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Re: Best Way to Show Google Docs via Wi-Fi on a TV: Chromeca

I'm not familiar with Chromecast but I've used AppleTV to receive screens via Airplay from Apple devices. This kind of solution may need a dedicated PC to drive that content to that screen. Perhaps someone can confirm this. If no dedicated PC is available, is there another way to put the content on ...
by DSInvestor
Tue Jul 22, 2014 10:42 pm
 
Forum: Personal Consumer Issues
Topic: Best Way to Show Google Docs via Wi-Fi on a TV: Chromecast?
Replies: 5
Views: 286

Re: retirement transfer from Janus

With 400K, you can certainly qualify for Admiral shares Vanguard index funds (10K minimum initial investment). I would keep it simple and stick with Vanguard mutual funds rather than ETF shares. ETF offers no price advantage over Vanguard Admiral index funds. You can go with something like this for ...
by DSInvestor
Tue Jul 22, 2014 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: retirement transfer from Janus
Replies: 2
Views: 140

Re: Asking for a raise

How long before you get your green card?
by DSInvestor
Tue Jul 22, 2014 9:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Asking for a raise
Replies: 9
Views: 548

Re: Help me choose a new tv

I have a 32inch LCD Samsung and a 47 inch LG LED. Both are excellent TVs. I bought my mom a 40 inch LED Samsung SmartTV from costco last year for $399 and it's a great TV but smart features aren't that great - a little sluggish. IMO, anyone can turn a dumb TV into a smart TV with a $99 Apple TV or R...
by DSInvestor
Tue Jul 22, 2014 9:21 pm
 
Forum: Personal Consumer Issues
Topic: Help me choose a new tv
Replies: 7
Views: 478

Re: Mortgage Prepayment Question

Here is this month's (July) statement: Principal: 581.00 interest: 861.00 Escrow: ...... Total: 1,952.10 Today (July 22), I received my next month's mortgage statement(and pay stub), on the history section, it does show that my prepayment has been applied to the principal: 07/8/2014 Principal only ...
by DSInvestor
Tue Jul 22, 2014 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Prepayment Question
Replies: 19
Views: 781

Re: Bond strategy resilient to rate increase

If you or your spouse have access to TSP, invest in G fund.

I bonds will not lose value if rates rise.
by DSInvestor
Mon Jul 21, 2014 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: Bond strategy resilient to rate increase
Replies: 11
Views: 977

Re: SEP-IRA employer contributions fr/ personal account-prob

When you're incorporated, you must take care not to pay for business expenses with personal money and vice versa. I think it's an issue of piercing the corporate veil. From an accounting and tax perspective, the SEP-IRA contribution is an expense of the S-Corp and reduces the S-Corp's net income whi...
by DSInvestor
Mon Jul 21, 2014 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: SEP-IRA employer contributions fr/ personal account-problem?
Replies: 15
Views: 752

Re: Self Employed - Roth Contribution for Sep and solo 401K

Yes, Roth IRA contributions are allowed above and beyond what you contribute to either SEP-IRA or Solo 401k. Note that if your income is eligible for Roth IRA contributions, you'd be able to contribute much more to Solo 401k than to SEP-IRA. If you self employed income allows for 20K contribution to...
by DSInvestor
Mon Jul 21, 2014 1:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Self Employed - Roth Contribution for Sep and solo 401K
Replies: 2
Views: 242

Re: incorporating bonds into our portfolio

I think it would be fine to hold your entire bond allocation in your 401k in that ssga bond index fund. If you hold all the asset classes in the 401k, you can rebalance in that one account. Use the 403b and IRAs to hold overflow for your US and INTL holdings.
by DSInvestor
Mon Jul 21, 2014 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: incorporating bonds into our portfolio
Replies: 6
Views: 721

Re: Help me select a streaming media device

Apple TV works well with iPhones, iPod Touch, iPad, Macs, WIndows PCs with iTunes. It's really easy to send pictures to Apple TV from your apple device. It supports Netflix, Hulu Plus, HBO Go, PBS, ESPN, youtube, but does not have a channel for Amazon Instant Video. I have my Apple TV connected to m...
by DSInvestor
Mon Jul 21, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: Help me select a streaming media device
Replies: 19
Views: 1273

Re: American in need of Premier team to root for

I don't follow Premier League but enjoyed a movie called Damned United where Michael Sheen plays Brian Clough, one of Britain's top managers in football. It's available on Netflix.

When I was a kid, my best friend was an Arsenal fan.
by DSInvestor
Mon Jul 21, 2014 10:04 am
 
Forum: Personal Consumer Issues
Topic: American in need of Premier team to root for
Replies: 21
Views: 974

Re: What to do in a market correction

1) The first thing I expect will happen automatically. If prices go down, so will the amount of minimum required distributions, and also the taxes paid on them. This could be a problem if you spend the MRD, as you lose a bigger percentage of your assets. But I just transfer from a tax deferred acco...
by DSInvestor
Mon Jul 21, 2014 1:21 am
 
Forum: Investing - Theory, News & General
Topic: What to do in a market correction
Replies: 32
Views: 2943

Re: income tax - s corp

How do you pay taxes on distribution for s corp? For example, S corp has income of 220k, it pays you a salary of 100k. I assume the salary income tax gets paid monthly through withholding, but what about the remaining 120k? The remaining 120k of S corp income gets sent to yourself via distribution,...
by DSInvestor
Mon Jul 21, 2014 12:16 am
 
Forum: Personal Finance (Not Investing)
Topic: income tax - s corp
Replies: 1
Views: 331

Re: Favorite Athlete

Roger Federer
by DSInvestor
Sun Jul 20, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Favorite Athlete
Replies: 22
Views: 810

Re: Roth 401k conversion

IRA is a different matter. She can contribute to traditional IRA, but the contribution would not be deductible because of your MAGI. But if she has no untaxed money in any other IRA, SEP IRA, or SIMPLE IRA accounts, she can contribute to tIRA (not-deductible) and convert that to Roth IRA. Since thi...
by DSInvestor
Sun Jul 20, 2014 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k conversion
Replies: 9
Views: 729

Re: Advice For Late Starters To Investing

Retirement used to be a three legged stool with the three legs being pension, social security and savings. If you will not have a pension, that makes your savings all the more important. You've done an excellent job of constructing a very low cost, diversified and easy to manage portfolio. Now you n...
by DSInvestor
Sun Jul 20, 2014 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice For Late Starters To Investing
Replies: 7
Views: 1106

Re: Complete Portfolio Rebalancing: Lump or DCA?

You're already invested in the stock market, so just make the switch to the funds you want to hold quickly. Your taxable account already holds TSM and TISM which I assume you're keeping. The other 90% of the portfolio is in retirement accounts so there are no tax implications for exchanging out of y...
by DSInvestor
Sun Jul 20, 2014 4:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Complete Portfolio Rebalancing: Lump or DCA?
Replies: 9
Views: 916

Re: Social Security Taxes?

Run some numbers with taxcaster. It is free, very easy to use and may help you better understand how social security and other types of income are taxed.
https://turbotax.intuit.com/tax-tools/c ... taxcaster/
by DSInvestor
Sat Jul 19, 2014 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Taxes?
Replies: 26
Views: 2250

Re: Roth IRA income limit question

If you're total income is right around the threshold you should be able to get that well below with deductions. Are you maxing out 401k? I would think the $17,500 should be more than enough to bring you under. Be careful about the term deductions in this case. In this case, tax deductible contribut...
by DSInvestor
Sat Jul 19, 2014 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA income limit question
Replies: 24
Views: 1051

Re: Roth IRA income limit question

DSI - I contribute the max $17,500 to a traditional 401(k). That lowers AGI??? Disclaimer: I'm a corporate accountant, not a tax accountant. I've taken one tax course in my life. :) Yes, Traditional 401k contributions lowers your AGI. If you contributed max to Traditional 401k in tax year 2013, go ...
by DSInvestor
Sat Jul 19, 2014 10:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA income limit question
Replies: 24
Views: 1051

Re: Roth IRA income limit question

I'm currently single and my income in 2014 will be about $116,000, plus about $1,500 in interest income from savings and CDs, which puts my estimated modified adjusted gross income at $117,500. This is in the "phase out" range of $114,001-$129,000. Look back at your 2013 tax return and fi...
by DSInvestor
Sat Jul 19, 2014 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA income limit question
Replies: 24
Views: 1051

Re: Apple TV

Yes, I assume I could get faster internet speed. I currently use Time Warner and, as a BH, have one of the cheaper plans. I pay under $50 / month, and that's after periodic pleading with them about the cost. Not sure how much more faster speed would cost, but I'm guessing maybe $80-90? I can afford...
by DSInvestor
Fri Jul 18, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: Apple TV
Replies: 33
Views: 1904

Re: Apple TV

How fast is your internet service? I have used Apple TV with service that was 8-25Mbps and it's pretty snappy with the menus, netflix, Hulu, PBS, HBO Go etc. One of my neighbors has a low tier internet service (max 3Mbps) with UVerse and the apple TV is a little sluggish to show menus and show icons...
by DSInvestor
Fri Jul 18, 2014 9:05 am
 
Forum: Personal Consumer Issues
Topic: Apple TV
Replies: 33
Views: 1904

Re: Economics 101

Here's a link to a clip from the HBO movie "Too Big to Fail" that explains the financial crisis. William Hurt plays Treasury Secretary Hank Paulson and his team working on a way to explain the crisis in plain English.
http://www.youtube.com/watch?v=OqYTQB6lrQQ
by DSInvestor
Fri Jul 18, 2014 8:43 am
 
Forum: Investing - Theory, News & General
Topic: [Learning about] Economics 101
Replies: 37
Views: 2527

Re: Economics 101

Take a look at Khan Academy.
https://www.khanacademy.org/

Here's a page showing all of their subjects:
https://www.khanacademy.org/library
by DSInvestor
Fri Jul 18, 2014 1:12 am
 
Forum: Investing - Theory, News & General
Topic: [Learning about] Economics 101
Replies: 37
Views: 2527

Re: Adding Backup Boot Disk - Windows 7 - Clone or Image?

I then ran the restore process and when completed everything was there and running OK just as with the original drive. Thanks for passing that along. I intend to do the same thing to get the confidence that it all works. In my case I do have a USB 3.0 Seagate backup drive and storing the image has ...
by DSInvestor
Thu Jul 17, 2014 5:23 pm
 
Forum: Personal Consumer Issues
Topic: Adding Backup Boot Disk - Windows 7 - Clone or Image?
Replies: 13
Views: 949

Re: Transferring Roth IRA to Vanguard & Restructuring...

I didn't think of simplifying it to a LifeStrategy Growth (VASGX) fund, which would really make things easy, but the way I have it split up I would save 50% on the expense ratio. My net expense ratio with the above breakout is .09% whereas VASGX is .18%. The fact that it automatically rebalances an...
by DSInvestor
Thu Jul 17, 2014 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Transferring Roth IRA to Vanguard & Restructuring...
Replies: 12
Views: 1021

Re: Wife has no retirement options- is breadwinner

Would she qualify for an Individual 401(k) at Vanguard? I'm not familiar with that. I'll look into it. Is that subject to the same income limits as a TIRA? Individual 401k is a Solo 401k that is an option for self employed folks who have no employees. Can work for sole proprietor (1099 contractors,...
by DSInvestor
Thu Jul 17, 2014 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife has no retirement options- is breadwinner
Replies: 36
Views: 3186

Re: Transferring Roth IRA to Vanguard & Restructuring...

That would mean I should structure my portfolio as follows: Roth IRA: $17k VTI: 45% (Total US Stock - $9k) VXUS: 20% (Total Int'l Stock - $4k) BND: 10% (Total US Bond - $2k) VNQ: 5% (US REIT - $1k) VWO: 5% (Emerging Market Stock - $1k) Taxable: $3k BND: 10% (Total US Bond- $2k) BNDX: 5% (Total Int'...
by DSInvestor
Wed Jul 16, 2014 2:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transferring Roth IRA to Vanguard & Restructuring...
Replies: 12
Views: 1021

Re: Insurance Settlement and Roth

Your wife can make Spousal IRA based on your compensation if you both file joint tax return. With joint AGI at expected around 135K, you'd both be eligible for full Roth IRA contribution ($6500 for you, 5500 for spouse under age 50). http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Amo...
by DSInvestor
Wed Jul 16, 2014 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Insurance Settlement and Roth
Replies: 4
Views: 416

Re: Transferring Roth IRA to Vanguard & Restructuring...

With 3K in the taxable account, I'd suggest going with Total Stock Market Investor VTSMX er=0.18% or VTI. The Roth IRA can be something like LifeStrategy Growth which has 80/20 AA. In the early stages of investing, your savings rate will have a much larger impact on the growth of your portfolio than...
by DSInvestor
Tue Jul 15, 2014 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transferring Roth IRA to Vanguard & Restructuring...
Replies: 12
Views: 1021

Re: Made too much money (roth ira contribution)

- convert the entire $6,000 back to the roth IRA. For practical purposes the $5,500 contribution is not tax but the $500 earnings IS taxed. It doesn't have to be taxed as you need to roll other IRA amounts to the TSP you can just roll the 500 bucks of earnings too. So I can just recharacterize the ...
by DSInvestor
Tue Jul 15, 2014 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Made too much money (roth ira contribution)
Replies: 19
Views: 1682

Re: Questions about changing asset allocation

With 20-25K portfolio, I would not go with 7 funds. Your AA has 20% bonds, so I would suggest going with 1 fund - Vanguard LifeStrategy Growth which has 80/20 AA and includes TSM, Total international, Total Bond and Total international bond. TSM includes large cap, mid cap and small cap, REIT at mar...
by DSInvestor
Tue Jul 15, 2014 2:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Questions about changing asset allocation
Replies: 6
Views: 650

Re: Moving From Bonds Into Stocks

If you have an asset allocation plan and IPS that states that you want to hold 60/40, stick with that asset allocation. Let's say you have 100K in a 60/40 portfolio. If stocks fall 50%, you would have 30K stocks and 40K bonds for a total of 70K. 60/40 AA on 70K implies 42K stocks and 28K bonds. You ...
by DSInvestor
Tue Jul 15, 2014 2:03 am
 
Forum: Investing - Help with Personal Investments
Topic: What To Do During A Correction In Stocks?
Replies: 31
Views: 3613

Re: america the beautiful national parks and lands pass

Here's is a link to a PDF file that shows where passes are sold. Some passes may be purchased by phone, online or by mail and of course at park entrances. The military pass must be obtained in person and the PDF file says that most sites that sell passes will have the military passes. If you're not ...
by DSInvestor
Tue Jul 15, 2014 12:40 am
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 59
Views: 3514

Re: america the beautiful national parks and lands pass

You don't have an America the beautiful pass, lifetime or not. You have a Golden Age pass. $10 lifetime. If OP bought the pass recently, then it's an America The Beautiful Senior Pass which is $10 Lifetime. See this NPS page on America The Beautiful Passes: http://www.nps.gov/findapark/passes.htm N...
by DSInvestor
Tue Jul 15, 2014 12:26 am
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 59
Views: 3514

Re: Approximating 3-fund portfolio with limited Spartan fund

In the 401k you can go with 3 funds: Spartan US Bond Index. Spartan International index Spartan 500 Index (close enough to TSM) Spartan Small Cap (if you really want to approx TSM hold 4/1 ratio of 500 Index/Small cap) In the IRAs, you can simply hold an 80/20 fund like LifeStrategy Growth in each I...
by DSInvestor
Mon Jul 14, 2014 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Approximating 3-fund portfolio with limited Spartan funds
Replies: 5
Views: 953

Re: Question about managed account

30K in assets invested in 28 funds. That's crazy. If you're willing to do some homework to find all the fund tickers and fund balances, you can punch those into Morningstar instant x-ray available for free at the Morningstar Tools page. Morningstar Tools: http://www.morningstar.com/Cover/Tools.html ...
by DSInvestor
Mon Jul 14, 2014 8:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about managed account
Replies: 17
Views: 1347

Re: Made too much money (roth ira contribution)

Do your projections for MAGI include the Traditional TSP tax deduction assuming you're making Traditional TSP contributions?

Traditional TSP contributions reduce AGI and MAGI (for Roth IRA purposes).
Roth TSP contributions do not reduce AGI and MAGI (for Roth IRA purposes).
by DSInvestor
Mon Jul 14, 2014 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Made too much money (roth ira contribution)
Replies: 19
Views: 1682

Re: Made too much money (roth ira contribution)

Do you have any moves before year end that you can make to reduce your AGI and MAGI to help stay under that 114K MAGI? If you're contributing to Roth TSP, maybe switch to Traditional TSP. Have you maxed out HSA contributions if you have HSA eligible High Deductible Health Plan (HDHP)?
by DSInvestor
Mon Jul 14, 2014 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Made too much money (roth ira contribution)
Replies: 19
Views: 1682

Re: america the beautiful national parks and lands pass

IMO, the best strategy is simply to make some time and visit some of these beautiful places while we're healthy enough to do it. I think we all need time away from work, traffic, cell phones, computers, video games. I took a 6 month trip last year and didn't want to stop. It was so nice to be away f...
by DSInvestor
Mon Jul 14, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 59
Views: 3514

Re: Debt payoff plan opinions

jtayl71 wrote:Rob,

Thanks for the reply, but I have checked prior to posting this and my extra payments do go towards the principal.
If this were the case, the next payment would be due next month, not next year.
by DSInvestor
Mon Jul 14, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debt payoff plan opinions
Replies: 53
Views: 3075

Re: Rebalancing Question for Portfolio

Get rid of the small cap and absorb it into the Extended market index and absorb the emerging market into the total international stock index is no brainer. Steve, I agree that above is a no-brainer for simplification. This tells me you're willing to sell those two funds and realize capital gains. ...
by DSInvestor
Mon Jul 14, 2014 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question for Portfolio
Replies: 17
Views: 938

Re: america the beautiful national parks and lands pass

I agree that gates aren't manned as much nowadays. I spent a 4 days in Glacier NP in May and the gates were only manned on Sat/Sun. I had a pass so I wasn't at all concerned. I was able to pull into a ranger station and get maps etc. I went back to Glacier in September and I think all gates (at leas...
by DSInvestor
Mon Jul 14, 2014 1:30 am
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 59
Views: 3514

Re: Help me rebalance, reorganize and refocus my mom

No need to rollover the SEP-IRA to Traditional IRA. After the SEP-IRA contribution is made, the SEP-IRA is essentially a Traditional IRA. IMO, mom's portfolio is too complicated and too aggressive. I would consider shifting to a three fund portfolio with say 50/50 or 40/60 AA. There would be no tax ...
by DSInvestor
Sun Jul 13, 2014 11:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me rebalance, reorganize and refocus my mom
Replies: 4
Views: 633

Re: Question about managed account

Where is your money now? Maybe you have a managed account at Fidelity (Portfolio Advisory Services) which is an add-on service. It may be possible to terminate the addon service and stay at Fidelity and invest in one of their Spartan index funds which are quite competitive with Vanguard. If you're a...
by DSInvestor
Sun Jul 13, 2014 11:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about managed account
Replies: 17
Views: 1347

Re: america the beautiful national parks and lands pass

Procedures vary from park to park. Here's an example from Big Bend National Park about arriving after hours: http://www.nps.gov/bibe/planyourvisit/after_hours.htm Big Bend is very remote; it is not unusual for visitors to arrive after normal business hours. Park entrances are always open, but entran...
by DSInvestor
Sun Jul 13, 2014 10:56 pm
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 59
Views: 3514

Re: tax efficient withdrawals in retirement

If you have assets in taxable and are not receiving social security or pension income to leave your 0% tax bracket wide open, you may want to consider Roth conversion to consume the 0% tax bracket rather than withdrawal from your Traditional accounts. Any QDI and LTCG thrown off by the assets in tax...
by DSInvestor
Sun Jul 13, 2014 10:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: tax efficient withdrawals in retirement
Replies: 10
Views: 1647

Re: payroll for s corp and solo 401k

You and your wife can be W-2 employees of your S-Corp and participate in Solo 401k. Yes, the 17.5K employee salary deferral is withheld from the paychecks, along with your Fed/State taxes, FICA etc. The contributions to the Solo 401k are both paid out of the business account. The employee contributi...
by DSInvestor
Sun Jul 13, 2014 10:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: payroll for s corp and solo 401k
Replies: 1
Views: 359
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