision

Just an observation that doesn't make a meaningful difference on decimal precision in usage... :beer After I submit an ETF trade on Vanguard's brokerage site or mobile app, I select <order status> to note the price once executed. This price is to 4 decimal places. Later if I select <transaction hist...
by PGR
Fri Jul 12, 2019 8:13 am
Forum: Investing - Theory, News & General
Topic: For Tracking by Asset Classes is VWAHX 'HiYield' or 'Muni'?
Replies: 7
Views: 439

For Tracking by Asset Classes is VWAHX 'HiYield' or 'Muni'?

Hello,
If you have an asset allocation plan that includes specific allocations for A) Hi Yield and B) Tax-Exempt and you want to hold some VWAHX ("Vanguard High-Yield Tax-Exempt Fund") - Which bin would you associate that specific mutual fund with as it seems to blur things a bit...?

Thanks,
by PGR
Fri May 03, 2019 11:26 am
Forum: Personal Investments
Topic: USAA
Replies: 18
Views: 2822

Re: USAA

I am looking for opinions from people that are USAA members... Don't really have much opinion (see below) of the Victory deal because I moved my investments to VG so long ago... IMHO... ======== Good for car insurance (not as cheap as before but good enough) Great for online banking They might have...
by PGR
Sat Mar 23, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: Do you still wear a necktie to work?
Replies: 108
Views: 5835

Re: Do you still wear a necktie to work?

For many years (20 or more) I wore a necktie to work everyday. Now, it seems as though the fashion trend is to not wear a necktie, even with a suit or sport coat. I don't follow most fashion trends (much to the chagrin of my wife), but I have cut way back on wearing neckties. Is it time to send mos...
by PGR
Sat Mar 23, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: Lease a car or buy a car
Replies: 49
Views: 3473

Re: Lease a car or buy a car

delamer wrote:
Fri Mar 22, 2019 11:22 pm
The lease is a better deal for Mercedes, not you. Particularly if you normally keep your cars for 10+ years.

We have bought several 2 or 3 year old luxury vehicles (Audi, Mercedes, Lexus). All were in excellent condition and much cheaper than a new model.
+1
by PGR
Sat Mar 23, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 91
Views: 6249

Re: Family man who misses driving a fun car

So will probably just hang onto the SUVs. Curious though to hear from others on here who h ave been in a similar situation. What did you wind up doing? Miatas are great - can see why you might miss it. Got started on British roadsters way back in the day and always had a sports car since, even got ...
by PGR
Mon Mar 18, 2019 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Ignore Errors/Corrections in Recharacterizations on Return?
Replies: 2
Views: 261

Can I Ignore Errors/Corrections in Recharacterizations on Return?

Re-characterization Errors and 2018 Tax Return After discovering I had just edged over the MAGI limit for 2018 Roth contributions (which I’d already made during 2018) I had to submit a Vanguard Form S220 Re-characterization. Vanguard made several errors - the one I’m concerned about here is as follo...
by PGR
Thu Mar 14, 2019 4:27 pm
Forum: Personal Investments
Topic: When VG REALLY Messes Up - How Do You Elevate/Correct?
Replies: 5
Views: 1239

Re: When VG REALLY Messes Up - How Do You Elevate/Correct?

I went from frontline customer rep, to my advisor, to a specialist, to a VP within 4 hours OK - that answers my question. Next time round I'll use the escalation steps with the titles you mentioned here - thanks! In my case they messed up a re-characterization request twice in a row. First VG denie...
by PGR
Wed Mar 13, 2019 2:09 pm
Forum: Personal Investments
Topic: When VG REALLY Messes Up - How Do You Elevate/Correct?
Replies: 5
Views: 1239

When VG REALLY Messes Up - How Do You Elevate/Correct?

As a general question - In the event Vanguard clearly *really* messes something up - what options do you have or have you utilized for elevating the matter? gaining visibility? getting action on fixing it? ...
by PGR
Thu Feb 21, 2019 11:17 pm
Forum: Personal Consumer Issues
Topic: Another "Is it worth it to fix" question [2002 Nissan Sentra]
Replies: 66
Views: 4395

Re: Another "Is it worth it to fix" question [2002 Nissan Sentra]

Trying to determine what to do here. I have a 2002 Nissan Sentra that needs a fuel tank. Sounds simple, no? <snip> A fuel tank can be a big project in a vintage body on frame type vehicle and more complex in a modern vehicle such as this. The job is labor intensive and the parts (which should be NE...
by PGR
Thu Feb 21, 2019 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: How To Potentially Save Money For Planned Surgery
Replies: 9
Views: 755

How To Potentially Save Money For Planned Surgery

This may be common sense for some of you but for me - this is new stuff (and hey I can't complain as I've enjoyed good health over the years - knock on wood!) picked up on a few lessons the hard way. Seeing the thread about emergency costs recently gave me the idea to share my lessons in case they h...
by PGR
Thu Feb 21, 2019 12:21 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 496
Views: 149817

Re: Forum software upgrade bug reports and change requests

Feature Request: IGNORE Member On other forums I see this sometimes where you can flag an individual to be 'ignored' and you don't have to see their posts anymore. For example there may be a forum member who is a very frequent poster say 15 times or so a day but not particularly constructive, habitu...
by PGR
Thu Feb 21, 2019 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Construction Loan or Cash for New House?
Replies: 6
Views: 630

Re: Construction Loan or Cash for New House?

Interesting! HELOC - yep, check I'm ignorant about and I'll have to learn more about 'margin against investments'... On a related note - arguably the one 'value add' a construction loan might offer is that I 'think' they send an inspector of some sort out periodically to validate certain phases or t...
by PGR
Wed Feb 20, 2019 11:52 pm
Forum: Personal Investments
Topic: Mechanics of IRA Rollover w/ Tax Basis into Employer Plan
Replies: 17
Views: 1118

Re: Mechanics of IRA Rollover w/ Tax Basis into Employer Plan

Hi Alan - Darn close! Line 4 is where 1500 also goes as an 'after January 1' contribution... and the value at December 31 was 0 The revised 8606 including the re-characterized Roth: Line 1 1500 Line 2 4500 Line 3 6000 Line 4 1500 * Line 5 4500 * Line 6 zero * Line 8 4700 Line 9 4700 * Line 10 .957 *...
by PGR
Wed Feb 20, 2019 11:30 pm
Forum: Personal Investments
Topic: Software and Tax Software Selects Schedule D vs Form 8949 for Reporting Stock Transactions?
Replies: 8
Views: 809

Re: Software and Tax Software Selects Schedule D vs Form 8949 for Reporting Stock Transactions?

I wish I didn't have to use 8949, but since I have to correct cost basis, I'm forced into using 8949. Publication 550 covers when you are allowed to use the summary and only Schedule D. Yeah there are times that require 8949 but there are times when you can choose - curious as to why the software z...
by PGR
Wed Feb 20, 2019 11:28 pm
Forum: Personal Investments
Topic: Software and Tax Software Selects Schedule D vs Form 8949 for Reporting Stock Transactions?
Replies: 8
Views: 809

Re: Software and Tax Software Selects Schedule D vs Form 8949 for Reporting Stock Transactions?

livesoft wrote:
Wed Feb 20, 2019 3:58 pm
Did you read it?
Yes. Including this bit "...if you *choose* to report all these transaction on ..." :mrgreen:

So back to my original question - why did the software change from year to year as to what it 'chose' to use if the transactions are equivalent types?
by PGR
Wed Feb 20, 2019 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Construction Loan or Cash for New House?
Replies: 6
Views: 630

Construction Loan or Cash for New House?

I'm looking for feedback from others as to how they may have approached paying for construction of a retirement home... After looking for a couple of years we purchased a nice property last year to build a small customer home on that we plan to retire to. I'm looking to separate in about a year (ear...
by PGR
Wed Feb 20, 2019 3:37 pm
Forum: Personal Investments
Topic: Software and Tax Software Selects Schedule D vs Form 8949 for Reporting Stock Transactions?
Replies: 8
Views: 809

Software and Tax Software Selects Schedule D vs Form 8949 for Reporting Stock Transactions?

I noticed this year that when using TaxAct (web version) Stock Assistant - it simply elected to summarize and bottom-lined my transactions on lines 1a (Box A checked) and 8a (Box D checked) of Schedule D. For the first time in my experience - NO Form 8949 was used/included. This year all transaction...
by PGR
Wed Feb 20, 2019 3:30 pm
Forum: Personal Investments
Topic: Mechanics of IRA Rollover w/ Tax Basis into Employer Plan
Replies: 17
Views: 1118

Re: Mechanics of IRA Rollover w/ Tax Basis into Employer Plan

To follow-up on this thread and perhaps serve anyone else using the search feature here's how it went thus far... Using the above sample data - I rolled ~$95k to the employer plan leaving ~$5k behind (with most of that being the ~$4500 basis). As suggested - I did not immediately Roth convert the re...
by PGR
Wed Feb 20, 2019 2:11 pm
Forum: Investing - Theory, News & General
Topic: Anybody Else Having Problems Downloading Vanguard Forms?
Replies: 3
Views: 313

Re: Anybody Else Having Problems Downloading Vanguard Forms?

Thanks for the confirmation - it's not something at my end anyway at least.

I had them email the 2nd form to me and this time they acknowledged that they had let IT know about it. Should be trivial to fix.
by PGR
Wed Feb 20, 2019 9:45 am
Forum: Investing - Theory, News & General
Topic: Anybody Else Having Problems Downloading Vanguard Forms?
Replies: 3
Views: 313

Anybody Else Having Problems Downloading Vanguard Forms?

Purely a curiosity thing... I keep getting 'file not found' errors for forms such as vanguard.com/pdf/s220.pdf and vanguard.com/pdf/s373.pdf among others Above is exactly how Vanguard links to these files from the referencing pages. I've also tried adding www or personal. Tried from different comput...
by PGR
Mon Jan 28, 2019 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Individual Account 1099Rs - single or combined?
Replies: 6
Views: 611

Re: Vanguard Individual Account 1099Rs - single or combined?

... But IRS said I didn't report one of my 1099's. I told them how to see it. They caved. Precisely my point. Sure at the end of the day the bottom line of the tax software will also do the arithmetic accurately either way and will report the same bottom line whether it's two entries or a single co...
by PGR
Sun Jan 27, 2019 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Individual Account 1099Rs - single or combined?
Replies: 6
Views: 611

Re: Vanguard Individual Account 1099Rs - single or combined?

There is only one line on Form 1040 for all 1099-R's, right? Tax prep software will combine things anyways, won't it? No - there are two(2) lines on the 1099 as stated above: one line for each respective mutual fund with it's own respective amount. I don't know how you would split them. Well I was ...
by PGR
Thu Jan 24, 2019 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Individual Account 1099Rs - single or combined?
Replies: 6
Views: 611

Vanguard Individual Account 1099Rs - single or combined?

I had an older individual Vanguard Rollover-IRA (not converted to a Brokerage account). I did a Rollover from that account to another institution. The 1099-R I received had a separate line and distribution code (same code for each) for each of the two mutual funds. Can I simply add the amounts of th...
by PGR
Thu Jan 17, 2019 1:13 am
Forum: Personal Consumer Issues
Topic: Anyone with experience with Carmax?
Replies: 74
Views: 24957

Re: Anyone with experience with Carmax?

Never bought from them. But I flipped cars in HS and college and was around dealerships a bit here and there... I've been to Carmax once out of curiosity and a couple times because someone wanted me along. My perception was VERY positive - they seem very transparent and fair. Nice way to sell lightl...
by PGR
Thu Jan 17, 2019 12:58 am
Forum: Personal Consumer Issues
Topic: Duffel Bag vs Wheeled Stand Up traveling
Replies: 78
Views: 4355

Re: Duffel Bag vs Wheeled Stand Up traveling

Wheels are OK for domestic airport type travel but wheels eat into precious space, add weight and cheaper ones more readily break. So it's a trade-off. I can't stand hard sided anything. There are 'some' soft sided bags w/ wheels at the corners. The wheels aren't road warrior quality but good enough...
by PGR
Thu Jan 17, 2019 12:35 am
Forum: Personal Consumer Issues
Topic: Buying a car? [Need help with strategy for purchasing a used car]
Replies: 43
Views: 6320

Re: Buying a car? [Need help with strategy for purchasing a used car]

This may come late for you but if you need some options, a quick and reasonable deal - just go to Carmax. I tinkered on, refurbished and flipped a lot of cars in high school and college and still work on an old 71 Chevy and 69 Deere as a hobby. Buying directly from an owner on CL or whatever will ge...
by PGR
Thu Jan 17, 2019 12:23 am
Forum: Personal Consumer Issues
Topic: Car reviews - Consumer Reports or other sources?
Replies: 41
Views: 3463

Re: Car reviews - Consumer Reports or other sources?

CR is fine for those who look at cars as commoditized things that get you from A to B reliably and safely. They are probably unmatched in their ability to gather and quantify stats. If cars evoke more passion from you (like say a Corvette does for me) - CR is pretty 'bleh' stuff. I'll add that IMHO ...
by PGR
Wed Jan 16, 2019 11:59 pm
Forum: Personal Consumer Issues
Topic: Should I get umbrella liability insurance?
Replies: 56
Views: 5117

Re: Should I get umbrella liability insurance?

Questions -Should I get umbrella liability insurance in case I get sued and someone comes after my retirement assets? I do not have rental insurance. In addition, I do not have home insurance since I do not own a home. I only have car insurance. No. Unless you are excessively risk averse. Heck my o...
by PGR
Mon Jan 14, 2019 12:14 pm
Forum: Investing - Theory, News & General
Topic: Why No Mid-Cap TIAA Index Fund?
Replies: 6
Views: 487

Re: Why No Mid-Cap TIAA Index Fund?

Thank you - those are all good points. In my limited observations - I've not noticed much historical difference between large cap and total stock market funds. Perhaps more important (to me) than the breadth of TIAA funds is the breadth of TIAA index funds my employer chooses to (not) offer employee...
by PGR
Mon Jan 14, 2019 1:06 am
Forum: Investing - Theory, News & General
Topic: Why No Mid-Cap TIAA Index Fund?
Replies: 6
Views: 487

Why No Mid-Cap TIAA Index Fund?

Assuming have access to these 2 TIAA institutional funds and temporarily ignoring their broader Equity Index (TIEIX) fund, am trying to learn and better understand TIAA's offerings and underlying indexes... Large-Cap S&P 500 Index Fund (TISPX) (S&P500) Small-Cap Blend Index Fund (TISBX) (Russell 200...
by PGR
Tue Dec 11, 2018 12:30 am
Forum: Personal Consumer Issues
Topic: Participant Interests (Not) Aligned with Medicare Advantage Plans?
Replies: 7
Views: 601

Participant Interests (Not) Aligned with Medicare Advantage Plans?

We've only just begun the journey of learning about medicare and ultimately selecting plans as my spouse will be turning 65 in 2019... One of the biggest decisions in the decision tree is Original Medicare (w/ say Part D and 'Medigap' Plan for example) vs Medicare Advantage plans... As I started loo...
by PGR
Wed Dec 05, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Anybody Taking Equifax Offer for Free IDNotify Service?
Replies: 13
Views: 5765

Re: Anybody Taking Equifax Offer for Free IDNotify Service?

The problem is that you don't get any insurance and y not take something that is free. The rationale might be that by declining it you are denying the sharing of yet more information between two (or more) organizations whose industry already have a poor history of safeguarding your personal informa...
by PGR
Tue Dec 04, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody Taking Equifax Offer for Free IDNotify Service?
Replies: 13
Views: 5765

Anybody Taking Equifax Offer for Free IDNotify Service?

Equifax offered free TrustedID Premier for for victims last year from their infamous hack. I presume a lot of people have received an email stating that Equifaxes 1-year free TrustedID service is going away but they are offering a 2nd year for victims thru a new offer thru (competitor) Experian call...
by PGR
Thu Oct 25, 2018 9:46 pm
Forum: Personal Investments
Topic: Moving money from Tira to Rira
Replies: 3
Views: 288

Re: Moving money from Tira to Rira

I believe you can convert it all and pay taxes out of your other personal funds by April. FWIW If your wife's employer accepts rollovers into their 401k or 403b - she could take the pre-tax portion and roll it there and the remainder w/ tax basis could be converted to a Roth all in the same year and...
by PGR
Thu Oct 25, 2018 9:40 pm
Forum: Personal Investments
Topic: An odd retirement scheme? [TIAA Yale retirement savings program]
Replies: 14
Views: 2861

Re: An odd retirement scheme?

How the average person is supposed to figure this all out is beyond me. Unless she has other investments to factor into the picture, the path of least resistance is to just go with the pre-made target date fund and call it a day. I think the employer is providing a legitimate and reasonable allocat...
by PGR
Thu Oct 25, 2018 9:25 pm
Forum: Personal Investments
Topic: An odd retirement scheme? [TIAA Yale retirement savings program]
Replies: 14
Views: 2861

Re: An odd retirement scheme? [TIAA Yale retirement savings program]

1. Are annuities superior to bond funds? I'm guessing that's why there are no bond funds in the scheme. The question is much too generic as not all (variable) annuities are alike'. In this case TIAA Traditional isn't exactly variable & pays a guaranteed mininimum return - currently I think it's gua...
by PGR
Tue Sep 25, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions for Online Banking (Having Problems w/ USAA)
Replies: 13
Views: 1055

Suggestions for Online Banking (Having Problems w/ USAA)

I've been using USAA's online bankings services for decades now but have recently run into issues that lead to me looking for a new service provider... In the past i've been able to 'transfer' large amounts to/from other institutions 'linked' accounts such as my local Credit Union or Vanguard for ex...
by PGR
Wed Sep 19, 2018 10:25 pm
Forum: Personal Investments
Topic: Mechanics of IRA Rollover w/ Tax Basis into Employer Plan
Replies: 17
Views: 1118

Re: Mechanics of IRA Rollover w/ Tax Basis into Employer Plan

... That might mean making it clear that your IRA is not a "rollover IRA". Otherwise, you should make the safe play and not convert until after the 401k has accepted your rollover and that money shows as a balance in your 401k plan. OK thanks. Thanks also for the warning - I like the idea of separa...
by PGR
Wed Sep 19, 2018 2:24 pm
Forum: Personal Investments
Topic: Mechanics of IRA Rollover w/ Tax Basis into Employer Plan
Replies: 17
Views: 1118

Re: Mechanics of IRA Rollover w/ Tax Basis into Employer Plan

Thanks all - am reading/researching as suggested... It's not the ratio established on Form 8606 years ago, it's the basis established on Form 8606 years ago. See the "Total Basis Chart" on p. 8 of https://www.irs.gov/pub/irs-pdf/i8606.pdf. So to correct my example from above... 2012: ===============...
by PGR
Tue Sep 18, 2018 9:48 pm
Forum: Personal Investments
Topic: Mechanics of IRA Rollover w/ Tax Basis into Employer Plan
Replies: 17
Views: 1118

Mechanics of IRA Rollover w/ Tax Basis into Employer Plan

My understanding is that when you rollover an IRA with a co-mingled tax basis into an employer tax deferred 401k/403b, the pre-tax portion is eligible and comes out of the IRA 'first' thus effectively 'un-co-mingling' the IRA pretaxed and taxed portions. SAMPLE/SCENARIO For simplicity sake I'll use ...
by PGR
Wed Apr 04, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: These are My Suggestions for Improvements to Vanguards (brokerage) Website
Replies: 0
Views: 1071

These are My Suggestions for Improvements to Vanguards (brokerage) Website

Thought I'd share these. Sometimes companies listen and put ideas in the hopper and execute on them or variations of them at future dates. Sometimes they don't for various reasons. But it doesn't hurt to make suggestions as users. Here's a few I recently submitted. For better or worse - now when I m...
by PGR
Mon Dec 18, 2017 12:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Texts and Logon Security
Replies: 6
Views: 932

Vanguard Texts and Logon Security

At 1:16A this morning my phone received a text apparently from Vanguard - I didn't notice until I woke up and phone was no longer on do-not-disturb. Vanguard security code: XXXXXX Code expires in 10 minutes. Reply HELP for help, STOP to cancel, Msg&Data Rates May Apply ##### - 1:00AM Except for the ...
by PGR
Thu Sep 14, 2017 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 76
Views: 52100

Re: Is a security freeze at Innovis really needed?

So far, I've locked TransUnion, frozen chex, exp, Equifax, innovis I've sometimes used the words interchangeable and maybe you did to. But FYI locking is not technically the same as freezing as I've recently discovered. ... no poorly worded, obscure test questions ("what was your rent in 1995 ...")...
by PGR
Thu Sep 14, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Credit 'Lock' vs Freeze (TransUnion)
Replies: 2
Views: 3016

Re: Credit 'Lock' vs Freeze (TransUnion)

I suspect the same question may apply to Equifax for those who are interested with their Premier TrustedID service they are now offering free in light of their data breach. It looks like from within that service one can also 'lock' their Equifax credit. Personally I've gone ahead and frozen my Equif...
by PGR
Thu Sep 14, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Credit 'Lock' vs Freeze (TransUnion)
Replies: 2
Views: 3016

Credit 'Lock' vs Freeze (TransUnion)

Like many folks here I've frozen my credit reporting at Experian and Equifax. Experian was $10 (allowed by my state) and Equifax was free (I think they normally charge but ...) However at TransUnion their site offered an additional option beyond freezing... you can sign up for their free 'TrueIdenti...
by PGR
Thu Aug 10, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: GoogleFinance Reporting Erroneous Price Data on Vanguard ETFs?
Replies: 2
Views: 598

Re: GoogleFinance Reporting Erroneous Price Data on Vanguard ETFs?

Yep - no biggee - I only noticed it because my spreadsheet monitors prices relative to 52 week hi/lo and conditionally displays a different color accordingly - which is not currently working accurately of course (but can be easily ignored). NASDAQ (who feeds Googles data in some cases?) is correctly...
by PGR
Thu Aug 10, 2017 3:06 pm
Forum: Investing - Theory, News & General
Topic: GoogleFinance Reporting Erroneous Price Data on Vanguard ETFs?
Replies: 2
Views: 598

GoogleFinance Reporting Erroneous Price Data on Vanguard ETFs?

I first noticed yesterday (and again today) that =googlefinance function in google sheets is reporting erroneous 'Low52' (52 week low) data for some Vanguard ETFs such as VTI. I checked their website and it's also reporting the same erroneous 52 week low data. For example, Google is reporting the 52...
by PGR
Wed Feb 22, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Specified ID Shares and Older VG Accounts/Purchases
Replies: 9
Views: 1061

Re: Specified ID Shares and Older VG Accounts/Purchases

If I couldn't figure out the nature of the mistake (e.g., they sold *these* shares, rather than *those* shares), I'd be following up. If I understood the mistake, could work around it, and the stakes were small, I might not bother. Well I called over my lunch hour about this other 1099-B error (not...