Search found 398 matches

by Theseus
Thu Jan 11, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Getting your spouse on the same page
Replies: 53
Views: 5535

Re: Getting your spouse on the same page

These threads always end up the same, so yeah just go read the others. getting their spouse to follow a plan My experience is that you generally can't "get" anyone to do anything they don't want to do. Except begrudgingly and only if you have serious power over them, like you can fire them. 100% ag...
by Theseus
Mon Jan 08, 2018 2:21 pm
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 11714

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

One of the other reasons for the milestone sharing posts (e.g. two comma club) is that BHs want to celebrate something. Such a poster may not be able to celebrate that with others in our society - considering financial status discussion is considered a taboo. Or s(he) may be worried that they will b...
by Theseus
Sat Jan 06, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Best Tax Estimate Website for 2018?
Replies: 25
Views: 3754

Re: Best Tax Estimate Website for 2018?

I help my dad with his taxes and he would like to take as much of his IRA now without having to pay taxes. He's over 70.5 so there's no penalty. Normally, I can estimate the number pretty well but that was under the old law. Has anyone run across a good calculator for 2018 based on the new law? I s...
by Theseus
Wed Jan 03, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: India tourist visa - possible to expedite?
Replies: 11
Views: 1142

Re: India tourist visa - possible to expedite?

They have started to provide visa up on arrival. But there may be restrictions. You can check it out below.

https://indianvisaonline.gov.in/evisa/tvoa.html
by Theseus
Wed Jan 03, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Tax Law - Estate Plan considerations?
Replies: 7
Views: 886

Re: 2018 Tax Law - Estate Plan considerations?

Thank you. I am sure as the law gets interpreted and we get more details there could be other things to consider. Please post anything else you come across.
by Theseus
Wed Jan 03, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: utracks.com for guided bike tour?
Replies: 0
Views: 108

utracks.com for guided bike tour?

Has anyone used utracks.com for any of their guided tours? I am looking at their Cologne to Mainz tour that is bike and barge tour in Germany. Just wanted to get any opinions of their service etc.
by Theseus
Tue Jan 02, 2018 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 133
Views: 13954

Re: Embarrassment Preventing Retirement Work: A factor for you?

If you change your life based on what people think then you will live the life the way they want you to live. It won't be your life any longer. I would never change what I think is right for me based on what people think - and I consistently teach my children that. Having said that, you might find v...
by Theseus
Mon Jan 01, 2018 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Tax Law - Estate Plan considerations?
Replies: 7
Views: 886

2018 Tax Law - Estate Plan considerations?

Hi What changes would you make to your estate plan based on the new tax law? For those that already have their estate plan in place what would you have done differently if the new tax law was effective when you originally set it up? E.g. for those that were affected by prior estate tax exemption lim...
by Theseus
Mon Jan 01, 2018 1:52 am
Forum: Personal Consumer Issues
Topic: Long Term House—Any Regrets on things you didn’t do?
Replies: 48
Views: 6504

Re: Long Term House—Any Regrets on things you didn’t do?

We lived about 13 years in our prior house. When we decided to move we realized that to sell our house we had to finish the basement first. We ended up having to finish the basement to so we can sell it. We put up with all the construction and dust for weeks. I wish we had finished much earlier so w...
by Theseus
Thu Dec 28, 2017 11:29 pm
Forum: Personal Consumer Issues
Topic: TV watching with headphones
Replies: 16
Views: 1362

Re: TV watching with headphones

We use this RF (radio) headphone. https://www.amazon.com/Sennheiser-RS120-Wireless-Headphones-Charging/dp/B0001FTVEK/ref=sr_1_3?ie=UTF8&qid=1514517970&tag=bogleheads.org-20&sr=8-3&keywords=sennheiser+headphone My wife wears hearing aids and it makes a huge difference. Be sure to check to see if you...
by Theseus
Thu Dec 28, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: TV watching with headphones
Replies: 16
Views: 1362

Re: TV watching with headphones

I have these (and earlier model) for almost 8 years. We LOVE it. Worth paying extra for the latest model. The RS-195 is almost $350 but it will make a huge difference. https://www.amazon.com/Sennheiser-RS-175-Wireless-Headphone/dp/B00SLUI5SA/ref=sr_1_9?ie=UTF8&qid=1514517797&tag=bogleheads.org-20&ke...
by Theseus
Thu Dec 21, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 58805

Re: Tax Bill Omnibus Thread

Per my latest scenario run in TurboTax I owe almost $24k in state taxes this year to Virginia. This is partly due to sale of my business and I have not yet paid estimated taxes to my state yet. So if I send the check in, will I be able to itemize that in my 2017 federal return? And if I don’t send ...
by Theseus
Thu Dec 21, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 58805

Re: Tax Bill Omnibus Thread

Per my latest scenario run in TurboTax I owe almost $24k in state taxes this year to Virginia. This is partly due to sale of my business and I have not yet paid estimated taxes to my state yet. So if I send the check in, will I be able to itemize that in my 2017 federal return? And if I don’t send ...
by Theseus
Thu Dec 21, 2017 5:06 am
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund if your tax circumstances will change in the future
Replies: 75
Views: 5782

Re: Donor Advised Fund if your tax circumstances will change in the future

If you open a DAF at Fido, can you transfer specific share lots (highly appreciated ones) from a holding in another Fido account ? I did try a trial run with 2 Fido (non DAF accounts), and it didn't seem to give me any way to pick a specific lot from which to take the shares. Yes you can. I have no...
by Theseus
Wed Dec 20, 2017 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 58805

Re: Tax Bill Omnibus Thread

Per my latest scenario run in TurboTax I owe almost $24k in state taxes this year to Virginia. This is partly due to sale of my business and I have not yet paid estimated taxes to my state yet. So if I send the check in, will I be able to itemize that in my 2017 federal return? And if I don’t send t...
by Theseus
Wed Dec 20, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 58805

Re: Tax Bill Omnibus Thread

I'd never even thought of DAFs before, but now it seemed like it might make sense to create one this year, since I would need to contribute 14K+ in subsequent years to get any benefit from charitable contribs. But logistically, is it even possible to get this done by the end of the year ? 1) Create...
by Theseus
Wed Dec 20, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 58805

Re: Tax Bill Omnibus Thread

Any AMT gurus out there? Our county allows prepayment of property taxes. However, we get hit with AMT, so I'm not sure that accelerating the payment to this year would make up for the loss of the SALT deductions > $10,000 next year. (We will still be able to itemize next year's returns with our mor...
by Theseus
Wed Dec 20, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Do We Have to Wait Until Trump Signs the Bill Before We Can Discuss It?
Replies: 44
Views: 3119

Re: Do We Have to Wait Until Trump Signs the Bill Before We Can Discuss It?

Given how close we are, and given how important some moves might be in the next week, it would be very nice if the mods would grant a christmas present just this one time! Put it all in one thread and let people have at it. PLEASE. This is EXACTLY what I requested :-) Just ONE thread to bind them a...
by Theseus
Wed Dec 20, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Do We Have to Wait Until Trump Signs the Bill Before We Can Discuss It?
Replies: 44
Views: 3119

Re: Do We Have to Wait Until Trump Signs the Bill Before We Can Discuss It?

I asked for this two days ago and thread was removed and was referred to the standing policy. So the answer will be no.

My main point was that due to very few days left in the FY, it would help discuss somethings so we ALL can benefit. But I see their POV also.
by Theseus
Wed Dec 20, 2017 9:28 am
Forum: Personal Finance (Not Investing)
Topic: LLC - accounting and taxes for 2017
Replies: 10
Views: 903

Re: LLC - accounting and taxes for 2017

Steph Thank you. 1. A spreadsheet should suffice for bookkeeping for now although you may want to move to QuickBooks or similar as you scale up. Why do you think you need a K-1? That is typically for partnership income. I just assumed I need a K-1 since I was used to getting K-1 for my S-Corporation...
by Theseus
Tue Dec 19, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: LLC - accounting and taxes for 2017
Replies: 10
Views: 903

Re: LLC - accounting and taxes for 2017

If you are a single member LLC and have not elected to be taxed as a corporation (I don't know of anyone who so elects), then you do not file a separate tax return and the LLC income and expenses flow through to your original return. Different story if there is more than one member. Yes. I am the o...
by Theseus
Tue Dec 19, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 250
Views: 38794

Re: Fidelity free Turbotax

Just downloaded 2017 Premier version. I am in their Private Client Group. Last year, the link never worked. When I called Intuit, they pointed to Fidelity. I called my rep. He credited $60 for the software to my account. For those who qualify but still are unable to download due to link or Intuit is...
by Theseus
Tue Dec 19, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: LLC - accounting and taxes for 2017
Replies: 10
Views: 903

LLC - accounting and taxes for 2017

From some windfall in this year - 2017 , I have formed an LLC and funded with some capital. LLC has a broad charter from commercial real estate to angle investing. However at this point, I am still not actively operating the LLC as I am in a research phase. I have a few questions. 1. Do I need to hi...
by Theseus
Sun Dec 17, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund if your tax circumstances will change in the future
Replies: 75
Views: 5782

Re: Donor Advised Fund if your tax circumstances will change in the future

The usual advice for Donor Advised Fund (DAF) use is to put in the yearly (or perhaps two years) donation amount and disperse relatively soon to minimize the relatively high fees. If one thinks that future years will not allow deducting charitable contributions (for whatever reason) would it make s...
by Theseus
Sat Dec 16, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend classification wrong? Fidelity funds
Replies: 8
Views: 472

Re: Dividend classification wrong? Fidelity funds

OK. Just got off the phone with Fidelity. You all are right. They classify everything as non-qualified until they do a detailed review in January. The rep said even after that, the companies can reclassify and there is not time limit on that. I.e. they can reclassify 2015 distribution in 2018 requir...
by Theseus
Sat Dec 16, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend classification wrong? Fidelity funds
Replies: 8
Views: 472

Re: Dividend classification wrong? Fidelity funds

The majority of the qualified/non-qualified determination will not be reflected until they actually release the 1099-DIV. Until then what is reported online should be disregarded. Thank you. Unfortunately I can not disregard this. I am transferring some of my appreciated stocks to DAF. And I need t...
by Theseus
Sat Dec 16, 2017 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend classification wrong? Fidelity funds
Replies: 8
Views: 472

Dividend classification wrong? Fidelity funds

The dividends just got posted in the account early this morning for following funds that I own. FUSVX -FIDELITY 500 INDEX PREMIUM CLASS FSIVX - FIDELITY INTERNATL INDEX PREMIUM CLASS FSEVX - FIDELITY EXTD MARKET INDEX PREMIUM CLASS Overall in 2016 my qualified to non qualified ratio was 9 to 1. But ...
by Theseus
Fri Dec 15, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 26687

Re: Prepayment of SALT Taxes? [State and Local]

Please see this article https://www.journalofaccountancy.com/news/2017/dec/tax-deduction-for-prepaying-anticipated-state-income-tax-201718054.html I heard today that the AICPA plans to issue some guidance that states, in their opinion, there is no substantial authority for claiming a 2017 tax deduc...
by Theseus
Wed Dec 13, 2017 4:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard will use blockchain to share index data
Replies: 56
Views: 6376

Re: Vanguard will use blockchain to share index data

I am going to take a crack at simplifying this for non-IT folks. Let's start with an engine. There is an engine in a lawnmower, snow thrower, car, airplane, helicopter, rockets. Engine at its core performs the basic function of converting fuel into energy that can be then converted into a force. In ...
by Theseus
Mon Dec 11, 2017 10:18 pm
Forum: Personal Consumer Issues
Topic: Those silly lotion containers
Replies: 44
Views: 8027

Re: Those silly lotion containers

There was a woman on the shark tank about 4-5 years ago who had an idea for such a “scrapper”. And I remember she had different size scrappers and also different lengths. It was great and exactly what you are looking for. But she didn’t get any interest from the sharks since it was too small a busin...
by Theseus
Mon Dec 11, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Done gone and did it [Retire]
Replies: 80
Views: 8727

Re: Done gone and did it [Retire]

Congratulations!! Best way to start 2018.

Have you thought about what will you do with all the time? Or you will use that time to figure out what to do? :D
by Theseus
Wed Dec 06, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: Best solution for digitizing documents?
Replies: 55
Views: 5555

Re: Best solution for digitizing documents?

I haven't bothered with preserving (digitally or otherwise) documents in nearly a decade. My wife many years ago pointed out that I wasted a lot of time filing everything, so I started shredding paper documents. Eventually I opted in to receiving electronic documents for everything and no longer re...
by Theseus
Tue Dec 05, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 8191

Re: Lowering My Grocery Bill

Have you considered cutting down your portion sizes? It will save you money and may make you healthier. I did that for health reasons. There was a time when I used to stuff myself when I liked something. Then I started to eat about 25% less. It took about two weeks to get used to it - you feel hungr...
by Theseus
Fri Dec 01, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: For Musk, an Energy Feat the Size of a Football Field
Replies: 52
Views: 2634

Re: For Musk, an Energy Feat the Size of a Football Field

Has the issue of the life of these batteries and how they will be recycled been addressed? Also I saw no real facts on the capacity of this football field sized battery bank. That's a lot of batteries to power 30k homes. Also the general public still doesn't have an understanding of how bad battery...
by Theseus
Fri Dec 01, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: For Musk, an Energy Feat the Size of a Football Field
Replies: 52
Views: 2634

Re: For Musk, an Energy Feat the Size of a Football Field

Has the issue of the life of these batteries and how they will be recycled been addressed? Also I saw no real facts on the capacity of this football field sized battery bank. That's a lot of batteries to power 30k homes. Also the general public still doesn't have an understanding of how bad battery...
by Theseus
Fri Dec 01, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: For Musk, an Energy Feat the Size of a Football Field
Replies: 52
Views: 2634

Re: For Musk, an Energy Feat the Size of a Football Field

Musk is a modern day snake oil salesman. I wouldnt touch that stock with a 10 foot pole. This may be the first time ever that he actually delivered what he promised. You've said this before and the characterization is incorrect. I can't think of anything he does that doesn't actually work. They are...
by Theseus
Fri Dec 01, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 12908

Re: Price of haircut?

$15 at the barber shop. $3-$5 tip.
by Theseus
Thu Nov 30, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: Advice on HOA financial analysis
Replies: 10
Views: 870

Re: Advice on HOA financial analysis

This is such a timely thread for me. Our HOA was run by homeowners and there seem to be some spending that seemed unusual. I (and some others) got elected ourselves to the board. We are going through this ourselves. I will have more details later - probably not in the timeframe you need. But one thi...
by Theseus
Wed Nov 29, 2017 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Why should I donate to my alma mater?
Replies: 133
Views: 10681

Re: Why should I donate to my alma matter?

My main reason (without knowing any facts), some of these colleges (and mine included) have so much endowment money that I can't fathom as to why they need any more money. I have similar feelings, but at least (most?) universities are upfront about their endowments. Some public universities have sq...
by Theseus
Wed Nov 29, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Why should I donate to my alma mater?
Replies: 133
Views: 10681

Re: Why should I donate to my alma matter?

I never donate to my alma matter.

My main reason (without knowing any facts), some of these colleges (and mine included) have so much endowment money that I can't fathom as to why they need any more money.
by Theseus
Tue Nov 28, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 21191

Re: The fallacy of spending money on "experiences" vs hard assets

mak1277 wrote:
Tue Nov 28, 2017 2:36 pm
chevca wrote:
Tue Nov 28, 2017 2:32 pm
Bottom line... we all spend money on something(s) that someone else would consider a waste of money. Who cares? :happy
Amen!
Thank you for saying that!!
by Theseus
Tue Nov 28, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 5332

Re: Luggage Update for Travel

I won't ever check a bag again. I travel carry on only and I highly recommend backback bags that easily fit in the smallest overhead bin and have comfortable padded backpack straps and a waist belt. When you get off the plane and walk up and down stairs in the airport or train station or along the ...
by Theseus
Mon Nov 27, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Inspiration to Work After You've Already "Won"?
Replies: 17
Views: 1887

Re: Inspiration to Work After You've Already "Won"?

First of all congratulation on "making it" at such a young age. I can relate very well to what you are going through. While not so young, I ran into the same thing at 47 and ended up selling my business at 50. While I was financially secure a lot earlier...by 47 I had lost the drive. I dragged mysel...
by Theseus
Sun Nov 26, 2017 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Donor Advised Fund costs
Replies: 45
Views: 3239

Re: Donor Advised Fund costs

My Fidelity advisor (Private Client Group) has indicated that they will waive the 0.6% fee considering size of my account at fidelity. You may want to ask for that - it won't hurt. I want every single penny to go to the charitable causes . Certainly support the bolded phrase. Could you give a ballp...
by Theseus
Sun Nov 26, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Help my kids pick a charitable cause
Replies: 19
Views: 984

Re: Help my kids pick a charitable cause

Probably best is something very local. Some people like animals, so there are lots of animal charities which also need people to physically help them. At this time of year, the local newspapers are full of requests from charitable causes. Frankly, I'm surprised one needs to ask on bogleheads .... A...
by Theseus
Sun Nov 26, 2017 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Donor Advised Fund costs
Replies: 45
Views: 3239

Re: Donor Advised Fund costs

Like others on this board, and I'm sure for the same reason, I am considering funding a donor advised fund before the end of this year with several years of expected donations using highly appreciated shares of stock I've managed to accumulate over the years. I am considering Fidelity Charitable, f...
by Theseus
Sun Nov 26, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Help my kids pick a charitable cause
Replies: 19
Views: 984

Help my kids pick a charitable cause

I need some advise from experienced bogleheads. I am giving my 12 year old and 18 year old girls $1000 each to spend on a charitable cause this year. My objective is to have them learn and be compassionate to others in life (they already are but not action oriented about it). One option is that they...
by Theseus
Sun Nov 26, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: if you could use only 1 investment firm...
Replies: 79
Views: 5984

Re: if you could use only 1 investment firm...

If you qualify as a high networth client, Fidelity is very good. I have a terrific and free financial advisor. He acts as my sounding board for many areas related to finance and actually understand that I am a boglehead (without ever trying to change me). Out of curiosity....how does this happen? A...
by Theseus
Sun Nov 26, 2017 8:24 am
Forum: Investing - Help with Personal Investments
Topic: if you could use only 1 investment firm...
Replies: 79
Views: 5984

Re: if you could use only 1 investment firm...

If you qualify as a high networth client, Fidelity is very good. I have a terrific and free financial advisor. He acts as my sounding board for many areas related to finance and actually understand that I am a boglehead (without ever trying to change me).
by Theseus
Fri Nov 24, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Update (again): Amazon "Cyber Monday Deal": Instant Pot 6-qt $74.99 (Cyber Monday-Nov 27)
Replies: 36
Views: 4831

Re: Update: Amazon "Black Friday Deal": Instant Pot 8-qt $81.99 (Black Friday-Nov 24)

Black Friday Amazon Deal, Nov 24: https://www.amazon.com/Instant-Pot-Programmable-Pressure-Steamer/dp/B01B1VC13K/ref=gbph_tit_m-2_5702_2d744a6a?smid=ATVPDKIKX0DER&pf_rd_p=7198fb53-be25-4650-95b4-f3853e625702&pf_rd_s=merchandised-search-2&pf_rd_t=101&pf_rd_i=384082011&pf_rd_m=ATVPDKIKX0DER&pf_rd_r=H...