Search found 7918 matches

by DSInvestor
Fri Jul 31, 2015 10:31 pm
Forum: Personal Consumer Issues
Topic: Router Upgrade
Replies: 32
Views: 1724

Re: Router Upgrade

Ken, The less stuff around the antenna the better. The higher the better. My daughter had a desktop with a PCI wireless adapter card where and the antenna sticks out of back of the desktop. The desktop was on the floor and surrounded with stuff. She had signal problem so I swapped the antenna out wi...
by DSInvestor
Fri Jul 31, 2015 5:35 pm
Forum: Personal Consumer Issues
Topic: Router Upgrade
Replies: 32
Views: 1724

Re: Router Upgrade

I upgraded from N to AC router (T-mobile Cellspot Asus RT-AC68U) and saw performance increases over wifi for internet across all devices without upgrading the hardware at each device. I have a mix of old and new devices from iPhone 4, iPhone 4S, iPhone 5S, iPad2, iPad 3, iPad Air 2, old dell laptop,...
by DSInvestor
Thu Jul 30, 2015 8:01 pm
Forum: Personal Consumer Issues
Topic: Getting Hawaiian shave ice on the East Coast
Replies: 21
Views: 1245

Re: Getting Hawaiian shave ice on the East Coast

You can get an ice shaver machine from amazon. Not sure what flavors you had in hawaii but I really enjoy shaved ice with sweet red beans (azuki beans) and coconut milk or condensed milk. You can find cans of sweet azuki beans in asian grocery stores.
by DSInvestor
Thu Jul 30, 2015 7:52 pm
Forum: Personal Consumer Issues
Topic: Router Upgrade
Replies: 32
Views: 1724

Re: Router Upgrade

Looking at the 2 recommended routers raises a question. These routers saying speeds much faster than my provider if I am reading this correctly. TP Link suggested showing 1300 Mbps ?? I will check but think my provider (Charter) is giving me 50 Mbps. Are there internet providers providing those hig...
by DSInvestor
Thu Jul 30, 2015 7:08 pm
Forum: Personal Consumer Issues
Topic: Router Upgrade
Replies: 32
Views: 1724

Re: Router Upgrade

Are you a T-Mobile wireless customer? If yes, stop by a T-Mobile store and pick up a their Cellspot router which is a T-Mobile rebranded ASUS RT-AC68U. It was provided for me at no cost but you have to return it if you terminate your plan with T-Mobile. You can also buy one for $99 from T-Mobile whi...
by DSInvestor
Wed Jul 29, 2015 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: 1 cent left over in tIRA after backdoor Roth conversion
Replies: 6
Views: 457

Re: 1 cent left over in tIRA after backdoor Roth conversion

If converting at Vanguard, next time convert ALL shares rather than a dollar amount.
by DSInvestor
Wed Jul 29, 2015 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Taxable income computation by Vanguard
Replies: 25
Views: 1147

Re: Taxable income computation by Vanguard

Vanguard requires a 2-month wait before investing in the same fund. I can keep the funds in the S&P500 fund for 2 months and then move them back to the TSM. You can avoid the 2 month frequent trading restrictions If you use automatic transactions to sell at Vanguard. I've used them to sell and ...
by DSInvestor
Wed Jul 29, 2015 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Taxable income computation by Vanguard
Replies: 25
Views: 1147

Re: Taxable income computation by Vanguard

Vanguard requires a 2-month wait before investing in the same fund. I can keep the funds in the S&P500 fund for 2 months and then move them back to the TSM. You can avoid the 2 month frequent trading restrictions If you use automatic transactions to sell at Vanguard. I've used them to sell and ...
by DSInvestor
Tue Jul 28, 2015 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: Stock/bond mix - Roth IRA vs Taxable
Replies: 5
Views: 398

Re: Stock/bond mix - Roth IRA vs Taxable

Thanks all. We used to have 401ks but now rolled into Roths. I'm a recent grad school grad and my wife is self-employed who uses SEP-IRAs - but we've also converted those to Roths. (In general, I like the idea of paying taxes now vs deferring) If your wife's self employed income is not sufficient t...
by DSInvestor
Tue Jul 28, 2015 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Is FFNOX similar to the 3 fund portfolio?
Replies: 7
Views: 434

Re: Is FFNOX similar to the 3 fund portfolio?

Yes, it is pretty much the three fund portfolio even though it holds 4 funds: https://fundresearch.fidelity.com/mutual-funds/composition/31634R109 1. S&P 500 2. Extended Market Index 3. Spartan International index 4. US bond index. S&P 500 + extended market index can approximate Total Stock ...
by DSInvestor
Tue Jul 28, 2015 5:47 pm
Forum: Investing - Theory, News & General
Topic: April 15th is DEADLINE for 2014 IRA contributions
Replies: 12
Views: 1139

Re: April 15th is DEADLINE for 2014 IRA contributions

I opened Vanguard ROTH IRA account on 06/01/2015. Does this count toward 2015 contributions or 2016? I'm assuming its 2015 since 04/15/15 was the deadline for 2014. Roth/Traditional IRA contributions for tax year 2015 are accepted from Jan 01, 2015 to April 15, 2016 (tax filing deadline for tax yea...
by DSInvestor
Tue Jul 28, 2015 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Question about avoiding a wash sale
Replies: 7
Views: 326

Re: Question about avoiding a wash sale

You can use the fund exchange feature at vanguard to sell and buy in one shot. The exchange can exchange from your TSM to any Vanguard fund(s) of your choosing. The exchange is a buy and a sell and it happens at the next market close. You will not be out of the market for even a second. The first ti...
by DSInvestor
Tue Jul 28, 2015 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Stock/bond mix - Roth IRA vs Taxable
Replies: 5
Views: 398

Re: Stock/bond mix - Roth IRA vs Taxable

Do you have any other tax advantaged accounts? Any employer plans like 401k, 403b, 457b? If you're self employed, you may be able to use self employed retirement plan like Solo 401k or SEP-IRA and gets lots more tax advantaged space.
by DSInvestor
Mon Jul 27, 2015 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: TLH partners for VG international funds?
Replies: 7
Views: 360

Re: TLH partners for VG international funds?

I called Vanguard asking about moving from the MF to the ETF and mentioned TLH. The broker said that he didn't think that these funds would pass the test with the IRS. I think they track the same index, do they not? Their top holdings are identical. Moving from Total international VGTSX/VTIAX to VX...
by DSInvestor
Mon Jul 27, 2015 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Deductions with partial year 401k available....
Replies: 3
Views: 249

Re: IRA Deductions with partial year 401k available....

OP probably already knows this but for others - if not eligible to receive a deduction for the traditional IRA contribution consider the Backdoor Roth. For folks covered by an employer plan, the MAGI limits that disallow the TIRA tax deduction are lower than the MAGI limits for Roth IRA contributio...
by DSInvestor
Mon Jul 27, 2015 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: TLH partners for VG international funds?
Replies: 7
Views: 360

Re: TLH partners for VG international funds?

Vanguard Total International Stock Market Index VGTSX, VTIAX, VXUS ETF holds 5904 stocks.

Vanguard FTSE All World ex-US VFWIX, VFWAX, VEU ETF holds 2490 stocks.

Looking at the number of stocks held by each fund, they aren't similar to me.
by DSInvestor
Sun Jul 26, 2015 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Deductions with partial year 401k available....
Replies: 3
Views: 249

Re: IRA Deductions with partial year 401k available....

If neither of you were covered by an employer plan, you can fully deduct TIRA contributions no matter how high your income. See IRS page on IRA deduction limits: http://www.irs.gov/Retirement-Plans/IRA-Deduction-Limits If either of you were covered by an employer plan like 401k for even 1 day in the...
by DSInvestor
Sat Jul 25, 2015 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: How much does Property Tax factor in home purchase?
Replies: 36
Views: 2562

Re: How much does Property Tax factor in home purchase?

If your home is a home in a condo development, watch out for condo dues and special assessments. Those could be as much or more than property taxes depending on the property.
by DSInvestor
Sat Jul 25, 2015 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard i401k and backdoor roth
Replies: 2
Views: 184

Re: Vanguard i401k and backdoor roth

The backdoor into Roth IRA works great if you don't have any pre-tax IRA assets when you convert your non-deductible contributions in Traditional IRA to Roth IRA. In this situation, IRS will force you to prorate your IRA basis when you do a partial conversion. One way to avoid the prorata issue is t...
by DSInvestor
Fri Jul 24, 2015 11:54 pm
Forum: Investing - Help with Personal Investments
Topic: Realizing capital gains towards a shorter-term goal
Replies: 12
Views: 610

Re: Realizing capital gains towards a shorter-term goal

Clever_Username wrote:Is there a good (and legal) way to get last year's software cheaply? I could look into making up a mock return to see how that works.


Taxact 2014 deluxe is $12.99.
Taxact also has a free Federal version for download.
www.taxact.com
by DSInvestor
Fri Jul 24, 2015 11:50 pm
Forum: Personal Consumer Issues
Topic: Any IPad users, I am looking for a new IPad device
Replies: 7
Views: 1140

Re: Any IPad users, I am looking for a new IPad device

Bestbuy is having a black friday in July sale until Saturday 7/25. iPad air 2 is on sale for $125 off.
Ipad air 2 wifi only 16GB is $375 (reg $499), 64GB $475 (reg $599), 128GB (reg $699)

I don't think the sale applies to cellular models of iPad Air 2.
by DSInvestor
Fri Jul 24, 2015 12:43 am
Forum: Investing - Theory, News & General
Topic: Tax gain harvest on a house?
Replies: 5
Views: 830

Re: Tax gain harvest on a house?

When you sell your house, you get a $250k/$500k exemption on the capital gains. Is it possible to harvest gains on a house if the appreciation starts to approach the exemption limit? I understand that transaction costs for buying and selling a home are high, but for people in high capital gains bra...
by DSInvestor
Thu Jul 23, 2015 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Not paying estimated taxes
Replies: 20
Views: 2265

Re: Not paying estimated taxes

Do you have any assets in taxable accounts and are you reinvesting dividends there? If reinvesting dividends in the taxable account, stop reinvesting and collect them in cash and use them to help pay your tax estimates. This will help reduce your need to withdraw from your tax advantaged accounts to...
by DSInvestor
Thu Jul 23, 2015 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Not paying estimated taxes
Replies: 20
Views: 2265

Re: Not paying estimated taxes

How close are you to reaching a safe harbor to avoid under payment penalty?
http://www.irs.gov/publications/p505/ch ... 1000194815
by DSInvestor
Thu Jul 23, 2015 12:48 am
Forum: Investing - Help with Personal Investments
Topic: Solo401K recommendation
Replies: 34
Views: 2069

Re: Solo401K recommendation

I have mine with Fido and I invest in the 3 funds that make the "3 fund portfolio". I dont pay any fees. Only issue I have is that I either needs to post the contribution check or go to local Fido office to deposit money. they dont allow the mobile app check cashing feature for 401ks. I d...
by DSInvestor
Wed Jul 22, 2015 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Solo401K recommendation
Replies: 34
Views: 2069

Re: Solo401K recommendation

I have mine with Fido and I invest in the 3 funds that make the "3 fund portfolio". I dont pay any fees. Only issue I have is that I either needs to post the contribution check or go to local Fido office to deposit money. they dont allow the mobile app check cashing feature for 401ks. I d...
by DSInvestor
Wed Jul 22, 2015 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Solo401K recommendation
Replies: 34
Views: 2069

Re: Solo401K recommendation

HA!!! stuff I learned today is better than school! you guys are awesome!!! What do you mean "per fund" is it the same as per fund invested? TIA Sarala If you do not have at least 50K of Vanguard assets (Voyager), a $20/yr fee applies for each vanguard fund held in a Vanguard Individual 40...
by DSInvestor
Wed Jul 22, 2015 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Solo401K recommendation
Replies: 34
Views: 2069

Re: Solo401K recommendation

I found this on the web: I thought their pricing is pretty simple. Only $125/annual??? is this for real or am I incorrect? http://www.mysolo401k.net/solo-401k/solo-401k-pricing/ Fidelity's Self Employed 401k has no fees. This is true of many other solo 401k plans as well. Vanguard's Individual plan...
by DSInvestor
Wed Jul 22, 2015 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Solo401K recommendation
Replies: 34
Views: 2069

Re: Solo401K recommendation

Why Roth 401K? I meant I don't quite understand why one would choose this. I see that roth uses after tax dollars right? I am a consultant will this make a difference for me? A Roth 401k plan allows you to make employee salary contributions 18K to Traditional 401k or Roth 401k. You can mix them up ...
by DSInvestor
Wed Jul 22, 2015 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Solo401K recommendation
Replies: 34
Views: 2069

Re: Solo401K recommendation

I like Fidelity's Self Employed 401(k). Solo 401k allows for two types of contributions: 1) Employee salary deferral 18K 2) EMployer profit share up to ~20% of net business income if sole proprietor or 25% of S-Corp W2 salary. In order to be eligible to contribute 50K total to Solo 401k, you'd need ...
by DSInvestor
Mon Jul 20, 2015 11:33 pm
Forum: Investing - Theory, News & General
Topic: Pros and cons of adding Roth Option to 401K Plan
Replies: 94
Views: 5383

Re: Pros and cons of adding Roth Option to 401K Plan

One of the features of Roth 401k that I do not like is that the Roth 401k contributions are irrevocable once made. You cannot change your mind later like you can with Roth IRA (recharacterization). With Traditional 401k contributions there are options. That money sits in the traditional account and ...
by DSInvestor
Mon Jul 20, 2015 11:24 pm
Forum: Investing - Theory, News & General
Topic: Pros and cons of adding Roth Option to 401K Plan
Replies: 94
Views: 5383

Re: Pros and cons of adding Roth Option to 401K Plan

2. If my income happens to be lower in retirement - I can leverage the Roth for "lump sum" expenses. For example, I may have unforeseen medical expense, I may have a wedding to foot the bill for, I may choose to buy a summer home. If i choose to pull from my Roth, increasing my taxable in...
by DSInvestor
Mon Jul 20, 2015 2:36 pm
Forum: Personal Consumer Issues
Topic: 2007 Toyota Camry Issue
Replies: 20
Views: 1565

Re: 2007 Toyota Camry Issue

Thank you all for your inputs. My car is 2007 XLE and the quote given is from my dealer. I live in Bay Area, CA so I guess price should be higher. If you're close to Sunnyvale, CA, give Hondacraft a call. They work on more than Hondas. I have some family that lives in SF Bay area and they take thei...
by DSInvestor
Mon Jul 20, 2015 12:39 pm
Forum: Personal Consumer Issues
Topic: 2007 Toyota Camry Issue
Replies: 20
Views: 1565

Re: 2007 Toyota Camry Issue

If going in to do a water pump, should the timing belt be done as well? I believe these two things are commonly done together as you have to remove the same stuff to get affected parts.
by DSInvestor
Mon Jul 20, 2015 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Two potential taxable account allocations
Replies: 21
Views: 1341

Re: Two potential taxable account allocations

Thanks DSInvestor. This all makes a lot more sense now. I will go through the wiki over the next few days and also calculate the exact 'disadvantage' of the higher taxes on Allocation 2. Just as an aside, if I had to add a second component to the taxable account (I anticipate that my taxable accoun...
by DSInvestor
Sun Jul 19, 2015 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Can't move money-market funds within Vanguard
Replies: 6
Views: 897

Re: Can't move money-market funds within Vanguard

If accounts are titled correctly, you should be able to do a fund exchange from MMF 1 to MMF 2. The exchange will happen at the next market close. If both accounts are taxable accounts, there should be no limit on the amount that you an exchange between those two funds. If one or both of the account...
by DSInvestor
Sun Jul 19, 2015 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tax-Gain Harvesting now for Tax-Loss Harvesting later?
Replies: 11
Views: 873

Re: TGH now for TLH later?

I would not harvest those gains at your level of income. If your MAGI exceeds 250K with the LTCG, you'll be subject to an extra 3.8% Net Investment Income Tax on the investment income that falls above that 250K MAGI threshold. IRS FAQ page on Net Investment Income Tax: http://www.irs.gov/uac/Newsroo...
by DSInvestor
Sun Jul 19, 2015 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Two potential taxable account allocations
Replies: 21
Views: 1341

Re: Two potential taxable account allocations

There is different tax treatment for Qualified Dividend Income (QDI) vs Non-Qualified (ordinary) Dividend Income. Wikipedia page on Qualified Dividends: https://en.wikipedia.org/wiki/Qualified_dividend 2014 QDI numbers from Vanguard: https://personal.vanguard.com/us/insights/taxcenter/qdi/yearend-qu...
by DSInvestor
Sun Jul 19, 2015 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Two potential taxable account allocations
Replies: 21
Views: 1341

Re: Two potential taxable account allocations

My taxable account is (and probably always will be) about 1/4-1/3 of all my accounts combined. Since it's my "retire early" account with a horizon of 20-25 years, I prefer to treat it independently of my Roth IRA, 401k and HSA, which have 35+ year horizons, and also because I only plan to...
by DSInvestor
Sun Jul 19, 2015 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Two potential taxable account allocations
Replies: 21
Views: 1341

Re: Two potential taxable account allocations

How big is the taxable account relative to all the other tax advantaged accounts? If 90% of portfolio is in tax advantaged, you should keep the taxable account as simple as possible and go with just TSM and hold everything else in tax advantaged where you can rebalance for no tax cost. In this type ...
by DSInvestor
Sun Jul 19, 2015 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Two potential taxable account allocations
Replies: 21
Views: 1341

Re: Two potential taxable account allocations

I suggest option 1 Total Stock Market and Total International stock market but using Admiral shares at Vangaurd rather than ETF shares. Admiral shares have the same expense ratio as the ETF shares and you can automate the investments which will save you time and help take emotion out of investing. I...
by DSInvestor
Sat Jul 18, 2015 3:01 pm
Forum: Personal Consumer Issues
Topic: Tipping at pay-first restaurants: what would you do?
Replies: 35
Views: 3296

Re: Tipping at pay-first restaurants: what would you do?

I suppose you can leave the tip blank when paying and leave cash on the table. If you have a big party of 6 or 8, some restaurants may automatically tack on a gratuity to your bill.
by DSInvestor
Sat Jul 18, 2015 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Help switching to Backdoor Roth IRA
Replies: 4
Views: 379

Re: Help switching to Backdoor Roth IRA

I would also suggest maxing out both Traditional 401k for 18K each which would put you well under the 183K MAGI limit (Married Filing Jointly) to allow full contributions to Roth IRA. If your gross salaries are 190K combined and you contribute 36K to Traditional 401k that would give you a MAGI of ar...
by DSInvestor
Sat Jul 18, 2015 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA
Replies: 2
Views: 284

Re: Backdoor Roth IRA

When there is IRA basis (non-deductible contribution) in Traditional/Rollover/SEP/SIMPLE-IRAs, IRS will prorate the basis on partial conversion or partial withdrawal. The basis amount should have been tracked with form 8606 in the years of contributions and conversions/withdrawal. Example: IRA basis...
by DSInvestor
Sat Jul 18, 2015 10:48 am
Forum: Personal Consumer Issues
Topic: Recommendations for gas grill
Replies: 63
Views: 4939

Re: Recommendations for gas grill

We're happy with our Weber Q2200 with optional stand. It can use camp propane cans or standard 20lb propane tank with hose adapter. The Q3200 comes with integrated stand, two burners and uses standard 20lb propane tanks.
by DSInvestor
Fri Jul 17, 2015 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Elective deferral limit question
Replies: 23
Views: 1171

Re: Elective deferral limit question

So let's pretend I make enough money (I don't..) to more than max out all retirement accounts and have $ left over. And lets assume the 401k is decent enough. Would it be better to max out the 401k at $53000 or only to the allowable pretax and roth limits ($18000) and invest the rest in a taxable a...
by DSInvestor
Fri Jul 17, 2015 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Elective deferral limit question
Replies: 23
Views: 1171

Re: Elective deferral limit question

Roth IRA contribution limit is definitely separate from 401k and 457b. 401k limit is 53K. 18K of employee salary deferral to 401k and another 18K to 457b is allowed. I'm not sure if that 18K contribution to 457b shares the same 53K limit as the 401k. IMO, after-tax contributions to 401k are only wor...
by DSInvestor
Fri Jul 17, 2015 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual fund minimum investments
Replies: 34
Views: 1058

Re: Mutual fund minimum investments

I suggest skipping ETFs and going with investor shares at Vanguard which have minimum initial investment amounts of $1000 - $3000. If you select investor shares of a fund that offers admiral shares, you will be promoted to admiral shares once your fund account balance exceeds the minimum requirement...
by DSInvestor
Tue Jul 14, 2015 1:17 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting - 3 funds portfolio
Replies: 2
Views: 257

Re: Tax Loss Harvesting - 3 funds portfolio

VTI <-> VOO (S&P 500 Index)
VXUS <-> VEU (FTSE All World ex-US)
BND <-> BIV (Intermediate Term Bond Index)
by DSInvestor
Mon Jul 13, 2015 7:58 pm
Forum: Personal Consumer Issues
Topic: Desktop wifi connection + keyboard
Replies: 9
Views: 625

Re: Desktop wifi connection + keyboard

Wireless is fine unless you're doing large transfers between devices on your network. In this case, it would be better to use ethernet connection to your router. If you're in an area with lots of wireless access points, there may be lots of interference which may degrade your wifi performance. It's ...

Go to advanced search