Search found 749 matches

by exigent
Sun Dec 12, 2010 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: cost basis method - please help
Replies: 16
Views: 1786

IF you get audited, deal with the mistake then. If you are racked with guilt - make a $3 error in their favor on your next return. Nope, no guilt here. I just want to be sure I don't do a bunch of TLH and then, for example, get audited and told that I have to do avg basis due to an old mistake and ...
by exigent
Sun Dec 12, 2010 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: cost basis method - please help
Replies: 16
Views: 1786

dbr wrote:If my theory is correct, you haven't done average basis. You have submitted a FIFO method with slightly incorrect data. You could ask a tax accountant or a tax attorney for an opinion. Heck, you could even ask the IRS.
Yes, I think your description of what happened is correct.
by exigent
Sun Dec 12, 2010 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: cost basis method - please help
Replies: 16
Views: 1786

Ugh. This is so frustrating b/c the difference is so small. For example, in 2005 I sold $6000 worth of shares and reported the basis at $5315.22 when in reality the basis should have been $5293.65 -- just $21.57 lower. While I don't want to screw up my ability to do specific ID in the future, I'd al...
by exigent
Sun Dec 12, 2010 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: cost basis method - please help
Replies: 16
Views: 1786

Ahh, yes. I see that now. (re: the lack of cost basis reporting on 1099-B) Let me pose the question another way... If I didn't specifically declare that I was using average basis, and I didn't take steps to specifically identify the lot to be (partially) sold, then would this default to FIFO? I ask ...
by exigent
Sun Dec 12, 2010 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: cost basis method - please help
Replies: 16
Views: 1786

From the 2009 instructions: "If you are reporting an average basis, include "AVGB" in column (a) of Schedule D." I did not do this in 2005, though I think that I actually did use the average basis -- presumably I just went with whatever was reported on my 1099-B. Still digging for the 2004 paperwork...
by exigent
Sun Dec 12, 2010 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: cost basis method - please help
Replies: 16
Views: 1786

Hi livesoft, I just looked at my 2005 Schedule D (this is for the second sale, still digging for my 2004 paperwork) and I don't see anything on either page where I say anything about how the cost basis was figured. It just reports proceeds, cost basis, and then the difference (which is a small lt ca...
by exigent
Sun Dec 12, 2010 2:34 pm
Forum: Forum Issues and Administration
Topic: Amazon Referral Fees and Donations Report
Replies: 75
Views: 7379

I'm curious as to what goes into that $400/month in costs. Is that all for web hosting? If so, it seems rather steep - though I really have no idea what sort of traffic/server load this site generates. Regardless of the cost, I have found this site to be invaluable, and just wanted to say thanks to ...
by exigent
Sun Dec 12, 2010 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: cost basis method - please help
Replies: 16
Views: 1786

cost basis method - please help

I've been catching up on some record keeping and spent part of last night creating a cost basis spreadsheet for our taxable Vanguard mutual fund holdings. We've built a fairly substantial position in Total Stock Market (now converted to Admiral shares) and I wanted to get a better handle on things s...
by exigent
Mon Aug 23, 2010 9:30 am
Forum: Personal Consumer Issues
Topic: Fitness - what works for you?
Replies: 231
Views: 39462

Earlier this year I started running regularly (for the first time in my life). When I run, it's usually in the 3-5 mile range. I also row and use the elliptical for a total of 4-5 reasonably intense cardio workouts of 40-60 minutes each per week. Beyond that, I made two changes to my diet: (1) I try...
by exigent
Sat Aug 14, 2010 9:20 am
Forum: Personal Finance (Not Investing)
Topic: I love credit scores
Replies: 30
Views: 4289

All I know is that my credit score dropped about 20 points when we paid off our mortgage. Whatever, it's still plenty high.
by exigent
Fri Aug 13, 2010 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Transfers to Vanguard:
Replies: 13
Views: 2617

I wish we could consolidate everything at Vanguard, but we have some pesky employer plans that don't offer Vanguard as an option. At least the alternative is Fidelity, so it's not too bad.
by exigent
Thu Aug 05, 2010 9:41 pm
Forum: Personal Consumer Issues
Topic: iPhone 4: Is call dropping exaggerated?
Replies: 25
Views: 3393

Super high quality everything, and the camera has come to replace my point and shoot now that its 5megs. The photography apps are very impressive and make it a lot of fun. This is the main attraction for me right now. I have a 3Gs, but the camera is a little bit... Meh. Having higher res and a flas...
by exigent
Thu Aug 05, 2010 8:45 am
Forum: Investing - Theory, News & General
Topic: [Lack of] Auto-rebalancing tool at Vanguard
Replies: 70
Views: 19339

Re: Auto-rebalancing tool at Vanguard

Do you think if we complain loud enough that Vanguard will implement an auto-rebalancing tool, at least for IRA's? Knowing how Vanguard operates, I don't think it's going to happen. Vanguard accounts don't have a cash position. Auto rebalance will have you sell some funds and buy others. A sell in ...
by exigent
Thu Aug 05, 2010 8:44 am
Forum: Investing - Theory, News & General
Topic: [Lack of] Auto-rebalancing tool at Vanguard
Replies: 70
Views: 19339

It would also be a disaster for many investors (?) pushing the rebalancer/fee generator button for fun every other day, staring at the indicators going up and down. -- Tet Not sure I understand the concern here. Isn't this essentially what Target Date funds do? They rebalance more or less continuou...
by exigent
Thu Aug 05, 2010 8:37 am
Forum: Investing - Help with Personal Investments
Topic: AA | 50/50 Or 30 bonds/70 stocks
Replies: 12
Views: 2520

livesoft wrote:You don't have to decide. Just pick the point half-way:
40% bonds, 60% equities. Done.
Great answer. :-)
by exigent
Thu Aug 05, 2010 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Kids "sharing" a 529 account?
Replies: 21
Views: 3058

I looked into this once awhile back. I can't remember the exact details, but you should be able to use a single account for now and then later split it. IIRC, you would do a partial "rollover" (or whatever the proper term would be in this case - transfer?) to another plan, and then change the benefi...
by exigent
Mon Aug 02, 2010 9:42 pm
Forum: Personal Consumer Issues
Topic: What's your extravagance?
Replies: 98
Views: 12751

I can rationalize just about anything. :-)

I'd have to say that my biggest extravagances are my iPhone and travel. Not necessarily in that order.
by exigent
Mon Aug 02, 2010 9:40 pm
Forum: Personal Consumer Issues
Topic: iPhone 4: Is call dropping exaggerated?
Replies: 25
Views: 3393

My best guess is that there are problems, but that it's overblown. I also think that your experience with AT&T's network is likely to vary widely based on where you live. Around here, it's been great, but we're in a semi-rural locale in old Bell South (Cingular) territory. Thus, our per capita cover...
by exigent
Mon Aug 02, 2010 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: SEP to Solo 401(k) Rollover Worth It? (for Roth Conversion)
Replies: 4
Views: 1823

My situation is somewhat complex, so I'll just say this... I don't stand to gain anything in the way of being able to contribute more with a Solo 401(k) vs. a SEP-IRA. I'm also not overly concerned about the reduced access to the funds (barring plan termination), though your points are well taken. R...
by exigent
Mon Aug 02, 2010 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: So is now a good time to invest in real estate?
Replies: 8
Views: 1675

To me, the question is not whether or not lenders are being generous, but whether or not the market has bottomed (or nearly so). Unfortunately, I don't know the answer to that.
by exigent
Mon Aug 02, 2010 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Best individual/solo/self-employed 401k provider
Replies: 18
Views: 7036

Assuming you're correct that Vanguard doesn't allow regular to Solo rollovers, I believe that they *do* allow Solo to Solo rollovers, so you could do a two-step involving a rollover to a Solo at (say) Fidelity, then roll it again to Vanguard. Extra hassle, but gets it done.
by exigent
Mon Aug 02, 2010 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: SEP to Solo 401(k) Rollover Worth It? (for Roth Conversion)
Replies: 4
Views: 1823

SEP to Solo 401(k) Rollover Worth It? (for Roth Conversion)

Quick (but rather specific) opinion question for the masses... We are above the income limits for Roth IRA contributions, but could do the contribute & convert game. The main sticking point is a fairly sizable SEP-IRA that is entirely composed of pre-tax dollars. Thus, making non-deductible traditio...
by exigent
Mon Jun 21, 2010 9:22 am
Forum: Personal Finance (Not Investing)
Topic: If I listened to Dave Ramsey
Replies: 194
Views: 28234

Regarding the "significant data" that those with credit cards spend more than those without, Ramsey has been saying this for years, but it's virtually impossible to dig up the original data that he bases this on. More recently, I've seen a few studies that tackle the subject, but there are so many c...
by exigent
Mon Jun 21, 2010 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Who here Likes HOAs?
Replies: 24
Views: 3265

I can see the value of an HOA in theory, but my personal experience has been that they can be a pain in the butt with minimal added value. The problem, as I see it, as those in charge typically end up being people who seek out the position because they desire authority. This is often a recipe for di...
by exigent
Sun Jun 20, 2010 9:08 pm
Forum: Investing - Theory, News & General
Topic: Is it worth it to tax-loss harvest?
Replies: 27
Views: 4242

Correct me if I'm wrong, but the loss will first be used to offset taxable gains (if any), so it could be worth more like 15% x $5000 = $750 (not including state). Right?
by exigent
Sun Jun 20, 2010 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: My house "lost" some square footage
Replies: 18
Views: 4336

We had the opposite happen. When we bought our house, the builder listed it as being X feet. When we checked the tax records, it was X + 120 sq. ft. The difference was that the builder was measuring the inside room dimensions and adding them up while the tax assessors worked off of exterior dimensio...
by exigent
Wed Jun 16, 2010 2:13 pm
Forum: Personal Consumer Issues
Topic: How to remove Thompson water seal
Replies: 7
Views: 7960

My past experiences with Thompson's would suggest that just waiting for six or so months after application should be enough for the seal to degrade and go away on its own. I wonder if this is really Thompson's, or something better? Regardless, I would look into pressure washing, perhaps in combinati...
by exigent
Wed Jun 16, 2010 1:37 pm
Forum: Investing - Theory, News & General
Topic: Why don't you use ETFs?
Replies: 29
Views: 3736

I like buying round dollar amounts instead of a set # of shares. Also, mutual funds meet my needs so I gain nothing by switching (esp when Admiral shares are in the mix).
by exigent
Wed Jun 09, 2010 4:01 pm
Forum: Personal Consumer Issues
Topic: AT&T Coverage Fix
Replies: 21
Views: 3106

We ended up leaving Sprint in favor of AT&T because we couldn't get a decent Sprint signal at our house without buying one of these femtocells. With AT&T we get great coverage (unlike many others have reported) without having to resort to special gadgets.
by exigent
Mon Jun 07, 2010 10:02 pm
Forum: Personal Consumer Issues
Topic: Hotel Idea in Washington DC
Replies: 20
Views: 3359

I've stayed at the Melrose and the River Inn, which are both near GWU, sort of between the White House and Georgetown. Good restaurants in walking distance, just a couple blocks to GW Metro stop, and can walk to White House (8-10 blocks). Alternatively, we stayed out in Alexandria at the Old Town Em...
by exigent
Thu Jun 03, 2010 9:41 am
Forum: Investing - Theory, News & General
Topic: P..
Replies: 37
Views: 4179

I'm wandering slightly off topic here, but I have a different take on the savings bond purchase limit (vs. what Mel suggested in his excellent Forbes column). It seems likely to me that they instituted the limit because they want to limit your ability to break and re-buy bonds if/when the fixed rate...
by exigent
Sun May 23, 2010 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of Dividends after 2010
Replies: 8
Views: 1569

When does the 3.4% healthcare-related tax kick in?

Edit to add: Found it. It's 3.8% and will go into effect in 2013. Great summary from Tax Foundation here.
by exigent
Fri May 21, 2010 8:06 am
Forum: Personal Consumer Issues
Topic: New Tires. Rotation query.
Replies: 40
Views: 7889

I rotate my tires at every 3rd oil change...so that's about every 9,000 - 10,000 miles. It's just easier to remember that way. Moderately off topic here, but... Wow. You sure change your oil frequently. Does your owner's manual recommend every 3k? Or are you just going on the standard 3k that all t...
by exigent
Thu May 20, 2010 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Closed Mortgage Not Showing Up on Credit Report
Replies: 4
Views: 1427

When we paid off our mortgage, our credit score dipped a bit. Of course, we didn't have that 120 day late payment so its a bit of apples and oranges to compare.
by exigent
Wed May 19, 2010 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Pros and Cons of paying off mortgage..
Replies: 207
Views: 39672

All I can say is: we paid off our mortgage and have never regretted it.
by exigent
Wed May 19, 2010 8:50 pm
Forum: Investing - Theory, News & General
Topic: A Real Hoot - Chinese Version of The Bogleheads' Guide
Replies: 42
Views: 10627

You better rush out and register bogleheads.cn :)
by exigent
Sun May 16, 2010 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage rates in free fall and i'm locked in, any help?
Replies: 36
Views: 5871

If it were me, I would just call (or drop in, if at all possible) and ask. The worst they can do is say no. If they won't budge, I would just sit tight - comfortable in the knowledge that I got a historically great deal.
by exigent
Sat May 15, 2010 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: is there a reason to switch a Bank of America CA acct to TX?
Replies: 26
Views: 3819

I would recommend biting the bullet and making the change simply because local banks in Texas will most likely treat your checks as out of state, and they will thus take longer to clear (or at least for the funds to be made available to the payee). Likewise, when you deposit a check drawn on a Texas...
by exigent
Sat May 15, 2010 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Why the big deal with ETFs? Are mutual funds going away?
Replies: 72
Views: 9662

To me, ETFs aren't worth the trade off. Sure, the expense ratios are marginally lower that regular Vanguard funds. They are, however, on par with Admiral shares (for funds where those are available). The big (HUGE) downside for me is the inability to invest automatically. I'll just stick with mutual...
by exigent
Fri May 14, 2010 9:12 pm
Forum: Personal Consumer Issues
Topic: Are you planning to Watch FIFA Worldcup 2010?
Replies: 97
Views: 9606

Heck yeah, we love soccer!
by exigent
Wed May 12, 2010 7:59 pm
Forum: Personal Consumer Issues
Topic: How often do you dry clean your suits?
Replies: 26
Views: 6156

Hmm. I don't even own a suit.
by exigent
Wed May 12, 2010 12:31 pm
Forum: Personal Consumer Issues
Topic: tree overhang
Replies: 24
Views: 4796

p14175: You should've sprayed the hell out of it with RoundUp when it was cut back and just starting to regenerate. Just after flowering is another good time to hit it. It will likely take repeated applications, so you'll have to be persistent. Of course, it's a losing battle if you don't take out t...
by exigent
Tue May 11, 2010 1:50 pm
Forum: Personal Consumer Issues
Topic: Historic flooding in Nashville
Replies: 12
Views: 2133

Okay, nobody took me up on my request to post this link, but now I can do it myself. :)

Here's a rundown of ways you can help complete with links where appropriate:

http://nashvillest.com/2010/05/03/so-na ... an-i-help/
by exigent
Tue May 11, 2010 1:44 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing based on bands
Replies: 15
Views: 5212

Rebalancing based on bands

For those of you that rebalance based on percentage bands, how exactly do you implement this. Let's say, for example, that someone has a 60/40 stock bond allocation (without getting into nuances within those classes). Let's further say that they want to rebalance any time it gets at least 10% out of...
by exigent
Tue May 11, 2010 1:33 pm
Forum: Personal Consumer Issues
Topic: tree overhang
Replies: 24
Views: 4796

Maybe it's just me, but I don't see why there's a fuss over this. If your tree was overhanging my property, I'd just pick up the leaves and limbs. If the situation was reversed, and my neighbor threw leaves and limbs from my tree back over the fence, I'd just pick them up and dispose of them. Yes, i...
by exigent
Mon May 10, 2010 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: How does your credit card handle an unusual transaction?
Replies: 37
Views: 4635

I've had banks put a fraud hold on a card if we deviated drastically from our "normal" spending pattern. Just had to call and answer a few questions. Inconvenient, but I understand why they do it.
by exigent
Mon May 10, 2010 1:12 pm
Forum: Personal Consumer Issues
Topic: OT: water heater replacement quote.
Replies: 39
Views: 8133

We had a Kenmore 40 gallon electric "lowboy" with a 9 year warranty installed in our crawl space this winter. I forget the details, but it was somewhere in the $700 range.
by exigent
Sat May 08, 2010 8:08 pm
Forum: Personal Consumer Issues
Topic: Do you keep a fuel / mileage log?
Replies: 19
Views: 2658

I use an online service called Fuelly (it's a free website) via my iPhone before I pull away from the pump. This is really just for my amusement. I can't imagine the data actually being useful at re-sale.
by exigent
Fri May 07, 2010 9:15 am
Forum: Personal Consumer Issues
Topic: Historic flooding in Nashville
Replies: 12
Views: 2133

I've actually seen a good bit of press coverage, but we live in the southeast. However, we used to live in Nashville (and our old neighborhood in Bellevue got flooded) so I've probably been more in tune to it than the avg person. There is a good post at nashvillest dot com on how to help with the re...