Profile

Cover photo
93 followers|10,587 views
AboutPostsPhotosVideos

Stream

The Finance Buff

Shared publicly  - 
 
2013 and 2014 AMT Tax Brackets - Up to the end of 2012, there had been news articles every year saying if Congress didn't act how many millions of taxpayers would be caught by the Alternative Minimum Tax (AMT). Every year, Congress came to the rescue with a patch, saving those millions of taxpayers from the claws of AMT. They got tired [] http://ow.ly/2FvoPL
1
Add a comment...
 
Delaying Social Security - Last week's technical maintenance completed OK, except it caused the email delivery service to mistake old articles as new. Email subscribers received two duplicate emails. Sorry about that. It's fixed now. A reader mentioned it wasn't easy to see the date of the articles on the blog. That's also fixed. The just-ended first quarter of [] http://ow.ly/2FlIJY
1
Add a comment...
 
Vanguard Financial Plan Review: (3) The Consultation - I prepared a list of questions after I reviewed the financial plan from the Vanguard advisor. She called me at the appointment time, on time. She also set up a web video conference so that I could see her. According to disclosure documents, the advisor is in her early 30s, with CFP® credential. She's been [] http://ow.ly/2FdioF
1
Add a comment...
 
File Your Taxes: Accountant, Software, Or Online? - How do you prepare and file your taxes? Do you pay a person, install software on your computer, or do you do it online? Tax Preparer If you use software, either installed on your own computer or online, you are actually in the minority. IRS statistics show that 59% of individual taxpayers pay a tax [] http://ow.ly/2F46nW
1
Add a comment...
 
Vanguard Retirement Income Seminar - I received the financial plan from Vanguard. I will post the details next week. Speaking of Vanguard, they had a retirement income seminar recently. Here are the videos (hat tip to Bogleheads forum member NAVigator): The 4% percent rule and a dynamic retirement spending plan Tax-savvy withdrawals in retirement Required minimum distribution basics Annuities and [] http://ow.ly/2EULbI
1
Add a comment...
Have them in circles
93 people

The Finance Buff

Shared publicly  - 
 
Vanguard Financial Plan Review: (4) Worth It? - This posts concludes my series on the Vanguard financial plan. See previous posts for details about the questionnaire, the written plan, and the consultation. I think it was a good checkup. The recommended portfolio allocation was sound. It provided a good roadmap for getting on the right course. For this reason, it should be done [] http://ow.ly/2FqTb7
1
Add a comment...
 
When To Claim Social Security Calculators - Social Security is so complex that a cottage industry has emerged to help figure out when to claim Social Security. Software companies sell their Social Security optimization tools to financial advisors for several hundred dollars a year. Guess where the money ultimately comes from? The end customers of course. If when and how to claim [] http://ow.ly/2FhwZ9
1
Add a comment...
 
Map of Retirement Risks - First an administrative note. I will perform some technical maintenance on the blog this weekend. If you encounter brief downtime, just check back later. I mentioned one indirect IRA rollover per year a few weeks ago. The IRS made it official with Announcement 2014-15. It'll likely become effective on January 1, 2015. In any case [] http://ow.ly/2F8u1V
1
Add a comment...

The Finance Buff

Shared publicly  - 
 
Vanguard Financial Plan Review: (2) The Plan - I received the financial plan from the Vanguard advisor a week after I submitted the questionnaire. The plan was for my review before a 45-minute appointment with the advisor. As I understand it, the advisor would be able to make adjustments and create the final plan based on our conversation. What's In The Plan Here's [] http://ow.ly/2EZBN6
1
Add a comment...

The Finance Buff

Shared publicly  - 
 
Target RED Card Debit: Zero Fraud So Far - I said the Target RED Card debit card is the most secure among all cards affected in the Target data breach. It turned out to be true. I have the Target RED Card debit card. I used it at Target during the time period the data thieves were stealing card information from Target. I didn't [] http://ow.ly/2EQD2W
1
Add a comment...
People
Have them in circles
93 people
Story
Tagline
Learn how to manage your money from first hand experience