Search found 134 matches

by ruud
Mon Apr 17, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: is it too late for backdoor roth?
Replies: 7
Views: 524

Re: is it too late for backdoor roth?

The Roth conversion will be on your 2017 tax return in any case, it has no bearing on the 8606 you file for the 2016 contribution.
by ruud
Mon Apr 10, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Two W2s from employer with only 12W (HSA) on one..does TurboTax and IRS need both?
Replies: 6
Views: 428

Re: Two W2s from employer with only 12W (HSA) on one..does TurboTax and IRS need both?

I had this problem in the past (with a different set of 5 box 12 codes), TurboTax essentially treats it as a single W2 form that happens to be split across 2 "pages".
by ruud
Thu Apr 06, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is Capital Gains based on AGI? Is it bracketed like Income Tax?
Replies: 23
Views: 1389

Re: Is Capital Gains based on AGI? Is it bracketed like Income Tax?

If you compare the following 2 scenarios in your tax software: * all income, including the stock sale with a basis of 0 * all income, but don't include the stock sale at all (i.e. don't enter the 1099 in the tax software) What is the difference in tax liability? If the number is small enough, is it ...
by ruud
Wed Apr 05, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: IRS and TurboTax Finger Pointing At Each Other
Replies: 17
Views: 1642

Re: IRS and TurboTax Finger Pointing At Each Other

If I recall correctly TurboTax lets you specify a date up to the April deadline for the money to be withdrawn, and I believe (though am not 100% sure on this) that it even presents that date as the default. Can you go back into TurboTax to see what date you specified?
by ruud
Wed Mar 29, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: planning to visit San Francisco for a short break
Replies: 23
Views: 1595

Re: planning to visit San Francisco for a short break

Oh, and if (like me, obviously, from my nym) you're into old computers, go take in the Computer History Museum. It's just south of the SF Bay off the 101 in Mountain View, a ten or fifteen minute drive from SF. Just a tiny nit: the Computer History Museum is about 45-60 minutes from SF. Also, aroun...
by ruud
Sat Mar 25, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: planning to visit San Francisco for a short break
Replies: 23
Views: 1595

Re: planning to visit San Francisco for a short break

Oh, and if (like me, obviously, from my nym) you're into old computers, go take in the Computer History Museum. It's just south of the SF Bay off the 101 in Mountain View, a ten or fifteen minute drive from SF. Just a tiny nit: the Computer History Museum is about 45-60 minutes from SF. Also, aroun...
by ruud
Wed Feb 22, 2017 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: I didn't report 1099-G?
Replies: 15
Views: 1071

Re: I didn't report 1099-G?

so it already included it as income, no need to manually enter the 1099G. (I know this is the case for TurboTax since it applies to me, it may be the case for other tax preparation software as well). So before you go and file a 1099X, check to see if the amount is already reported on your filed 109...
by ruud
Wed Feb 22, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: I didn't report 1099-G?
Replies: 15
Views: 1071

Re: I didn't report 1099-G?

Also, if you did your 2015 and 2016 taxes both with TurboTax and transferred the 2015 data to 2016, it already knew you itemized and got a state refund, so it already included it as income, no need to manually enter the 1099G. (I know this is the case for TurboTax since it applies to me, it may be t...
by ruud
Mon Jan 23, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Recommenations for Travel 220 to 110V transformer
Replies: 11
Views: 473

Re: Recommenations for Travel 220 to 110V transformer

By far most electronics chargers are 220V compatible, so all you may need is a plug converter rather than a transformer. Although I don't know what laptop you have, all Apple chargers are universal voltage as far as I know.
by ruud
Wed Jan 18, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Still Struggling to Understand How Bonds Work
Replies: 10
Views: 1202

Re: Still Struggling to Understand How Bonds Work

In very simple terms: Imagine a piece of paper that says "On date X I will pay you $100". If you hypothetically buy this paper for $90, you'll have gained about 11% on your investment when date X comes around. Imagine the market price for these papers rises to $95 for whatever reason, so i...
by ruud
Tue May 10, 2016 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: Should I hold on to my Apple stock?
Replies: 76
Views: 9051

Re: Should I hold on to my Apple stock?

If hypothetically instead of the Apple stock, you had $11,200 sitting in that account as cash, would you buy Apple stock with it? If so, hold on to it. If you wouldn't use the $11k to buy Apple stock, sell it and buy what you would've bought with the $11k. That covers the "buy" and "...
by ruud
Tue May 10, 2016 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Should I hold on to my Apple stock?
Replies: 76
Views: 9051

Re: Should I hold on to my Apple stock?

If hypothetically instead of the Apple stock, you had $11,200 sitting in that account as cash, would you buy Apple stock with it? If so, hold on to it. If you wouldn't use the $11k to buy Apple stock, sell it and buy what you would've bought with the $11k.
by ruud
Thu Jul 08, 2010 9:22 pm
Forum: Investing - Theory, News & General
Topic: Invest before Friday
Replies: 16
Views: 3375

I suspect that the percentage of people who get paid on Fridays is falling as everything is more computerized and companies are trying to cut costs. My company used to pay us biweekly on every other Friday, but now they pay on the 1st and 15th (which can be as late as the 3rd and 17th, depending on...
by ruud
Wed Jun 02, 2010 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Expense ratio higher than yield on Vanguard money market?
Replies: 8
Views: 3643

The yield already takes the expense ratio into account.
by ruud
Thu Apr 29, 2010 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: POLL: Vanguard rebalancing/exchange screen
Replies: 15
Views: 1934

Interestingly, Vanguard *does* offer this feature for 401k plans (at least, mine has it).
by ruud
Mon Apr 19, 2010 8:52 pm
Forum: Personal Consumer Issues
Topic: Do you bring lunch to work or buy?
Replies: 122
Views: 14650

TheEternalVortex wrote:My company has free food, so I'm not sure where that fits into your poll.


Same here.
by ruud
Tue Apr 13, 2010 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card upgrade -- effect on credit history?
Replies: 5
Views: 1745

Credit card upgrade -- effect on credit history?

Hello, I received an offer to upgrade one of my current credit cards to a Visa Signature card. As part of the upgrade, the account number would change. My question is this: this card is currently my oldest open account. If the upgrade would be considered closing the old account and opening a new one...
by ruud
Tue Jan 19, 2010 5:50 pm
Forum: Personal Consumer Issues
Topic: Verizon FIOS Installation
Replies: 45
Views: 7782

kb0fhp wrote:I found a Cisco one new at NewEgg for $1.99:

http://www.newegg.com/Product/Product.a ... 6833124016

That device is a switch, not a router.

Ruud
by ruud
Mon Jan 18, 2010 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for a decent fund with little to no minimum
Replies: 20
Views: 2061

You appear to be very focused on dividends. Out of curiosity, why is that?

Ruud
by ruud
Tue Jan 12, 2010 9:40 pm
Forum: Personal Consumer Issues
Topic: Webcam images are crummy - what's the problem?
Replies: 3
Views: 702

Re: Webcam images are crummy - what's the problem?

Lbill wrote:(3) the fact that I use Sprint 3G wireless broadband, which is not as fast as cable broadband internet.

This is probably the reason. Can you post your results of a speed test, for example this one: http://www.dslreports.com/speedtest?flash=1
Your upload speed is particularly relevant.
by ruud
Fri Jan 08, 2010 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of domestic stock index fund do you use?
Replies: 48
Views: 6882

TSM, Small Value, REIT (roughly 65/20/15 relative to each other)
by ruud
Fri Jan 08, 2010 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: 2010 traditional ira to 2010 roth conversion possible?
Replies: 8
Views: 1867

If you already have both a Traditional IRA and a Roth IRA at Vanguard, you can simply exchange shares from the former to the latter to do the conversion (I did so earlier this week). If you don't have a Roth IRA yet, I believe you can open one online and specify the Traditional IRA as the funding so...
by ruud
Wed Jan 06, 2010 12:31 am
Forum: Investing - Help with Personal Investments
Topic: roth conversion mechanics
Replies: 2
Views: 765

roth conversion mechanics

hi, i am about to convert the Vanguard traditional IRA we made non-deductible contributions to the past 3 years to a Roth. (we don't have any deductible IRAs, so the amount of taxable income as a result is fairly small) i have a question about the mechanics of actually doing the conversion: i am und...
by ruud
Sun Jan 03, 2010 3:02 pm
Forum: Investing - Theory, News & General
Topic: 2008/2009 Personal Returns (thru the Great Recession)
Replies: 32
Views: 4500

my xirr over the 2008-2009 period was slightly positive (2.45%)

--ruud
by ruud
Fri Jan 01, 2010 10:19 pm
Forum: Investing - Theory, News & General
Topic: 2009 annual returns thread
Replies: 104
Views: 15563

aa 75/25, xirr 30.9%

--ruud
by ruud
Tue Dec 29, 2009 9:20 pm
Forum: Personal Consumer Issues
Topic: Transferring Money Overseas
Replies: 16
Views: 2487

tfb wrote:If you are not in a hurry, just mail a check.


depositing a check into a foreign bank account tends to be horribly expensive.

10 years ago i lived in europe and received a US check. my bank charged about $25 to deposit it into my account.
by ruud
Fri Dec 25, 2009 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Total International Market v. Individual International Funds
Replies: 12
Views: 2456

fwiw, my international allocation is 75% ftse all world ex-us and 25% ftse all world ex-us small cap.

(if vanguard had an internatioal small cap value index fund, i'd use that instead)

--ruud
by ruud
Wed Dec 23, 2009 8:59 pm
Forum: Investing - Theory, News & General
Topic: Contribute to TIRA on 1/4 and Immediately Convert to Roth?
Replies: 7
Views: 1225

I question strongly your desire to convert to Roth in the high tax bracket you are in? Don't you feel you will be in a lower tax bracket in retirement? Don't you feel a VAT might be imposed in lieu of income tax increases that double taxes you on the Roth money? wouldn't it still be better than a n...
by ruud
Wed Dec 23, 2009 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: vipsx
Replies: 5
Views: 1564

a whole bunch of funds had their distribution today: https://personal.vanguard.com/us/insigh ... s-12072009
by ruud
Wed Dec 23, 2009 4:02 pm
Forum: Personal Consumer Issues
Topic: Very basic html code question......
Replies: 6
Views: 1422

most webmail services block linking to external images.

--ruud
by ruud
Wed Dec 23, 2009 1:07 pm
Forum: Investing - Theory, News & General
Topic: Treasury MM yield down to 0.01%
Replies: 39
Views: 5287

Tramper Al wrote:Perhaps this may come up in 529 MMFs as well.

strangely enough, the vanguard 529 interest accumulation portfolio shows a yield of 0.81% (source)

--ruud
by ruud
Tue Dec 22, 2009 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: 2010 Roth Conversion question & 2011 impact
Replies: 6
Views: 1382

you can't separately convert pre or post tax dollars. Right, but that's not what was specified. If I read it right, the plan is to convert the total amounts of both TIRAs. from the link i posted: Q: What if I have more than one traditional IRA? Can I convert one but not the other? A: Yes, but when ...
by ruud
Tue Dec 22, 2009 5:08 pm
Forum: Investing - Theory, News & General
Topic: 50 Biggest Companies Dominate the S&P 500
Replies: 94
Views: 12082

an equal-weighted version of VTSMX (total stock market) would have to invest $34M ($116B / 3381) in every company listed on the stock market. that's more than the entire market cap of the some of the stocks it invests in. e.g., PTN has a market cap of just $26M. interestingly VTSMX holds just $2 wor...
by ruud
Tue Dec 22, 2009 4:36 pm
Forum: Investing - Theory, News & General
Topic: 50 Biggest Companies Dominate the S&P 500
Replies: 94
Views: 12082

there is one issue that nags me when i think about equal weighting: how do investors (or funds) who do equal weight "draw the line" at the number of companies to invest in? for example, if you'd have $10,000 to invest, do you invest $1000 each in the biggest 10 companies, or $500 in the bi...
by ruud
Tue Dec 22, 2009 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Converting traditional IRA to Roth
Replies: 9
Views: 1976

Re: Roth funding

Taylor Larimore wrote:In 2010, high income taxpayers (adjusted gross income (AGI) above $169,000) ARE allowed to contribute to a Roth IRA.

are you sure about this?
by ruud
Tue Dec 22, 2009 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: 2010 Roth Conversion question & 2011 impact
Replies: 6
Views: 1382

you can't separately convert pre or post tax dollars. from fairmark : Q: Can I convert just the nontaxable part, and leave the taxable part in my regular IRA? A: No, your conversion distribution will be treated as partly taxable and partly nontaxable, even if you try to roll only the nontaxable part...
by ruud
Mon Dec 21, 2009 2:55 pm
Forum: Investing - Theory, News & General
Topic: Treasury MM yield down to 0.01%
Replies: 39
Views: 5287

On a related note, what happened to the non-admiral version of this fund? from a vanguard press release : Vanguard has completed the merger of the $6.2 billion Vanguard Treasury Money Market Fund (VMPXX) into the lower-cost $20.2 billion Vanguard Admiral™ Treasury Money Market Fund (VUSXX), effecti...
by ruud
Fri Dec 18, 2009 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of credit union savings account interest
Replies: 12
Views: 2164

Also, money market mutual funds technically earn 'dividends' while generating 1099-INTs ER.....not so sure this is true.....I think you get 1099-DIV for money market funds. For bank money market accounts 1099-INT. but for tax-exempt money market funds you get a 1099-INT... go figure. --ruud
by ruud
Thu Dec 17, 2009 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: mortgage versus investment loan
Replies: 6
Views: 1136

i don't consider my mortgage to be an investment loan. i am not borrowing with the intent to make money from a real estate investment, i borrow so i can have a place to live. if it turns out when i sell my house down the road that i will have a profit, that's a nice bonus, but it's not why i got a m...
by ruud
Wed Dec 16, 2009 3:30 pm
Forum: Investing - Theory, News & General
Topic: fund equivalent to the EAFE index - avoid wash sale?
Replies: 8
Views: 1366

looks like VEU has about 24% emerging markets in it: https://personal.vanguard.com/us/funds/ ... IntExt=INT
by ruud
Wed Dec 16, 2009 3:17 pm
Forum: Investing - Theory, News & General
Topic: fund equivalent to the EAFE index - avoid wash sale?
Replies: 8
Views: 1366

keep in mind that VEU contains emerging markets, which the EAFE index doesn't contain, afaik.

--ruud
by ruud
Wed Dec 09, 2009 5:07 pm
Forum: Investing - Theory, News & General
Topic: TLH'ing Out Of Vanguard Total International Stock Index
Replies: 26
Views: 4550

All that IRS has to say about the issue can be found in the Wash Sale section of Publication 550. in addition, there is this bit in publication 564 : In determining whether the shares are substantially identical, you must consider all the facts and circumstances. Ordinarily, shares issued by one mu...
by ruud
Tue Nov 03, 2009 4:59 pm
Forum: Personal Consumer Issues
Topic: Saving money watching Monk on computer
Replies: 15
Views: 2330

Re: Saving money watching Monk on computer

Cody wrote:I have a relative new and fast Mac ibook G4 computer

the ibook G4 was discontinued in may 2006, so your computer is at least 3.5 years old. i would not consider that "relatively new". still, an ibook G4 should do decent video playback.

--ruud
by ruud
Wed Oct 28, 2009 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Closing on our First Home next week! What's next!?
Replies: 21
Views: 3088

Re: Closing on our First Home next week! What's next!?

(1) Upgrading the entire downstairs (1400 sq ft' ish) living, kitchen, and dining room w/ hard wood or laminate floors. Is this something possible a young newbie BUT eager learner could attempt? we just bought a house and replaced the carpet in the living room / hallway (~ 400 sqft combined) with a...
by ruud
Tue Oct 13, 2009 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: What's YOUR FinaMetrica "risk score?"
Replies: 96
Views: 13193

guessed 30, got 56...

--ruud
by ruud
Sat Oct 10, 2009 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Is there anyway to bypass IRA $5000 contribution limit?
Replies: 37
Views: 6640

Re: Is there anyway to bypass IRA $5000 contribution limit?

AndromedaAsc wrote:If my portfolio is going to have 4+ vanguard index funds, then it's going to take 4 years to set up one's portfolio.

after 3 years, you'll have 15k (assuming the market hasn't gone down), enough for 5 funds.

--ruud
by ruud
Thu Oct 08, 2009 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Can VG pull ACH transfer from online savings account?
Replies: 18
Views: 4676

tonythered wrote:I could not via EmigrantDirect or INGDirect in Feb 2008. I had to first transfer to a checking account. I don't know if that's changed.


in 2007, i had no problem pulling from my INGDirect "electric orange" account to vanguard.

--ruud
by ruud
Mon Sep 21, 2009 6:46 pm
Forum: Investing - Theory, News & General
Topic: Chance of US government bond default within 40 years?
Replies: 68
Views: 9526

there is a possibility (however remote) that the US would be forced to borrow in a different currency, at which point a default is possible.
by ruud
Sun Sep 20, 2009 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Dropped my LTC Insurance
Replies: 97
Views: 12451

J.Fred.Muggs wrote:With life insurance, if you are dead, you are dead. There is no wiggle room for interpretation about whether you are entitled to your claim.


they could deny the claim based on misrepresentation in the application (e.g., a non-disclosed medical condition).

--ruud
by ruud
Wed Sep 16, 2009 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Question - Purchase Fees at Vanguard
Replies: 8
Views: 2108

fishndoc wrote:A somewhat related miscellaneous bit of info: if you decide to do a conversion from your IRA to your Roth, you can just transfer funds from your IRA to your Roth, and there is no additional purchase fee levied.


does this work even if you do the conversion online?

--ruud

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