Search found 12 matches

by winger
Fri Mar 23, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting Timing
Replies: 4
Views: 548

Re: Tax Loss Harvesting Timing

On February 9th I sold 500 shares of VTI at a modest loss and purchased VOO. On March 1st I sold 50 shares of VTI at small loss and, again purchased VOO. Must I wait until April 1 to purchase any VTI or can I purchase VTI NOW based on the sale on February 9? If the latter, am I limited 500 shares? ...
by winger
Thu Feb 08, 2018 2:05 am
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 318
Views: 27838

Re: free dinner investing seminar

Reminds me of a book I read awhile back, https://www.amazon.com/Adventures-Free-Lunch-Junkie/dp/1460925912 Great read and the guy went to plenty of "free" meals. Couldn't get his wife to go tho. Like others, I've gone to a few of these where pressure was low, the topics at least mildly interesting a...
by winger
Tue Feb 23, 2016 1:20 am
Forum: Investing - Theory, News & General
Topic: Tax-Exempt Bonds in California?
Replies: 14
Views: 1788

Re: Tax-Exempt Bonds in California?

HSA accounts are tax advantaged accounts. You can hold a taxable bond fund in tax advantaged accounts and not worry about taxation of dividends. Not in California... Joel is correct. https://www.ftb.ca.gov/forms/2015/15_540bk.pdf From instructions for line 8: • Interest or other earnings earned fro...
by winger
Thu Sep 04, 2014 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Do I Even Need a Trust?
Replies: 31
Views: 2713

Re: Do I Even Need a Trust?

One of the advantages of putting your home in trust is that you can avoid probate. Depending on the value of your home, avoiding the probate fees may pay for the cost of an estate attorney. As others have stated, there are other reasons for estate planning beyond the trust and/or probate. http://www...
by winger
Sat Oct 26, 2013 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: What counts as "income" for PPACA subsidies?
Replies: 143
Views: 42310

Re: What counts as "income" for PPACA subsidies?

I see no mention of HSA contributions in this document. HSA contributions are reported on Form 8889. The Healthlaw document (pg 29 of the pdf) says that AGI is based on Form 1040. Refer to Appendix D for the 1040 form. Form 8889 would be used to determine if there is a HSA deduction allowed for the...
by winger
Tue Feb 12, 2013 3:49 pm
Forum: Investing - Theory, News & General
Topic: moving pre-tax money to after-tax for free?
Replies: 40
Views: 3597

Re: moving pre-tax money to after-tax for free?

... say we have 2 funds A and B both in pre-tax and ROTH account. A is winning, B is losing. we sell B, buy A in pre-tax sell A, buy B in Roth AA for funds A and B still kept the same after the transaction. ... In this case, you do have a reportable loss when you sell B. I do not believe that buyin...
by winger
Tue Jan 15, 2013 1:07 am
Forum: Personal Consumer Issues
Topic: DSL vs Cable
Replies: 37
Views: 3489

Re: DSL vs Cable

I've had both Comcast and ATT(or SBC) concurrently at the last two places I've lived. My experience is that while Comcast offers the greater bandwidth for the buck I find ATT to be the better choice for VOIP/streaming applications. Where I've lived, Comcast has more outages, ie no internet at all, a...
by winger
Sun Dec 23, 2012 11:59 am
Forum: Personal Finance (Not Investing)
Topic: ESPP sell strategy help
Replies: 7
Views: 1717

Re: ESPP sell stratey help

Might not be enough info here as the decision may also partly depend on your tax bracket and your company's ESPP rules. For ESPP, a couple things that may apply: 1. There is a difference between qualified and non-qualified ESPP sales. Depends on your plan what the distinction is, but the classificat...
by winger
Sat Sep 29, 2012 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: rollover from company 403B to Vanguard IRA
Replies: 7
Views: 1299

Re: rollover from company 403B to Vanguard IRA

I retired about a year ago and I just rolled over my 403B and 401K from previous employers to my (Schwab) IRA. As long as the money is a direct transfer from 403B or 401K to the IRA trustee, there are no immediate tax consequences. My 403B was from a previous employer from 10 years ago. I was conten...
by winger
Fri May 23, 2008 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio rebalance?
Replies: 2
Views: 968

Portfolio rebalance?

Hi All, Been reading the forums for a little over a year and really enjoy the discussions here. Thought it be a good opportunity for me to get your thoughts on my upcoming rebalance. I have a checkup financial plan with Vanguard upcoming as well. Background: Up until a year ago, I gave little though...
by winger
Fri May 23, 2008 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: former employer 401k to VG IRA---to co-mingle or not?
Replies: 33
Views: 6607

Please explain 5 yr clock Thank You from Taylor's post: there is a link to the irs pub (sorry can't post direct links yet, scroll up for the clickable versoin) Figure 2-1 is a flow chart of qualified distributions from a roth ira. The first box seems to require that it must be at least 5 years from...
by winger
Fri May 23, 2008 11:24 am
Forum: Investing - Help with Personal Investments
Topic: former employer 401k to VG IRA---to co-mingle or not?
Replies: 33
Views: 6607

But your good news is since you think you will have a lower tax rate in retirement anyway, it's a no-brainer to keep the TIRA and not convert to a Roth. JW I started funding non-deductible IRAs a few years ago when I first heard about the 2010 income exemption for converions. I'd also been covertin...