William Perry

Comments

• In December 2023 I bought and read Poor Charlie's Almanac which I enjoyed, learned from and recommend.

  Post: Home Prices and Affordability

  Link to comment from February 11, 2026

• A very fair observation. I am working hard to make my personal financial tax planning simpler as I age so it will less of a future burden on family who follows my decisions. Before I retired as a CPA (mostly tax) I had used most of the major tax software providers tax projection software that was incorporated into their tax platforms which could give great insight to a tax projection only to default to having a safe harbor payment being made. I am happy that you have found a tax planning tool that works well for you.

  Post: Yes, I am a NIIT wit

  Link to comment from February 11, 2026

• I agree that it would be great if Dinkytown let you select the tax year to use. I usually see their calculator tax year updated to the current year late March to early April. Of course new tax legislation can change all your early in the year planning as occurred 7/4/2025 for tax year 2025 with the signing of OBBBA on 7/4/2025 and also the typical changes in your own tax circumstances. A March or April update has been soon enough for my planning purposes.

  Post: Yes, I am a NIIT wit

  Link to comment from February 11, 2026

• Having bought his home in 1958 Mr. Buffett appears to believe the holding period for a home and investments are the same length - forever.

  Post: Home Prices and Affordability

  Link to comment from February 11, 2026

• Michael Perry, no relation to me, had a good HD article in December 2023 where he noted - We have to be cognizant of the NIIT in realizing capital gains. Unlike Roth conversions, dividends and capital gains are subject to the NIIT and its additional 3.8% tax. If we did both, while the Roth conversion amount itself wouldn’t be subject to the NIIT, it would count toward the $250,000 threshold beyond which dividends and capital gains would get hit with the NIIT. A key take away of both your post and Michael's is that while a Roth conversion amount itself wouldn’t be subject to the NIIT, the Roth conversion income would count toward the NIIT threshold. For any matters I did not properly consider in my tax planning I also like to use a current tax calculator in addition to my own calculations during my tax planning. In recent years I have used the free calculator at Dinkytown.net in my planning. I also do not like it when my planned tax is not equal to my final tax. As a back up position I typically make safe harbor payments through a combination of ES payments and FWT based on my prior year tax. I want to pay my tax but do not want to leave a tip. Best, Bill

  Post: Yes, I am a NIIT wit

  Link to comment from February 11, 2026

• I did a manual input. Sorry I can not address your question.

  Post: 2025 Tax Return Time – Overview of Changes

  Link to comment from February 10, 2026

• New schedule 1-A, part of the return, is where the various new deductions (Senior, Auto interest, Overtime, Tips) and are all calculated. I received my final 2025 tax document on 1/30/2026 and I filed the same day. I was overpaid for 2025 and I had our 2025 return electronically transmitted and the over-payment was direct deposited today 2/9/2026. 10 calendar days from transmittal to refund is great. Filing early in tax season likely helps the speed and also locks out the bad actors who want to try to make the IRS think a fake return is real. I filed via FreeTaxUSA (first time using this software) and I would grade the software an A. And yes, totally free as the state I live in does not have a state income tax in 2025.

  Post: 2025 Tax Return Time – Overview of Changes

  Link to comment from February 9, 2026

• Kiplinger has a public December 2025 informative article about the 2026 charitable deductions rules changes that may impact both non-itemizers and itemizers titled 3 Major Changes to the Charitable Deduction for 2026

  Post: 2026 Charitable Contributions

  Link to comment from February 9, 2026

• I have made a purchase request to my local public library to acquire Your Perfect Portfolio. I really enjoyed the the sample. I expect the author's thinking and writing fits well with the thinking of Bogle and Clements.

  Post: Perfect Portfolio

  Link to comment from February 7, 2026

• Dr. Dahle's 150+... article post originally ran in January 2014 and had been updated on his White Coat Investor website expanded to 200 portfolios. Per my research Mr. Cullen's new book was published by Harriman House on 1/6/2026. My guess is both are great reads and worth reading. Thanks for your question Olin. I will be reading the Your Perfect Portfolio sample.

  Post: Perfect Portfolio

  Link to comment from February 7, 2026