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First I Bond Purchase

I'm going to make our first I Bond purchase by year end. Can someone please talk me through the timing of how long the process takes as I know I'm supposed to purchase at month's end? The money is sitting in checking now. Can I merely log into Treasure Direct on the 30th and make my purchase then, o...
by BeaverFood
Thu Dec 18, 2014 3:25 am
 
Forum: Investing - Theory, News & General
Topic: First I Bond Purchase
Replies: 13
Views: 1772

Mechanics of a Vanguard IRA rebalance

I'm trying to figure out the mechanics of re balancing within an IRA account held at Vanguard. After the 1st of the year, I need to move everything I put in VTTSX (about $1k) as a placeholder + my 2015 IRA contribution into VGTSX to keep my asset allocation on track across all accounts. I'm guessing...
by BeaverFood
Sun Nov 09, 2014 8:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Mechanics of a Vanguard IRA rebalance
Replies: 2
Views: 462

Re: Help Choosing Investments and Coordinating Debt Paydown

Here is the project monthly budget starting 1/1/2015 with no home equity loan (minimum payments on cards will increase as promos expire if I can't payoff in time) (Total: $5592): Mortgage 1705 MN Energy (natural gas) 50 RPU (electric and water) 160 Garbage 25 Car 436 Insurance 114 Gas 300 Student L...
by BeaverFood
Tue Oct 21, 2014 4:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Help Choosing Investments and Coordinating Debt Paydown
Replies: 35
Views: 2525

How much of your Emergency Fund would you lock up in CDs?

Trying to balance liquidity with returns (although I know not to expect high returns on our savings). We currently have our Emergency Fund in a high yield savings with Ally with .9% yield. I'm debating moving a portion of those funds into a 5 year CD ladder with Ally for the higher interest rate. Bu...
by BeaverFood
Sat Oct 11, 2014 6:24 am
 
Forum: Personal Finance (Not Investing)
Topic: How much of your Emergency Fund would you lock up in CDs?
Replies: 37
Views: 2955

Re: TIPS or VIPSX and why?

Thank you all so much for the help and insights! As a follow up, I'm now trying to work up the asset allocation between our various accounts for our bond portfolio. We currently have the following: Within 401k/401As: Blackrock U.S. Bond Index Fund (WFBIX, ER 0.12%) Vanguard Total Bond Market Index F...
by BeaverFood
Sat Oct 11, 2014 6:18 am
 
Forum: Investing - Help with Personal Investments
Topic: TIPS or VIPSX and why?
Replies: 9
Views: 1487

TIPS or VIPSX and why?

I've read through some of the theoretical discussions on TIPS versus TIPS funds but I think I'm getting lost on the theoretical nature of the discussion and confusing myself even more! We're both 35 so have approximately 30 years until retirement give or take depending on finances. Looking to expand...
by BeaverFood
Fri Oct 10, 2014 2:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS or VIPSX and why?
Replies: 9
Views: 1487

Re: Should I stop contributing to 529 Plan?

The WI max deductible 529 contribution annually per recipient is now $3,050. Personally, we're maxing those out immediately after our tax advantaged retirement accounts to reduce our state tax bill. The UW currently runs just shy of $20k per year for just tuition, room and board and increasing rapid...
by BeaverFood
Thu Sep 11, 2014 7:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I stop contributing to 529 Plan?
Replies: 4
Views: 772

Re: Low Income Investor (Tax Concerns)

Also, If I was you, I would make sure my emergency fund is fully funded for my transition out of grad school. I wanted to echo this advice: I know it's tempting to invest all of the funds and start getting returns on your investments, but I would suggest keeping at least 6 months of living expenses...
by BeaverFood
Thu Sep 11, 2014 6:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Low Income Investor (Tax Concerns)
Replies: 31
Views: 1968

What next after exhausting tax advantaged retirement?

After a lot of reading and research, I think we have a comfortable AA for our retirement accounts. However, we're at the point where we've exhausted our tax advantaged accounts and need additional taxable investments to get caught up on retirement. I'm seeing conflicting suggestions everywhere on wh...
by BeaverFood
Thu Aug 28, 2014 6:22 am
 
Forum: Investing - Help with Personal Investments
Topic: What next after exhausting tax advantaged retirement?
Replies: 3
Views: 534

Expat tax advisor

Can anyone recommend a good, trustworthy expat tax adviser? Ideally, I'd prefer to work with someone in the US or Middle East, but we would be happy to conduct business via the web and Skype calls if needed. Bottom line, I want to work with someone who really knows their stuff. Live abroad, 2 income...
by BeaverFood
Tue Apr 22, 2014 6:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Expat tax advisor
Replies: 3
Views: 391

Backdoor Roth with duductible TIRA contributions?

Neither of us qualify for employer-sponsored retirement plans and we exceeded the Roth contribution limits for 2013 as a couple. Under the IRS rules, we could make tIRA contributions that were deductible, so we maxed those out. Every explanation I see about backdoor Roths starts with nondeductible t...
by BeaverFood
Sat Mar 22, 2014 1:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth with duductible TIRA contributions?
Replies: 3
Views: 347

TIRAs or Backdoor Roths?

We currently live abroad and have no access to tax advantaged retirement accounts through work. We also exceed the Roth limits for 2013. All of our retirement funds are currently in 401ks with current/former employers from when we were in the States, so no IRA funds of any type. We will be opening T...
by BeaverFood
Tue Dec 17, 2013 2:40 am
 
Forum: Investing - Help with Personal Investments
Topic: TIRAs or Backdoor Roths?
Replies: 4
Views: 364

Re: Expats, IRAs and FEIE

Thank you both so much!
by BeaverFood
Mon Nov 04, 2013 10:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expats, IRAs and FEIE
Replies: 8
Views: 524

Re: Expats, IRAs and FEIE

Both provided that the amount of the income for the person who exceeds the FEIE is sufficient to fund both contributions. Do you know where I can find info to support that claim? I was looking at the IRS pub on retirement accounts and it only talks about Spousal IRAs for a spouse with no income. Th...
by BeaverFood
Mon Nov 04, 2013 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expats, IRAs and FEIE
Replies: 8
Views: 524

Expats, IRAs and FEIE

We are currently living abroad and confused about IRAs and the Foreign Earned Income Exclusion. We are a two income family, one of our incomes falls entirely under the FEIE and is not taxed. The other's income exceeds the FEIE limits and is taxable on a portion of the package. Can we contribute to t...
by BeaverFood
Mon Nov 04, 2013 10:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Expats, IRAs and FEIE
Replies: 8
Views: 524

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