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by DSInvestor
Mon May 04, 2015 1:14 am
Forum: Investing - Help with Personal Investments
Topic: Capital Gains on individual stock?
Replies: 4
Views: 264

Re: Capital Gains on individual stock?

Your E-Trade account should be able to show your cost basis for each holding. Capital gains = (gross proceeds or current value) - cost basis. Cost basis will be the sum of your purchases and reinvestments. If your cost basis is higher than the current value, you have unrealized capital losses. There...
by DSInvestor
Sun May 03, 2015 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Monthly Income Funds
Replies: 4
Views: 328

Re: Monthly Income Funds

If you're looking for monthly income, your only options may be bond funds. I'm not aware of any stock or balanced fund that distributes dividends monthly. For a taxable account consider intermediate term bond funds. If you're in a low tax bracket 15% or under taxable bond funds like Vanguard Total B...
by DSInvestor
Sun May 03, 2015 8:18 pm
Forum: Personal Consumer Issues
Topic: How to clean spring mattress?
Replies: 2
Views: 155

Re: How to clean spring mattress?

Oxi clean would work and you may already use it with your laundry. Maybe put some in a spray bottle.
by DSInvestor
Sun May 03, 2015 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth: Long term gain vs short term gain
Replies: 1
Views: 118

Re: Back Door Roth: Long term gain vs short term gain

The holding period for short term (<1yr) and long term (1+yr) only applies in taxable accounts. They do not apply for IRA holdings. Lets say she has 12.5K IRA where she made 10K in non-deductible contributions (IRA basis) and she converts everything to Roth IRA. The basis is non-taxable (10K) and 2....
by DSInvestor
Sun May 03, 2015 6:48 pm
Forum: Personal Consumer Issues
Topic: Tea bag recs for making iced tea please
Replies: 10
Views: 390

Re: Tea bag recs for making iced tea please

I like luzianne.
http://www.luzianne.com/tea_overview

Their coffee and chicory is pretty good too.
by DSInvestor
Sun May 03, 2015 6:43 pm
Forum: Personal Consumer Issues
Topic: Digital Pen and Tablet
Replies: 6
Views: 131

Re: Digital Pen and Tablet

I believe a wacom tablet would to be be physically connected to a computer. If you need to be able to while a way from your computer and you have a tablet like an iPad, you can get a drawing app and use it with a pen/stylus. Here's a youtube video of Adobe Sketchbook app for iPad that shows the arti...
by DSInvestor
Sun May 03, 2015 6:43 pm
Forum: Personal Consumer Issues
Topic: Digital Pen and Tablet
Replies: 6
Views: 131

Re: Digital Pen and Tablet

I believe a wacom tablet would to be be physically connected to a computer. If you need to be able to while a way from your computer and you have a tablet like an iPad, you can get a drawing app and use it with a pen/stylus. Here's a youtube video of Adobe Sketchbook app for iPad that shows the arti...
by DSInvestor
Sun May 03, 2015 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Capital Gains :(
Replies: 9
Views: 731

Re: Capital Gains :(

What is the unrealized capital gain of each holding in the taxable account? What tax bracket are you in Fed and state? This will help readers assess your tax cost to realize capital gains. What are the investment options in your tax advantaged accounts? If you have 401k or 403b, what options are ava...
by DSInvestor
Sun May 03, 2015 4:09 pm
Forum: Personal Consumer Issues
Topic: Raining Insurance Bills
Replies: 13
Views: 714

Re: Raining Insurance Bills

Does anyone with a major vendor get a consolidated multi-policy total relationship statement or access to consolidated information on a web site? I have auto and umbrella with GEICO and I do not get a consolidated statement for all polices. Each policy is billed separately. I have one login that al...
by DSInvestor
Sun May 03, 2015 2:47 pm
Forum: Personal Consumer Issues
Topic: Received a new license plate/number in the mail
Replies: 14
Views: 640

Re: Received a new license plate/number in the mail

I guess I now need to go update my number in multiple places? Title, insurance, my parking garage. What am I missing? Or is this not necessary? Your auto insurance insurance may not require the new license plate number. I moved to a different state and GEICO didn't ask me for the new plate number w...
by DSInvestor
Sun May 03, 2015 2:19 pm
Forum: Personal Consumer Issues
Topic: Raining Insurance Bills
Replies: 13
Views: 714

Re: Raining Insurance Bills

Another option is to use autopay at State Farm for all your policies. I use autopay with GEICO and do not receive much mail. If you're not comfortable granting State Farm the permission to pull payments from your accounts, schedule your online bill pays earlier once you know the renewal amount. Some...
by DSInvestor
Thu Apr 30, 2015 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Admiral Shares - Is there any disadvantage to them?
Replies: 15
Views: 1280

Re: Admiral Shares - Is there any disadvantage to them?

Just had an Admiral fund issue today. Transferring (in-kind) a simple ira from Schwab to Vanguard. Vanguard called today and said that Admiral shares can't be held in a Simple IRA. So, I have to ask Schwab to liquidate before they transfer the account. SIMPLE-IRA assets can be transferred into othe...
by DSInvestor
Thu Apr 30, 2015 12:46 am
Forum: Investing - Help with Personal Investments
Topic: Minimizing penalties when transferring funds
Replies: 16
Views: 1352

Re: Minimizing penalties when transferring funds

The home is not a rental and the money coming from that is well below $250K. I knew that the money would not be taxed as capital gains, but does that necessarily mean that it's not counted as taxable income? If the capital gain is excluded it doesn't show up in AGI or taxable income on your Federal...
by DSInvestor
Thu Apr 30, 2015 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Help this Newb Out :)
Replies: 7
Views: 587

Re: Help this Newb Out :)

You should max out your retirement plans 401k, Solo 401k, IRAs before any college savings.

The IRA at Fidelity can use low cost Fidelity Spartan Index funds.
by DSInvestor
Wed Apr 29, 2015 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: Is $700/yr too much to pay Vanguard to have VSMGX?
Replies: 28
Views: 3090

Re: Is $700/yr too much to pay Vanguard to have VSMGX?

Another thing to consider is whether you want Total International Bond Market Index which is part of all LifeStrategy funds. You may want 60/40 but not Total International Bond.
by DSInvestor
Wed Apr 29, 2015 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA Question
Replies: 10
Views: 585

Re: Backdoor Roth IRA Question

I am no longer contributing to the SEP. Do i have to convert it in order to do the backdoor roth? The SEP-IRA assets complicates matters if you make non-deductible TIRA contributions. If your TIRA contributions are deductible, then there is no problem at all. You wouldn't need to do anything with t...
by DSInvestor
Wed Apr 29, 2015 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA Question
Replies: 10
Views: 585

Re: Backdoor Roth IRA Question

Are you adding to the SEP-IRA? If adding to the SEP-IRA, that's going to cause you to have non-Roth IRA balances on Dec 31 which triggers prorata calculation if you have IRA basis (non-deductible contributions). If you're self employed and use SEP-IRA may be switch to a solo 401k if your situation a...
by DSInvestor
Wed Apr 29, 2015 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Y/O - where to put surplus money
Replies: 10
Views: 1400

Re: 25 Y/O - where to put surplus money

$500 per paycheck surplus. Assuming two paychecks per month, that's $1000/month or $12,000/yr which exceeds the $5500 annual Roth IRA contribution limit for the year. You can max out Roth IRA for $5500/yr and still add $6500 to taxable/HSA/emergency fund. Are your 401k contributions Traditional 401k...
by DSInvestor
Wed Apr 29, 2015 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Need help setting up allocation of investments in retirement
Replies: 10
Views: 706

Re: Need help setting up allocation of investments in retire

If all the assets will be held in Vanguard IRAs, you can get 30/70 AA and be very diversified with only three funds: 20% Total Stock Market Index Admiral VTSAX 10% Total International Stock Market Index VTIAX 70% Intermediate Term Bond Index Admiral VBILX or Total Bond Market Index fund VBTLX. With ...
by DSInvestor
Wed Apr 29, 2015 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: 401k + IRA fund recommendations & where to put surplus cas
Replies: 2
Views: 257

Re: 401k + IRA fund recommendations & where to put surplus c

Please edit your post to include the fund options (name, ticker symbol and expense ratio) in the 401k plans. The choices in there may change the recommendations for other accounts.
by DSInvestor
Wed Apr 29, 2015 12:43 am
Forum: Investing - Help with Personal Investments
Topic: Tax Efficiency confusion...
Replies: 8
Views: 725

Re: Tax Efficiency confusion...

Mutual funds can distribute short term and long term capital gains distributions and these happen it shows up in the account where the fund is held. It's just that the tax treatment is different for each type of account. Those distributions are taxable if received in a taxable account and not taxabl...
by DSInvestor
Wed Apr 29, 2015 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Q re pay Cap Gains Tax at zero income level?
Replies: 12
Views: 495

Re: Q re pay Cap Gains Tax at zero income level?

In addition to considering taking capital gains to the top of the 15% bracket, you could consider using part of that space for converting a traditional IRA to a ROTH. I am early retired like you and most of my income is qualified dividends, along with a bit of interest and unqualified dividends. Ea...
by DSInvestor
Wed Apr 29, 2015 12:28 am
Forum: Investing - Help with Personal Investments
Topic: Tax Efficiency confusion...
Replies: 8
Views: 725

Re: Tax Efficiency confusion...

BND -- should be in Roth IRA? I already have VBMFX... VNQI -- should be in Roth IRA? I already have VGSLX... I will be dropping VHT and VIG since it makes me less diversified.[/color] VHT and VIG are already represented in VTI and VXUS. Holding these two funds effectively overweights healthcare and...
by DSInvestor
Wed Apr 29, 2015 12:03 am
Forum: Investing - Help with Personal Investments
Topic: Tax Efficiency confusion...
Replies: 8
Views: 725

Re: Tax Efficiency confusion...

In taxable accounts, capital gains taxes may apply when you sell shares. If you don't sell any shares, your holdings in taxable will still have dividend or capital gains distributions which are reported each to you and to IRS in 1099-DIV and are taxable each year. VTI distributes a dividend 4 times ...
by DSInvestor
Tue Apr 28, 2015 8:39 pm
Forum: Personal Consumer Issues
Topic: Comcast [trouble with service and getting outage credits]
Replies: 11
Views: 1013

Re: Horrific Comcast Experience...

Are you in an apartment building? I had cable service in my apartment and the wiring in the building was suspect causing intermittent problems. When a cable tech came out to troubleshoot, he found water pouring out of one of my cable runs when he unplugged it at the wiring room in the basement. He r...
by DSInvestor
Tue Apr 28, 2015 6:30 pm
Forum: Personal Consumer Issues
Topic: [get music from a smartphone to an old car stereo]
Replies: 14
Views: 956

Re: [get music from a smartphone to an old car stereo]

I have a 97 camry that had a CD deck. I swapped that deck out for one that has bluetooth and USB to allow use of smartphone. It was maybe $200 with installation. Works great. It was great to be able to listen to audiobooks, pod casts and my entire music library as I drove across the country several ...
by DSInvestor
Tue Apr 28, 2015 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: S. Corp questions
Replies: 32
Views: 2051

Re: S. Corp questions

This was never about us wanting to take large distributions in an attempt to pay less in payroll taxes. The subject matter was HOW the payroll taxes were going to be paid. The current way was with monthly installments to the IRS and state and a W2 was in the mix. New way would have been to take the...
by DSInvestor
Tue Apr 28, 2015 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: allocating income taxes between couple
Replies: 3
Views: 438

Re: allocating income taxes between couple

Your CPA has your complete tax situation and Taxcaster does not. I'd go with your CPA over Taxcaster on this issue. Do you reside in a community property state (AZ, CA, ID, LA, NV, NM, TX, WA, WI)? There are special rules to split income for married filing separately for community property states th...
by DSInvestor
Tue Apr 28, 2015 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: contributing lump sum to 401k at end of year
Replies: 17
Views: 926

Re: contributing lump sum to 401k at end of year

Also, I knew I could invest in a roth ira up to april 15th, the following year. However, I didn't think was possible if I had to do the backdoor method? I was under the impression that needed to be done by the end of the year since I'm transferring money from a traditional to a roth ira. Backdoor i...
by DSInvestor
Tue Apr 28, 2015 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: taxable account - how taxes affect traditional 401(k)
Replies: 2
Views: 378

Re: taxable account - how taxes affect traditional 401(k)

I take out $117,647.06 from my taxable and pay 15% in long-term capital gains to come up with the $100,000 You're not taxed on the amount that you withdraw from taxable. You're taxed on the amount of net capital gains. Capital Gains = gross proceeds - cost basis. Keep in mind that capital losses an...
by DSInvestor
Tue Apr 28, 2015 4:52 pm
Forum: Investing - Theory, News & General
Topic: dollar cost averaging at present high price levels
Replies: 22
Views: 2639

Re: dollar cost averaging at present high price levels

It may also feel like financial suicide to add money to stocks after they've had a 50% decline. IMO, it is easier to deal with these thoughts when one has an investment policy statement and an asset allocation plan. Stick to the plan and ignore the noise. Automatic transactions also help since you d...
by DSInvestor
Tue Apr 28, 2015 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Broke buy quarterly
Replies: 40
Views: 2720

Re: Broke buy quarterly

Here at bogleheads, we prefer to invest in low cost mutual funds rather than individual stocks. The Fidelity Spartan 500 index fund is a fine choice. I suspect that livesoft's comment was about individual stocks. If you held a mutual fund in your IRA, you can use an automatic transaction to invest $...
by DSInvestor
Tue Apr 28, 2015 1:54 pm
Forum: Investing - Theory, News & General
Topic: dollar cost averaging at present high price levels
Replies: 22
Views: 2639

Re: dollar cost averaging at present high price levels

I have to admit it is emotionally difficult to dollar cost average into the Total Stock Market Index Fund at these lofty levels and the CAPE being so high but I did it. It does feel like financial suicide but history dictates to do it and so I did. What asset allocation or stock/bond mix do you hav...
by DSInvestor
Tue Apr 28, 2015 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: contributing lump sum to 401k at end of year
Replies: 17
Views: 926

Re: contributing lump sum to 401k at end of year

I think it makes more sense to switch plans at the end of the year (i.e. SIMPLE-IRA for 2015 and start 401k for 2016). 401k employee deferral contributions must be withheld from paychecks. The paychecks must be large enough to support the 401k contributions an other withholdings. For example, an 18K...
by DSInvestor
Tue Apr 28, 2015 11:33 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Solo 401k Questions
Replies: 23
Views: 802

Re: TD Ameritrade Solo 401k Questions

@DSInvestor, I have a non-deductible IRA started 15 years ago that has a basis. I am starting the process of doing conversions. Keep in mind that IRS considers all of your non-Roth IRA accounts (Traditional IRA, Rollover IRA, SEP-IRA, SIMPLE-IRA) as one big traditional IRA. If you have a 200K Rollo...
by DSInvestor
Tue Apr 28, 2015 11:25 am
Forum: Investing - Help with Personal Investments
Topic: contributing lump sum to 401k at end of year
Replies: 17
Views: 926

Re: contributing lump sum to 401k at end of year

Full Roth IRA contribution is permitted if MAGI for Roth IRA purposes is under 116K for 2015. If your gross income is 125K and you contribute 12.5K to SIMPLE-IRA, you'd be under that 116K assuming no surprises and other income. 18K to Traditional 401k would give you more breathing room to make direc...
by DSInvestor
Tue Apr 28, 2015 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Q re pay Cap Gains Tax at zero income level?
Replies: 12
Views: 495

Re: Q re pay Cap Gains Tax at zero income level?

Capital gains are included in AGI and taxable income. However if your AGI before realizing capital gains is zero, your AGI with 3K capital gains would be 3K. Taxable Income = AGI - deductions - exemptions. Your Taxable Income would be negative. I do not believe you'd owe any fed or state tax to real...
by DSInvestor
Tue Apr 28, 2015 10:45 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Solo 401k Questions
Replies: 23
Views: 802

Re: TD Ameritrade Solo 401k Questions

Also, I will try to rollover the basis of my old non-deductible IRA into a new Roth 401(k). Your basis is the money that has been already taxed. Don't you mean you want to isolate your basis in IRA? If you kept the basis in the IRA and rollover everything in excess of basis (i.e. pre-tax money) int...
by DSInvestor
Tue Apr 28, 2015 10:32 am
Forum: Investing - Help with Personal Investments
Topic: contributing lump sum to 401k at end of year
Replies: 17
Views: 926

Re: contributing lump sum to 401k at end of year

Is there a specific reason you wish to lump sum instead of payroll deduct throughout the year? It's probably because SIMPLE-IRA has a lower contribution limit than 401k 12.5K vs 18K. If the switch to 401k happens some time during the calendar year, OP may have little time to max out the 401k for th...
by DSInvestor
Tue Apr 28, 2015 1:43 am
Forum: Investing - Help with Personal Investments
Topic: Minimizing penalties when transferring funds
Replies: 16
Views: 1352

Re: Minimizing penalties when transferring funds

I used to own a bunch of mutual funds like Janus, Baron, Fidelity in a taxable account at Fidelity. I would login to my fidelity account and see a list of all my funds and stocks. That list of portfolio holdings is where I could see the cost basis. My fidelity statements also show cost basis for eac...
by DSInvestor
Mon Apr 27, 2015 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Solo 401k Questions
Replies: 23
Views: 802

Re: TD Ameritrade Solo 401k Questions

I'm following this thread because I would not mind opening a solo 401(k) for the little consulting income that I get. Can I contribute 100% of my self-employed income if it is well under $10,000 a year? Or do I have to pay some FICA/Medicare tax? When I put 10K sole proprietor income into online so...
by DSInvestor
Mon Apr 27, 2015 3:59 pm
Forum: Investing - Theory, News & General
Topic: Who's holding cash?
Replies: 86
Views: 6171

Re: Who's holding cash?

The AA in the accounts were not right. The average er was about 1% and I'm reallocating my portfolio on a more diverse, low cost version. The funds she picked were not bad, but there are better, cheaper versions. I think my overall portfolio (including taxable account) ER averages 1.3%, plus 1% tha...
by DSInvestor
Mon Apr 27, 2015 3:50 pm
Forum: Personal Consumer Issues
Topic: Prepping a house for sale: What are the priorities?
Replies: 33
Views: 2740

Re: Prepping a house for sale: What are the priorities?

When I sold my home last year, I had old carpet in the bedrooms that I cleaned myself with a hoover carpet cleaner. The new owner came in and changed all the flooring in the apartment to hardwood in every room so I'm glad I didn't spend any money to replace the carpet. I repainted every room myself....
by DSInvestor
Mon Apr 27, 2015 2:34 pm
Forum: Investing - Theory, News & General
Topic: Who's holding cash?
Replies: 86
Views: 6171

Re: Who's holding cash?

I'm in the process of moving my taxable and retirement accounts to Vanguard. I've liquidated my retirement accounts of all the higher fee active funds my old FA had me in...so I'm sitting on 30% cash. My portfolio is at an all time high and I'm little worried about at least a small correction. I kn...
by DSInvestor
Mon Apr 27, 2015 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: S. Corp questions
Replies: 32
Views: 2051

Re: S. Corp questions

My CPA's advice for my S-Corp with me as only employee was to pay myself a W-2 salary and take S-Distributions. I paid myself a reasonable salary and did not push it.

BTW, when organized as an S-Corp the retirement plan contributions (Solo 401k and/or SEP-IRA) are driven by your W-2 salary.
by DSInvestor
Mon Apr 27, 2015 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Pre Tax, Roth 401k or After tax 401K??? HELP!
Replies: 14
Views: 979

Re: 401K Pre Tax, Roth 401k or After tax 401K??? HELP!

DSInvestor - My current plan includes replacing my income 1 for 1 with the 401k pretax income . So my marginal tax rate should not change much from my current situation. I think that I need to adjust my strategy by leaning towards the roth so that I can balance my income to stay below the 25% rate....
by DSInvestor
Mon Apr 27, 2015 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Help getting rid of debt
Replies: 56
Views: 3223

Re: Help getting rid of debt

OP have you assessed your tax situation? If you are expecting lower income this year or lower income tax liability, you may be able to adjust your tax withholdings from work to increase take home pay. For example, if your situation is such that you'd get $3000 tax refund next tax season, adjusting w...
by DSInvestor
Mon Apr 27, 2015 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Help getting rid of debt
Replies: 56
Views: 3223

Re: Help getting rid of debt

Assuming that $10,000 of CC debt is all on the 15% card, then that's $125 a month in interest. Anything paid beyond that reduces the principal amount. I suspect the problem is that you are continuing to use that CC for new purchases, thus negating the reduction to some degree. I think it makes sens...
by DSInvestor
Mon Apr 27, 2015 12:35 pm
Forum: Personal Consumer Issues
Topic: Traveling light up to 2 weeks - ditch the laptop, use phone?
Replies: 53
Views: 3150

Re: Traveling light up to 2 weeks - ditch the laptop, use ph

One or two trips without the laptop and you'll know right? Leave the laptop at home and see how it goes. True, but I'd consider 1 week of annoyance a long time and a bad use of vacation time if I can avoid it with some well thought out advice! :D You are either worried and annoyed about carrying a ...
by DSInvestor
Mon Apr 27, 2015 11:45 am
Forum: Personal Consumer Issues
Topic: Traveling light up to 2 weeks - ditch the laptop, use phone?
Replies: 53
Views: 3150

Re: Traveling light up to 2 weeks - ditch the laptop, use ph

One or two trips without the laptop and you'll know right? Leave the laptop at home and see how it goes.

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