Search found 7977 matches

by DSInvestor
Sat Sep 05, 2015 9:01 am
Forum: Personal Consumer Issues
Topic: MP3 player for 8 year old
Replies: 6
Views: 484

Re: MP3 player for 8 year old

Sonos speakers may be an option to consider. They're wireless and can play music from your music library as well as online sources like Pandora, Spotify, Amazon etc. Each speaker can be controlled separately i.e. Classical in Dad's study, Taylor Swift in daughter's room, Motown in kitchen. Speakers ...
by DSInvestor
Fri Sep 04, 2015 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: tax loss harvesting question
Replies: 1
Views: 85

Re: tax loss harvesting question

You're still in the wash sale window from the first sale of TSM so you can sell your 500 index fund for another similar but not substantially identical holding to harvest more losses. Consider Vanguard Large Cap Index.
by DSInvestor
Fri Sep 04, 2015 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Need some Historical/Hypothetical price chart help.
Replies: 3
Views: 176

Re: Need some Historical/Hypothetical price chart help.

Gotcha on point # 1 & 3, but #2...what's weird is when I compare VTSMX and VTSAX on morningstat, then chart the exact same even with different expense ratios. I would of expected VTSAX to trend higher over time, no? http://tinyurl.com/od37qkk The difference in expense ratio between VTSMX and VT...
by DSInvestor
Fri Sep 04, 2015 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Question on deferred retirement accounts....
Replies: 6
Views: 489

Re: Question on deferred retirement accounts....

In the above example fund B had a lot of turnover in its holdings. Let's say that did generate a lot of capital gains to the mutual fund company. Now normally the company passes this tax burden to the individual shareholder. The mutual fund does not pass the tax burden to the shareholder. The fund ...
by DSInvestor
Thu Sep 03, 2015 10:59 pm
Forum: Investing - Theory, News & General
Topic: Basic question for a newbie re: taxable accounts.
Replies: 4
Views: 302

Re: Basic question for a newbie re: taxable accounts.

I wanted to give myself the option of retiring early so I made sure I maxed out all tax advantaged plans and then saved more, much more, in taxable accounts. Unfortunately, our US retirement system has huge variations on tax advantaged contribution room depending on who you work for: 1. Some folks w...
by DSInvestor
Thu Sep 03, 2015 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion, same as contribution?
Replies: 23
Views: 874

Re: Roth conversion, same as contribution?

No. Money converted to Roth IRA has different rules for tax free and penalty free distribution. See Fairmark's page on distributions after a Roth IRA conversion: http://fairmark.com/retirement/roth-accounts/roth-distributions/distributions-after-a-roth-ira-conversion/ Fairmark has lots of great info...
by DSInvestor
Thu Sep 03, 2015 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Dividends are taxed at ?
Replies: 4
Views: 501

Re: Dividends are taxed at ?

The dividends from Total Stock Market are most likely 100% qualified dividend income (QDI). QDI that falls in the 15% bracket or lower is taxed at 0%. QDI that falls in 25% bracket or higher is taxed at 15%. That's for fed tax. Even if Fed taxes your QDI at 0%, your QDI is included in your Fed AGI w...
by DSInvestor
Thu Sep 03, 2015 1:21 am
Forum: Investing - Help with Personal Investments
Topic: TSP Rebalancing
Replies: 6
Views: 568

Re: TSP Rebalancing

I am not a federal employee and have never participated in TSP. Browsing the TSP web site, I found this page on Interfund Transfers which is likely the tool to use to rebalance your TSP holdings. https://www.tsp.gov/planparticipation/interfundbp/IFTs.shtml I don't think it would work the way you des...
by DSInvestor
Wed Sep 02, 2015 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting VGTSX (Vanguard Total International)
Replies: 15
Views: 891

Re: Tax loss harvesting VGTSX (Vanguard Total International)

Aren't vgtx and FTSE essentially the same? I am asking because I just did a TLH from FTSE and keeping it in cash. I would like to invest it in Vgtx if that is legit. The FTSE fund holds 2484 stocks vs 5885 for Total International. FTSE Fund's Portfolio & Management page: https://personal.vangua...
by DSInvestor
Wed Sep 02, 2015 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Kind of messed up my Roth IRA contributions this year? Can I fix it?
Replies: 4
Views: 395

Re: Kind of messed up my Roth IRA contributions this year? Can I fix it?

Are you maxing out Traditional 401k/403b/457b contributions? Those will help reduce your MAGI for Roth IRA purposes. If Traditional 401k contributions can get your MAGI to allow Roth IRA contributions, you're in the clear. For 2015, single filer can make full Roth IRA contribution if MAGI for Roth I...
by DSInvestor
Wed Sep 02, 2015 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: I think this is appropriate tax-loss harvesting...
Replies: 7
Views: 593

Re: I think this is appropriate tax-loss harvesting...

For it to be TLH, you need to buy something else similar, not leave the money in the money market fund. TLH can just be selling an investment to realize the loss. Buying something else that is similar but not substantially identical is a way to realize the loss and maintain market exposure while av...
by DSInvestor
Wed Sep 02, 2015 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a max limit to Roth 401(K) and Roth IRA (Together/Combined)?
Replies: 11
Views: 809

Re: Is there a max limit to Roth 401(K) and Roth IRA (Together/Combined)?

401k (Roth/Traditional) has 18K contribution limit for 2015. The sum of your Roth 401k and Traditional 401k salary deferral contributions cannot exceed 18K. Add 6K of catchup contributions if you're age 50+. IRA (Roth/Traditional) has 5.5K contribution limit for 2015. Add 1K if you're age 50+. The c...
by DSInvestor
Tue Sep 01, 2015 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting VGTSX (Vanguard Total International)
Replies: 15
Views: 891

Re: Tax loss harvesting VGTSX (Vanguard Total International)

Aren't vgtx and FTSE essentially the same? I am asking because I just did a TLH from FTSE and keeping it in cash. I would like to invest it in Vgtx if that is legit. The FTSE fund holds 2484 stocks vs 5885 for Total International. FTSE Fund's Portfolio & Management page: https://personal.vangua...
by DSInvestor
Tue Sep 01, 2015 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting VGTSX (Vanguard Total International)
Replies: 15
Views: 891

Re: Tax loss harvesting VGTSX (Vanguard Total International)

Thanks! That seems like a super easy solution. Any similar recommendations for VTSAX? After searching, VLCAX (large cap) seemed to be mentioned quite a bit. Thanks so much again. Large Cap Index with 657 stocks is a good choice as a TLH replacement holding for Total Stock. 500 Index (VFINX) would b...
by DSInvestor
Tue Sep 01, 2015 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting VGTSX (Vanguard Total International)
Replies: 15
Views: 891

Re: Tax loss harvesting VGTSX (Vanguard Total International)

I suggest that you keep it simple and stick with one fund as your TLH replacement holding. TLH VGTSX for the FTSE All World ex-US VFWIX Investor or VFWAX Admiral. IMO, the FTSE fund is a replacement fund that you can hold forever as your core international stock holding if INTL shoots up in value af...
by DSInvestor
Tue Sep 01, 2015 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse 1099 Misc - Traditional IRA?
Replies: 4
Views: 284

Re: Spouse 1099 Misc - Traditional IRA?

If you and your wife file a joint tax return, your wife can make IRA contributions even if she has no income. This is called a Spousal IRA contributions. Traditional IRA deduction rules are tricky. If neither of you are covered by an employer plan, Traditional IRA contributions are fully deductible ...
by DSInvestor
Tue Sep 01, 2015 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Roth conversion
Replies: 6
Views: 253

Re: Question about Roth conversion

Roth conversion income is taxed as ordinary income at marginal rates (fed and state). If your conversion income pushes you into the 25% tax bracket only the amount that falls in the 25% bracket is taxed at the 25% tax rate. The amount that falls in 15% bracket is taxed at 15%. This is for Federal tax.
by DSInvestor
Tue Sep 01, 2015 10:42 am
Forum: Investing - Help with Personal Investments
Topic: How and when to rebalance
Replies: 8
Views: 667

Re: How and when to rebalance

Say you have $1M that is 50/50. That's 500K stocks 500K bonds. A 40/60 AA calls for 400K stocks and 600K bonds. Vanguard has a feature where you can direct dividends and capital gains distributions from a fund to another vanguard fund so you can direct the dividends from your 3 stock funds into your...
by DSInvestor
Mon Aug 24, 2015 1:30 am
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA non-deductible contributions question.
Replies: 8
Views: 410

Re: Traditional IRA non-deductible contributions question.

If you (and your spouse) did not have a 401k or other employer plan, your contributions to Traditional IRA would be deductible. If you are covered by an employer plan like a 401k, then there are MAGI limits that determine whether your Traditional IRA contributions are deductible or non-deductible. S...
by DSInvestor
Sat Aug 22, 2015 10:24 am
Forum: Personal Consumer Issues
Topic: Cheaper car for someone who enjoys cars?
Replies: 63
Views: 8537

Re: Cheaper car for someone who enjoys cars?

If you don't need a 4 door car, Subaru BRZ 26-28K.
If you like the outdoors, Subaru Outback 25-35K.
by DSInvestor
Sun Aug 09, 2015 7:18 pm
Forum: Personal Consumer Issues
Topic: Cell Phone plans
Replies: 12
Views: 1275

Re: Cell Phone plans

I think Verizon iPhone 5S can be used on any network in the US. Here's something from cnet about using Verizon iPhone 5S on AT&T or T-Mobile along with an explanation of the capabilities of different versions of the 5S. http://www.cnet.com/news/switching-carriers-you-may-be-able-to-take-your-iph...
by DSInvestor
Sun Aug 09, 2015 5:47 pm
Forum: Personal Consumer Issues
Topic: Cell Phone plans
Replies: 12
Views: 1275

Re: Cell Phone plans

Actually bringing it to Apple was option 1 (but we don't have Applecare) Your option was to bring it into apple and repair it. My option was to have apple replace it rather than repair it. If you're willing to surrender the old phone, apple will give you another phone for like $180 of exactly the s...
by DSInvestor
Sun Aug 09, 2015 4:23 pm
Forum: Personal Consumer Issues
Topic: Cell Phone plans
Replies: 12
Views: 1275

Re: Cell Phone plans

Option 4: Take the iPhone into an apple store they can give you a replacement phone for about $50 if you have Apple care and maybe $180 without Applecare. You have to give them your old phone. We have done this a couple of times. I think Apple care allows for two replacements at $50. My wife's phone...
by DSInvestor
Sun Aug 09, 2015 1:43 am
Forum: Investing - Help with Personal Investments
Topic: Funding a solo 401k w/Vanguard
Replies: 7
Views: 759

Re: Funding a solo 401k w/Vanguard

I was self employed as an S-Corp and the corporation had corporate bank accounts. With solo 401k, the employer profit share contributions were from the business account and were an expense of the business. The employee salary deferral contributions were withheld from the employee's paycheck and the ...
by DSInvestor
Thu Aug 06, 2015 1:13 pm
Forum: Personal Consumer Issues
Topic: iPad - usefulness?
Replies: 53
Views: 3979

Re: iPad - usefulness?

We love our iPads. We have iPads with cellular and use the cellular big time when we're on road trips. The cellular iPad is great for road trips. It's an unlocked device so you can buy SIM/service for your destination. When doing a big trip to WA, ID, MT, WY, UT, CO, NM, NV, CA, OR, I was driving an...
by DSInvestor
Thu Aug 06, 2015 1:57 am
Forum: Personal Consumer Issues
Topic: I want to stop paying for Bright House cable modem
Replies: 23
Views: 1346

Re: I want to stop paying for Bright House cable modem

I used to have Cox cable in Louisiana and I now have Comcast. Both of these cable companies supported DOCSIS 3.0 cable modems and I imagine bright house is the same. Cox cable allows users to buy their own modems, rent a modem from Cox or buy a modem from Cox. I bought an Arris/Motorola SB6141 cable...
by DSInvestor
Wed Aug 05, 2015 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: strategy to convert traditional ira to roth
Replies: 6
Views: 503

Re: strategy to convert traditional ira to roth

If your income allows for ACA premium tax credit, be aware the Roth conversion income will impact that tax credit.
by DSInvestor
Wed Aug 05, 2015 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Max out ROTH IRA and 457B plan and save for house at same time?
Replies: 7
Views: 427

Re: Max out ROTH IRA and 457B plan and save for house at same time?

My brother maxed out retirement contributions (457b and Roth IRA) and saved up more than 200K to put down on his home in SF Bay Area while making less than you. He was able to do this because he had very low expenses. He had no student loans, lived at home with our mom and drove a small, fuel effic...
by DSInvestor
Wed Aug 05, 2015 11:25 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Solo 401k Questions
Replies: 36
Views: 1740

Re: TD Ameritrade Solo 401k Questions

Does TDA allow addition of spouse? I am leaning towards this as well b/c of the flexibility it gives over Fido. Vanguard is out b/c you can only get their higher expense funds unless your have xyz amount of monies invested with them. I believe the spouse may need to be an employee or owner of the b...
by DSInvestor
Wed Aug 05, 2015 12:18 am
Forum: Investing - Help with Personal Investments
Topic: Saving to buy a new house
Replies: 6
Views: 1156

Re: Saving to buy a new house

I'd look for a way to get that 20% downpayment without tapping retirement accounts or reducing retirement contributions. If you do move into the more expensive house and have higher costs for mortgage, property tax, maintenance etc, how will you manage? Maybe pretend that you already own the more ex...
by DSInvestor
Tue Aug 04, 2015 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: How necessary is Personal Injury Protection / Medical Expenses for Auto Insurance?
Replies: 15
Views: 1159

Re: How necessary is Personal Injury Protection / Medical Expenses for Auto Insurance?

If I am in the car with friends, they also have health insurance. Are you sure this will be the case 100% of the time? People can have insurance today and no insurance tomorrow. Are you going to check passenger ID cards before letting them in the car? I do lots of hiking. On some trails hikers hitc...
by DSInvestor
Tue Aug 04, 2015 7:48 pm
Forum: Investing - Theory, News & General
Topic: Help with monthly bond mutual fund dividend accrual
Replies: 9
Views: 601

Re: Help with monthly bond mutual fund dividend accrual

livesoft wrote:The answer is that not all their bond funds that pay dividends monthly also declare dividends daily. Many declare dividends monthly.


Now you've got me curious about which mutual fund (non-ETF) distributes monthly and declares monthly.
by DSInvestor
Tue Aug 04, 2015 7:19 pm
Forum: Investing - Theory, News & General
Topic: Help with monthly bond mutual fund dividend accrual
Replies: 9
Views: 601

Re: Help with monthly bond mutual fund dividend accrual

Thanks very much. Short of examining every bond mutual fund prospectus, I guess there is no list of the "declared daily", "declared monthly", "declared quarterly" bond mutua funds? I haven't looked at all VG bond funds, but I wonder if all their bond funds that pay div...
by DSInvestor
Tue Aug 04, 2015 7:04 pm
Forum: Investing - Theory, News & General
Topic: Help with monthly bond mutual fund dividend accrual
Replies: 9
Views: 601

Re: Help with monthly bond mutual fund dividend accrual

I know of two VG bond funds that behave differently with dividends 1) TBM VBMFX/VBTLX where you'd receive a prorated amy of dividends and 2) TIPS fund VIPSX/VAIPX where you would not. These two funds show different language in the prospectus under the section for Fund Distributions. Fund Distributio...
by DSInvestor
Tue Aug 04, 2015 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Max out ROTH IRA and 457B plan and save for house at same time?
Replies: 7
Views: 427

Re: Max out ROTH IRA and 457B plan and save for house at same time?

My brother maxed out retirement contributions (457b and Roth IRA) and saved up more than 200K to put down on his home in SF Bay Area while making less than you. He was able to do this because he had very low expenses. He had no student loans, lived at home with our mom and drove a small, fuel effici...
by DSInvestor
Tue Aug 04, 2015 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Solo 401k Questions
Replies: 36
Views: 1740

Re: TD Ameritrade Solo 401k Questions

Does TDA allow addition of spouse? I am leaning towards this as well b/c of the flexibility it gives over Fido. Vanguard is out b/c you can only get their higher expense funds unless your have xyz amount of monies invested with them. I believe the spouse may need to be an employee or owner of the b...
by DSInvestor
Tue Aug 04, 2015 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Solo 401k Questions
Replies: 36
Views: 1740

Re: TD Ameritrade Solo 401k Questions

It appears to me that you cannot roll Roth IRA into Roth 401k. http://www.irs.gov/pub/irs-tege/rollover_chart.pdf And even if you could, why would you want to? It sounds like a bad idea to me although I can't put my finger on just exactly why. 1. Roth IRA allows withdrawals for contributions tax fr...
by DSInvestor
Mon Aug 03, 2015 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: International
Replies: 3
Views: 352

Re: International

Here is a link to a Vanguard paper from 2012 Considerations for investing in non-U.S. equities: https://personal.vanguard.com/pdf/icriecr.pdf Conclusion In light of quantitative analysis and qualitative considerations, we have demonstrated that domestic investors should consider allocating part of t...
by DSInvestor
Mon Aug 03, 2015 8:44 pm
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting VDE for VGENX
Replies: 7
Views: 713

Re: Tax loss harvesting VDE for VGENX

VDE and VGENX are not the same fund. VGENX Investor / VGELX Admiral does not have an ETF share class. https://personal.vanguard.com/us/funds/snapshot?FundId=0051&FundIntExt=INT Here's a link to the VDE fund page where you can see that it is also available as admiral shares VENAX with 100K minimu...
by DSInvestor
Mon Aug 03, 2015 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Plan & Goals
Replies: 6
Views: 274

Re: 401k Plan & Goals

I am in the high tax bracket. I do back door Roth. And I am in the process of setting up a taxable account to contribute. Does that change things up a bit? Yes. If all you had were tax advantaged accounts, the LS Growth in each account gives you simplicity, low expenses and automatic rebalancing. W...
by DSInvestor
Mon Aug 03, 2015 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Plan & Goals
Replies: 6
Views: 274

Re: 401k Plan & Goals

If you do not have retirement assets in taxable accounts, I think Vanguard LifeStrategy Growth is a good match for your desired AA of 80/20 stock/bond. Hold it in your 401k and your IRAs. In this situation, this is the only fund you need. The fund will take care of all rebalancing for you. Lifestrat...
by DSInvestor
Mon Aug 03, 2015 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: VWO - Tax Loss Harvesting
Replies: 1
Views: 219

Re: VWO - Tax Loss Harvesting

Welcome to the forum. Here is a list of emerging market funds that may be suitable TLH replacement holdings for VWO ETF. Just don't pick Vanguard Emerging markets fund VEIEX Investor shares or VEMAX Admiral shares as those are different share classes of the same fund as VWO. http://www.altruistfa.co...
by DSInvestor
Mon Aug 03, 2015 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Back Credit Card
Replies: 9
Views: 1127

Re: Cash Back Credit Card

We do quite a bit of foreign spending and I use Capital One Visa for that which gives me 1.5% cash back and no foreign transaction fees. For US spending, I use citi double cash 2% cash back (1% on purchase and 1% on payment).
by DSInvestor
Mon Aug 03, 2015 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding ACH overdraft fees
Replies: 7
Views: 681

Re: Avoiding ACH overdraft fees

Ya, I have 6 months of expenses in an emergency fund, but that same account is where all of my paycheck goes, and all of my ACH withdrawals are pulling from the same account too. Auto withdrawing from the same account as my emergency fund is probably not the best setup, so I wanted to move my emerg...
by DSInvestor
Mon Aug 03, 2015 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Account and allocation management for automatic deposits
Replies: 8
Views: 438

Re: Account and allocation management for automatic deposits

northmumbo, great job posting what you have in the accounts. It would be helpful to see what funds (names, tickers and expense ratio) are available in the 401k and 403b. Once we see other options are available in the 401k and 403b, we can start giving suggestions. Balanced funds are funds that hold ...
by DSInvestor
Mon Aug 03, 2015 12:02 am
Forum: Investing - Help with Personal Investments
Topic: Account and allocation management for automatic deposits
Replies: 8
Views: 438

Re: Account and allocation management for automatic deposits

I suggesting posting what you currently hold in each account in the format listed in this post: https://www.bogleheads.org/forum/viewtopic.php?t=6212 Once we can see what you have, what you're contributing, we can make better suggestions to help you simplify. One poster suggested target funds in eac...
by DSInvestor
Sun Aug 02, 2015 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Taking the leap forward ... my 401k plus 100K investment plan.
Replies: 21
Views: 1895

Re: Taking the leap forward ... my 401k plus 100K investment plan.

I know where you're coming from about the maxing out 401k plan .... I need to make sure that I am always in the green every month and unfortunately with all the expenses, sometimes I am in the red. Hard to believe with such a "good" salary but still, sometimes it's not enough. Hence, not ...
by DSInvestor
Sun Aug 02, 2015 10:53 pm
Forum: Personal Consumer Issues
Topic: Experience using cell phone tethering on 4G-LTE vs wifi for home internet
Replies: 25
Views: 2078

Re: Experience using cell phone tethering on 4G-LTE vs wifi for home internet

I'm cancelling my DSL next month and going to 4G-LTE only for home internet. - LTE is faster and more reliable. My DSL provider is incompetent when any problem arises. All day outages happen. - I normally use my phone for most things, and I have an unlimited data plan. - I can buy a used FreedomPop...
by DSInvestor
Sun Aug 02, 2015 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Interest income in a foreign country&Currency loss
Replies: 7
Views: 398

Re: Interest income in a foreign country&Currency loss

Anil, Report foreign interest income by translating it into USD. If interest is earned only a few times a year, use the actual exchange rates. If the interest is earned evenly throughout the year, use the IRS published average rate. For actual loss on a currency transaction (not just a paper loss),...
by DSInvestor
Sun Aug 02, 2015 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding ACH overdraft fees
Replies: 7
Views: 681

Re: Avoiding ACH overdraft fees

Overdraft fees come into play when your balance drops below zero right? If you're getting close to zero on your checking account, you're cutting things too close. Do you have an emergency fund of say 6 months expenses? If yes, why not keep part of your emergency fund in your checking account, perhap...

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