Search found 1453 matches

by samsoes
Tue Mar 17, 2020 11:27 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9388
Views: 750730

Re: U.S. stocks continue to soar!

bump.
by samsoes
Sat Mar 14, 2020 10:04 am
Forum: Investing - Theory, News & General
Topic: Estimated state tax payments
Replies: 2
Views: 223

Re: Estimated state tax payments

US citizen. Became Michigan resident 1/20/2020 (from Canada). Michigan states it follows IRS guidelines for estimated tax requirement: 90% of your current year's tax liability, or 100% of your previous year's tax liability, or 110% of your previous year's tax liability if your previous year's adjus...
by samsoes
Thu Mar 12, 2020 9:54 am
Forum: Personal Investments
Topic: VG/Schwab March estimated dividends
Replies: 12
Views: 843

Re: VG/Schwab March estimated dividends

Curious what you do with this info? Planning. I need to show targeted quarterly income for ACA purposes, in-line with the quarterly income targets I provided during enrollment. (State-run exchange requires documentation in order to qualify on an ongoing basis for Premium Tax Credits and Cost Sharin...
by samsoes
Wed Mar 11, 2020 3:46 pm
Forum: Personal Investments
Topic: VG/Schwab March estimated dividends
Replies: 12
Views: 843

Re: VG/Schwab March estimated dividends

I don't know about Schwab, but Vanguard posts (check back for updates): https://investornews.vanguard/estimated-supplemental-fund-distributions/ Thanks, dh, but that link isn't it (I ran across it in my searches). It refers to supplemental distributions from last year. (SCHB isn't on the list.) The...
by samsoes
Tue Mar 10, 2020 7:29 pm
Forum: Personal Investments
Topic: Could EE bonds doubling time increase?
Replies: 5
Views: 592

Re: Could EE bonds doubling time increase?

Treasury can do whatever they want regarding yet-to-be-purchased EE bonds. Currently held bonds, no.

In all likelihood, since most folks don't hold EE bonds for the full 20 years, no changes will be made.
by samsoes
Tue Mar 10, 2020 7:05 pm
Forum: Forum Issues and Administration
Topic: Did I break the forum?
Replies: 4
Views: 1279

Re: Did I break the forum?

dratkinson wrote: Tue Mar 10, 2020 6:57 pm ^^^ Firefox v2.
Firefox v2 :?: Shocking that still works. I'm on Firefox v73.0.1.
by samsoes
Tue Mar 10, 2020 6:27 pm
Forum: Personal Investments
Topic: VG/Schwab March estimated dividends
Replies: 12
Views: 843

Re: VG/Schwab March estimated dividends

Curious what you do with this info? Planning. I need to show targeted quarterly income for ACA purposes, in-line with the quarterly income targets I provided during enrollment. (State-run exchange requires documentation in order to qualify on an ongoing basis for Premium Tax Credits and Cost Sharin...
by samsoes
Tue Mar 10, 2020 9:37 am
Forum: Personal Investments
Topic: VG/Schwab March estimated dividends
Replies: 12
Views: 843

Re: VG/Schwab March estimated dividends

Bump, thanks.
by samsoes
Mon Mar 09, 2020 8:27 pm
Forum: Personal Investments
Topic: VG/Schwab March estimated dividends
Replies: 12
Views: 843

Re: VG/Schwab March estimated dividends

Curious what you do with this info? Planning. I need to show targeted quarterly income for ACA purposes, in-line with the quarterly income targets I provided during enrollment. (State-run exchange requires documentation in order to qualify on an ongoing basis for Premium Tax Credits and Cost Sharin...
by samsoes
Mon Mar 09, 2020 8:03 pm
Forum: Personal Investments
Topic: VG/Schwab March estimated dividends
Replies: 12
Views: 843

VG/Schwab March estimated dividends

Hi folks, (trying to ignore the turbulence), does anyone know if Vanguard and Schwab have posted estimated March quarterly dividends for ETF's? Specifically VTI/VXUS/SCHB. These estimates are increasingly difficult to find.
Thanks!
by samsoes
Sun Mar 08, 2020 8:01 am
Forum: Personal Consumer Issues
Topic: How to strengthen my immune system
Replies: 4
Views: 835

Re: How to strengthen my immune system

Is there a question here?
by samsoes
Sun Mar 08, 2020 6:50 am
Forum: Personal Finance (Not Investing)
Topic: What USPS “Snail Mail” Option Do You Recommend for Tax Return?
Replies: 57
Views: 3150

Re: What USPS “Snail Mail” Option Do You Recommend for Tax Return?

Slap a stamp on the envelope, drop it in the mailbox, and then forget about it. Taxes done!
by samsoes
Wed Mar 04, 2020 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Error
Replies: 10
Views: 928

Re: Turbotax Error

JBTX wrote: Wed Mar 04, 2020 6:30 pm It's really not fair to post it has an error if you are unwilling to describe the alleged error.
Agree, wholeheartedly.
by samsoes
Wed Mar 04, 2020 1:50 pm
Forum: Investing - Theory, News & General
Topic: Would this be considered a wash sale? Selling an ETF for a loss and then buying one of the ETF's component stocks
Replies: 48
Views: 2225

Re: Would this be considered a wash sale? Selling an ETF for a loss and then buying one of the ETF's component stocks

Folks, keep in mind that the words substantially identical means identical in substance . If they are not identical in substance (made of the identical -- exact same -- stuff), they are not substantially identical. There are only two words. Doesn't leave much room for interpretation. (Just my 2 cen...
by samsoes
Tue Mar 03, 2020 9:18 pm
Forum: Personal Investments
Topic: it's better to do Roth conversion in a down market ?
Replies: 31
Views: 2823

Re: it's better to do Roth conversion in a down market ?

vipertom1970 wrote: Tue Mar 03, 2020 2:07 pm thank you all, did my first 40K conversion today and got another 22 years to do it.
Congratulations! :beer
by samsoes
Tue Mar 03, 2020 8:19 am
Forum: Investing - Theory, News & General
Topic: Would this be considered a wash sale? Selling an ETF for a loss and then buying one of the ETF's component stocks
Replies: 48
Views: 2225

Re: Would this be considered a wash sale? Selling an ETF for a loss and then buying one of the ETF's component stocks

Folks, keep in mind that the words substantially identical means identical in substance . If they are not identical in substance (made of the identical -- exact same -- stuff), they are not substantially identical. There are only two words. Doesn't leave much room for interpretation. (Just my 2 cent...
by samsoes
Tue Mar 03, 2020 7:14 am
Forum: Personal Investments
Topic: it's better to do Roth conversion in a down market ?
Replies: 31
Views: 2823

Re: it's better to do Roth conversion in a down market ?

Just be careful in the high volatility we are experiencing right now. If you are trying to time the market by converting at a low, you may have to buy back in (once converted) when the market has risen. why is that , I will only be converting around 43K to stay in the 13% bracket ? If you convert s...
by samsoes
Mon Mar 02, 2020 6:47 pm
Forum: Personal Investments
Topic: it's better to do Roth conversion in a down market ?
Replies: 31
Views: 2823

Re: it's better to do Roth conversion in a down market ?

Yes, definitely. You'll be converting and paying tax on shares which are "on sale." You can convert more shares to reach your dollar conversion goal for which you'll pay less income tax per share than you would have a month ago. :moneybag (Bonus points if you have a state income tax.) These addition...
by samsoes
Thu Feb 27, 2020 6:19 pm
Forum: Investing - Theory, News & General
Topic: who is worried and feels like selling stocks?
Replies: 254
Views: 19173

Re: Who else has sold? If you haven't do you have Plan B?

Right now I'm feeling pretty good about selling on Tuesday (although it would have been better a few days prior). https://www.bogleheads.org/forum/viewtopic.php?f=1&t=304931&p=5044858#p5044858 I suspect that we aren't the only ones who sold. We went to Costco on Tuesday. The market was down a coupl...
by samsoes
Thu Feb 27, 2020 3:54 pm
Forum: Investing - Theory, News & General
Topic: who is worried and feels like selling stocks?
Replies: 254
Views: 19173

Re: who is worried and feels like selling stocks?

"Remember, they aren't taking your shares. Only some of the value is going down." :) one poster mentioned that in his lengthy response. it made me smile and believe in america again things will turn around eventually and the 'value' of those cheap stocks will go up again Whoever is worried and feel...
by samsoes
Wed Feb 26, 2020 1:36 pm
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13941

Re: Do you ever use cash?

Only three kinds of people use cash: Old fashioned people who can't change their habits Paranoid people who think cash is more secure People who fear their spending would go wild with credit cards I can't decide, call me old-fashioned? Our kids put their cash in the collection basked at Church on S...
by samsoes
Fri Feb 21, 2020 7:22 pm
Forum: Personal Investments
Topic: Has Vanguard deteriorated?
Replies: 114
Views: 10011

Re: Has Vanguard deteriorated?

...the whole Vanguard website and computer systems seem outdated. No one knows what upper management's intentions are... ...Vanguard's particular approach to IT which is not as focused on user experience as some other companies... All I can say about IT is that it wasn't Vanguard's website that sho...
by samsoes
Fri Feb 21, 2020 5:45 pm
Forum: Personal Investments
Topic: Has Vanguard deteriorated?
Replies: 114
Views: 10011

Re: Has Vanguard deteriorated?

Vanguard ETFs now trade commission-free at Schwab (and elsewhere). A win-win, the best of both worlds.
by samsoes
Fri Feb 21, 2020 5:34 pm
Forum: Personal Consumer Issues
Topic: Laptop becomes comatose
Replies: 24
Views: 2026

Re: Laptop becomes comatose

I'd go into power and sleep and change all screen and sleep settings to never. Try that a few days and see if you still have a problem. If not then it is obviously something related to those. I permanently set sleep and hibernate settings to "never." It's a security risk on a Bitlocker-encrypted ma...
by samsoes
Sun Feb 16, 2020 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question
Replies: 21
Views: 1408

Re: Tax Question

Mostly W2 income or are you getting dividends, interest, capital gains, self employment, etc? It's mostly W2 income. I think the only thing (outside of regular raises) that is different lately has been my spouse's bonuses and selling RSUs but I believe they are taxed at receipt? When figuring taxes...
by samsoes
Sat Feb 15, 2020 2:06 pm
Forum: Personal Consumer Issues
Topic: How long to obtain Vital Records?
Replies: 14
Views: 769

Re: How long to obtain Vital Records?

DTalos wrote: Sat Feb 15, 2020 1:50 pm
UpperNwGuy wrote: Sat Feb 15, 2020 1:34 pm Which governmental entity?
Not going to reveal which state or county vital records department is handling my request, but just wanted to ask others how long it has taken them in their experience.
Ok, then.
by samsoes
Fri Feb 14, 2020 7:30 pm
Forum: Personal Investments
Topic: Horrible Experience with Vanguard [Login account security]
Replies: 163
Views: 11172

Re: Horrible Experience with Vanguard

I tried to access my online Vanguard account and the site did not recognize my computer. Apparently when I received a Windows update last night, my cookies were deleted. To make matters worse, I moved and changed my phone number on my account over a year ago. However, the phone number for getting a...
by samsoes
Fri Feb 14, 2020 6:03 am
Forum: Personal Investments
Topic: Switching from mutual funds to ETFs for tax reasons?
Replies: 10
Views: 1470

Re: Switching from mutual funds to ETFs for tax reasons?

OP, don't forget about dividend distributions. They are separate and distinct from capital gain distributions. Dividend distributions will be there regardless (ETF or MF).
by samsoes
Tue Feb 11, 2020 8:34 pm
Forum: Personal Investments
Topic: Vanguard vs Schwab - customer service
Replies: 34
Views: 2726

Re: Vanguard vs Schwab - customer service

It's kind of like asking you to choose between your kids. Sure, if you always have one kid's attention, he listens to what you have to say, obeys your rules, and always tells the truth. And the other doesn't hear a word you say while you are speaking to him, you can never get to attention, never re...
by samsoes
Tue Feb 11, 2020 6:42 am
Forum: Personal Consumer Issues
Topic: Microsoft Money Would Not Open This Morning...Windows 10
Replies: 6
Views: 696

Re: Microsoft Money Would Not Open This Morning...Windows 10

Has Windows 10 updated itself in any fashion since the last time Money functioned? If you, try rolling-back that particular update.
by samsoes
Mon Feb 10, 2020 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Fraudulent credit application blocked by freeze - should I worry?
Replies: 22
Views: 1943

Re: Fraudulent credit application blocked by freeze - should I worry?

Should you worry? What good does worrying ever do?
The correct question to ask is, "should I take action as a result?"
by samsoes
Mon Feb 10, 2020 1:33 pm
Forum: Personal Investments
Topic: 2020 Roth before 2019 conversion
Replies: 4
Views: 280

Re: 2020 Roth before 2019 conversion

Are you referring to a "re-characterization" (dollars already in a Roth -> non-deductible Traditional IRA)?

Roth "conversions" refer to deductible IRA -> Converted Roth (triggering a taxable event), and must be done by 12/31 of the tax year of record.
by samsoes
Fri Feb 07, 2020 10:15 am
Forum: Personal Investments
Topic: Tax question regarding my minor son
Replies: 36
Views: 1648

Re: Tax question regarding my minor son

Let the kid file Federally and document his income. He'll then be able to open a Roth IRA for 2019 and invest the $3000 earnings at an incredibly early age. (Or, you can fund it for him to that amount.) It is unnecessary to file a tax return to establish proof of IRA compensation. A W-2 is more tha...
by samsoes
Fri Feb 07, 2020 9:21 am
Forum: Personal Investments
Topic: Tax question regarding my minor son
Replies: 36
Views: 1648

Re: Tax question regarding my minor son

Let the kid file Federally and document his income. He'll then be able to open a Roth IRA for 2019 and invest the $3000 earnings at an incredibly early age. (Or, you can fund it for him to that amount.)
by samsoes
Wed Feb 05, 2020 5:36 pm
Forum: Personal Consumer Issues
Topic: Can’t reach my doctor
Replies: 8
Views: 1362

Re: Can’t reach my doctor

Always take a doctor's phone call when you are dealing with something acute, meeting or not. Warn the folks in the meeting -- before it starts -- that you may need to step away for a few minutes to deal with an urgent matter.
by samsoes
Wed Feb 05, 2020 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: 22 year old - Should I focus more on saving for a house or retirement?
Replies: 41
Views: 3283

Re: 22 year old - Should I focus more on saving for a house or retirement?

chocoyogurt wrote: Tue Feb 04, 2020 1:28 am
- It’s dope to have a cool house
Dope? Does that mean Groovy?
by samsoes
Wed Feb 05, 2020 2:36 pm
Forum: Non-US Investing
Topic: Capital Gains Tax - Can I omit paying it by moving to a capitals gains tax free country?
Replies: 45
Views: 3389

Re: Capital Gains Tax - Can I omit paying it by moving to a capitals gains tax free country?

No. The OP is neither a US citizen or resident, as stated in the first post in this thread. No US federal income tax avoidance issue, then. Then why move countries in the first place? (See title of thread.) To avoid another (non-US) country's capital gains tax? The US is not the only country on the...
by samsoes
Wed Feb 05, 2020 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax 2019 Premier Edition Questions
Replies: 3
Views: 395

Re: TurboTax 2019 Premier Edition Questions

For the last decade I have used TurboTax Deluxe edition software for my Federal and State taxes as my situation was quite simple. I only had a W2 from work as income and mortgage interest as a deduction. For 2019 it got a whole lot more complicated. - I have a W2 from work and a 1099G for 6 months ...
by samsoes
Wed Feb 05, 2020 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax 2019 Premier Edition Questions
Replies: 3
Views: 395

Re: TurboTax 2019 Premier Edition Questions

For the last decade I have used TurboTax Deluxe edition software for my Federal and State taxes as my situation was quite simple. I only had a W2 from work as income and mortgage interest as a deduction. For 2019 it got a whole lot more complicated. - I have a W2 from work and a 1099G for 6 months ...
by samsoes
Wed Feb 05, 2020 1:53 pm
Forum: Non-US Investing
Topic: Capital Gains Tax - Can I omit paying it by moving to a capitals gains tax free country?
Replies: 45
Views: 3389

Re: Capital Gains Tax - Can I omit paying it by moving to a capitals gains tax free country?

Would you really move countries to save taxes? Lots of people move from one US state to another to save taxes. Why would moving between countries instead be any different? The barrier to moving may be higher in some cases, but if it is, it is not usually insurmountable. Moving from one state to ano...
by samsoes
Wed Feb 05, 2020 1:35 pm
Forum: Non-US Investing
Topic: Capital Gains Tax - Can I omit paying it by moving to a capitals gains tax free country?
Replies: 45
Views: 3389

Re: Capital Gains Tax - Can I omit paying it by moving to a capitals gains tax free country?

Would you really move countries to save taxes? Lots of people move from one US state to another to save taxes. Why would moving between countries instead be any different? The barrier to moving may be higher in some cases, but if it is, it is not usually insurmountable. Moving from one state to ano...
by samsoes
Sat Jan 25, 2020 10:03 am
Forum: Personal Consumer Issues
Topic: Google Voice number- no privacy with personal info??
Replies: 26
Views: 2159

Re: Google Voice number- no privacy with personal info??

I use TextNow for such situations where I don't want to be subjected to future telemarketing calls. They don't require any personal information to setup and maintain a phone number. TextNow does require an email address, but you can use an alternate one of those as well. (Yes, you can make and recei...
by samsoes
Sat Jan 25, 2020 9:49 am
Forum: Personal Investments
Topic: doing taxes-where to enter sale of stock without 1099?
Replies: 6
Views: 548

Re: doing taxes-where to enter sale of stock without 1099?

They'll issue a tax document showing the proceeds, but since the shares were acquired prior to 2011, your records of the cost basis will be used on Schedule D and form 8949, (which feeds Sch D) to calculate the gain. Keep your records of the basis -- including the commissions involved in the purchas...
by samsoes
Tue Jan 21, 2020 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of spending my tax refund
Replies: 74
Views: 5445

Re: Talk me out of spending my tax refund

mortfree wrote: Tue Jan 21, 2020 7:24 pm What’s a refund?
It's an interest-free loan given to the Federal Government which, when paid back to the taxpayer, has less purchasing power than it did when it was lent to the Government.
by samsoes
Tue Jan 21, 2020 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on moving to Pennsylvania
Replies: 53
Views: 4469

Re: Advice on moving to Pennsylvania

Blue456 wrote: Tue Jan 21, 2020 4:28 pm http://www.assetprotectionbook.com/foru ... 142&t=1566

I look at protection from creditors.
Great link, thank you. :beer
by samsoes
Mon Jan 20, 2020 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: ACA - mid year withdrawal and clawback
Replies: 14
Views: 990

Re: ACA - mid year withdrawal and clawback

Ladies and Gentlemen, since there have been no further responses/clarifications from the OP, I suggest we stand-down with our responses.
by samsoes
Sun Jan 12, 2020 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do you plan to actually spend down your portfolio?
Replies: 353
Views: 30226

Re: Do you plan to actually spend down your portfolio?

Of course I plan to spend down my portfolio. I can't take it with me.
by samsoes
Tue Jan 07, 2020 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: discard 2009 tax return documents?
Replies: 46
Views: 4211

Re: discard 2009 tax return documents?

If you do back door roth Keep a good record of the conversion if you intend to withdraw before 60 years age Can you expand on "why"? If you withdraw from a Roth before age 59.5, you can only remove your contributions without penalty. Forms 5498 received from year to year substantiate this contribut...
by samsoes
Mon Jan 06, 2020 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Offer on foreclosure in The Villages FL
Replies: 4
Views: 1211

Re: Offer on foreclosure in The Villages FL

Please do whatever you have to do to ensure that you'll be protected from sinkholes.