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Re: Rolling over assets-how will affect Backdoor Roth Conver

Epsilon Delta wrote:
Your IRAs do not affect your wifes ability to perform a backdoor Roth contribution. Only her own tIRA would affect her ability to do a backdoor Roth.


Thank you for your reply
by DoubleDraw
Fri Jan 10, 2014 12:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Rolling over assets-how will affect Backdoor Roth Conversion
Replies: 18
Views: 343

Re: Rolling over assets-how will affect Backdoor Roth Conver

similar question...I have a TIRA setup already but my wife does not. Would we still be able to backdoor Roth in her name if she does not roll her old 401k into a TIRA? Or would it not work if we file taxes together since I have the TIRA which only has about $13k in it? I feel lost and not sure what ...
by DoubleDraw
Thu Jan 09, 2014 11:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rolling over assets-how will affect Backdoor Roth Conversion
Replies: 18
Views: 343

Re: Non-retirees: Envisioning Retirement

I'm 30 and love to ski, mountain bike, hike and fly fish. I am not looking forward to retiring, per se, more like looking forward to being able to be outside every day while still being productive. I imagine I will increase my volunteering time as well which I find very rewarding. Finally, I look fo...
by DoubleDraw
Fri Jan 03, 2014 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Non-retirees: Envisioning Retirement
Replies: 62
Views: 4612

Re: What to do with non-retirement savings?

Thanks for the reply, jimb. I sent you a private message about this.
by DoubleDraw
Thu Jan 02, 2014 10:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with non-retirement savings?
Replies: 13
Views: 1511

Re: What does a Bogle TV look like?

50" Samsung DLP HDTV nearly 8 years old now - have probably seen fewer than 10 movies at the theater since purchasing it. Cost about $2k back in early 2006 but it has been worth every penny. Had to replace the bulb once for $80 and had a turning off problem that was covered under warranty. Stil...
by DoubleDraw
Thu Jan 02, 2014 1:02 am
 
Forum: Personal Consumer Issues
Topic: What does a Bogle TV look like?
Replies: 78
Views: 4236

Re: What is your winter thermostat setting (while you are up

67 in the winter when we are home and awake - 62 when asleep

I prefer it a bit colder to save on heat but I think those temperatures are reasonable. We have a reasonably efficient home as well, which helps.
by DoubleDraw
Thu Jan 02, 2014 12:57 am
 
Forum: Personal Consumer Issues
Topic: What is your winter thermostat setting (while you are up)?
Replies: 116
Views: 8521

Re: What was your 2013 return?

23% with an 80/10/10 mix

pretty happy with that
by DoubleDraw
Wed Jan 01, 2014 8:35 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 9167

Re: Rent Out Condo or Sell It

6 months or so ago I became a landlord and have had zero issues so far. For me, the cost of selling the home (6%) through a real estate agent was not worth avoiding some small hassles. I am in a similar situation in that my condo has negative cash flow of $100/mo. on a 15yr mortgage. Part of my thin...
by DoubleDraw
Wed Jan 01, 2014 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rent Out Condo or Sell It
Replies: 43
Views: 3471

Re: PS:

PS: Here's an example to illustrate the equivalent return for the investment for paying extra on the mortgage: For a balance of $225,000 at 3.75% with 336 months (28. years) remaining the payment for P&I is $1082.58 per month, and the total interest paid will be $138,748. If the payment for $22...
by DoubleDraw
Wed Jan 01, 2014 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with non-retirement savings?
Replies: 13
Views: 1511

Re: Poll: Did low-cost investing not work for you?

Low cost index investing has worked well for me compared to the total stock market as I've been able to track its performance fairly closely. However, it has not been as successful for me as doing my own research and picking my own stocks. I guess the real question would be risk-adjusted performance...
by DoubleDraw
Sun Sep 22, 2013 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll: Did low-cost investing not work for you?
Replies: 25
Views: 3577

Thanks Bogleheads & MtgProfessor

Hello contributors to this forum. I just wanted to take a brief moment to both say thanks for helping to steer me towards mtgprofessor.com and to give a brief "trip report" of how my experience went. I recently closed on a house using a lender I found on mtgprofessor and they saved me abou...
by DoubleDraw
Tue Sep 10, 2013 11:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thanks Bogleheads & MtgProfessor
Replies: 0
Views: 333

Re: Preapproval letter versus actual loan for mortgage

You definitely do not need to use the same lender that writes the preapproval letter. My advice is to talk to that local guy your parents or your boss or your friend knows first and get a preapproval letter from them since they are typically easier to get them from since they are trying to earn your...
by DoubleDraw
Tue Sep 10, 2013 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Preapproval letter versus actual loan for mortgage
Replies: 5
Views: 680

Re: Green Egg BBQ/Smoker

This one: http://www.amazon.com/Vision-Grills-Classic-Charcoal-Includes/product-reviews/B008O1V3FS/ref=dp_top_cm_cr_acr_txt?ie=UTF8&showViewpoints=1 is available at Costco and got some pretty good ratings on Amazon. Anyone got one? if so, what is your opinion? Call around to different Costcos. ...
by DoubleDraw
Fri Aug 02, 2013 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Green Egg BBQ/Smoker
Replies: 48
Views: 3287

Re: Green Egg BBQ/Smoker

This one: http://www.amazon.com/Vision-Grills-Classic-Charcoal-Includes/product-reviews/B008O1V3FS/ref=dp_top_cm_cr_acr_txt?ie=UTF8&showViewpoints=1 is available at Costco and got some pretty good ratings on Amazon. Anyone got one? if so, what is your opinion? Call around to different Costcos. ...
by DoubleDraw
Fri Aug 02, 2013 3:26 pm
 
Forum: Personal Consumer Issues
Topic: Green Egg BBQ/Smoker
Replies: 48
Views: 3287

Re: Conflicted About Expected Lifestyle Creep

There are some great posts in this thread. Very insightful. I would make a budget and see what you feel comfortable with in terms of spending and saving. I have found that when you look at your monthly paycheck it is easier to digest than when you look at your annual income. Back into a savings numb...
by DoubleDraw
Mon Jul 22, 2013 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Conflicted About Expected Lifestyle Creep
Replies: 47
Views: 5696

Re: Do you go to bogleheads.org with your smartphone?

5" android screen and chrome browser = works great
by DoubleDraw
Sun Jun 23, 2013 7:26 pm
 
Forum: Forum Issues and Administration
Topic: Do you go to bogleheads.org with your smartphone?
Replies: 32
Views: 2817

Re: Using full name for email - bad or good idea?

I have used firstnamelastname@gmail.com for at least 8 years now and have had no security issues that I know of. Make sure to turn 2 step verification on!

https://support.google.com/accounts/answer/180744?hl=en
by DoubleDraw
Thu May 16, 2013 12:13 am
 
Forum: Personal Consumer Issues
Topic: Using full name for email - bad or good idea?
Replies: 20
Views: 2020

Re: Reno/Tahoe/Yosemite Trip

Any restaurant recommendations in north lake/south lake? We like cheap, funky and delicious not expensive and fancy.
by DoubleDraw
Thu May 16, 2013 12:08 am
 
Forum: Personal Consumer Issues
Topic: Reno/Tahoe/Yosemite Trip
Replies: 31
Views: 1627

Re: How Much Did You Spend on Your Engagement Ring??

If she doesn't have a problem with it, and you don't have a problem with it, there is no problem with it. I can't tell if she is really excited about getting a man made diamond or not. She seems to really like the idea of it being 100% conflict free, but I can't tell if she is saying she is good wi...
by DoubleDraw
Wed May 15, 2013 11:16 pm
 
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 20184

Re: How Much Did You Spend on Your Engagement Ring??

Has anyone considered a lab or man made diamond? We are. I can afford the stone she wants in a mined diamond but that makes no sense (to me) other than her satisfaction and enjoyment and I can think of lots of more sensible luxuries that we don't indulge in. I think it is important to her to get a d...
by DoubleDraw
Wed May 15, 2013 2:05 am
 
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 20184

Re: Meet Mr. Money Mustache, the man who retired at 30

@Noob - do you really think that person you quoted will act the way he thinks he will in 20-25 yrs from now? Don't you think he is at the very least on the right path by starting to save aggressively towards his goal?
by DoubleDraw
Wed May 01, 2013 1:20 pm
 
Forum: Investing - Theory, News & General
Topic: Meet Mr. Money Mustache, the man who retired at 30
Replies: 253
Views: 26751

Re: Meet Mr. Money Mustache, the man who retired at 30

From YEARS of experience with SEO, web traffic, etc I can assure you MMM gets substantial search traffic. I also do not agree that well-trafficked blogs don't get the bulk of their traffic from search engines. I know plenty that do. It just depends on the niche, audience, etc. I also have years of ...
by DoubleDraw
Wed May 01, 2013 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: Meet Mr. Money Mustache, the man who retired at 30
Replies: 253
Views: 26751

Re: Meet Mr. Money Mustache, the man who retired at 30

I think it is possible to get clean search results, just use Chrome incognito mode or similar feature in another browser. The results for "swr trinity" and "get rich with blogging" do give MMM for the 4th and 1st ranked results, repectively. Not so for "lending club" o...
by DoubleDraw
Wed May 01, 2013 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Meet Mr. Money Mustache, the man who retired at 30
Replies: 253
Views: 26751

Re: Meet Mr. Money Mustache, the man who retired at 30

You're grasping at straws here. Using Alexa to confidently assert you know anything about his web traffic is a joke . Alexa gives a general idea, but you want to get more specific? Sure, let's do that. His Google PageRank is 5 - it's a log scale system from 1 to 10, as you probably know, so 5 is ex...
by DoubleDraw
Wed May 01, 2013 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: Meet Mr. Money Mustache, the man who retired at 30
Replies: 253
Views: 26751

Re: Survey of use of 'past performance' data

Can anyone link me to a study showing that stellar past performance over many years is either neutral or negatively correlated with future performance? I understand that it is not guaranteed and that there is a stronger connection between fees and performance, but it would seem to me that some peopl...
by DoubleDraw
Wed May 01, 2013 12:51 am
 
Forum: Investing - Theory, News & General
Topic: Survey of use of 'past performance' data
Replies: 22
Views: 937

Re: Meet Mr. Money Mustache, the man who retired at 30

It appears to me that it's the "literal" readers of his blog that are either offended by him or may get into trouble because of him, but I suspect those readers (although vocal) are pretty few and far between. Many people coming to his site do so via search engines. His number one traffic...
by DoubleDraw
Wed May 01, 2013 12:40 am
 
Forum: Investing - Theory, News & General
Topic: Meet Mr. Money Mustache, the man who retired at 30
Replies: 253
Views: 26751

Re: Bank mailed me letter, $5 fee starts in June, criminal.

So I got a letter from my local bank (River Valley) yesterday stating that beginning June 1st, a monthly service fee of $5 will be billed unless I keep an "average ledger balance" of $300 or more per month for all Checking accounts. What the heck do they mean by "ledger balance"...
by DoubleDraw
Tue Apr 30, 2013 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank mailed me letter, $5 fee starts in June
Replies: 122
Views: 7124

Re: Meet Mr. Money Mustache, the man who retired at 30

I have read MMM on and off for the past couple years 1) Rent and real estate are quite expensive in Boulder due to the University of Colorado and constant stream of new renters willing to pay a premium to be nearby. Small homes rent for $2k/mo to students, so I would imagine a nicer family home bein...
by DoubleDraw
Tue Apr 30, 2013 11:27 am
 
Forum: Investing - Theory, News & General
Topic: Meet Mr. Money Mustache, the man who retired at 30
Replies: 253
Views: 26751

Re: Question re: Apple's upcoming debt offering

As will shortly be evident, I'm naive about how such things work. Apple has a gazillion dollars in cash, on which it is not earning much and apparently has no acquisitions and/or projects that are worth doing. Buying back stock will quiet the stockholders who want to see the cash used to benefit th...
by DoubleDraw
Mon Apr 29, 2013 8:29 pm
 
Forum: Investing - Theory, News & General
Topic: Question re: Apple's upcoming debt offering
Replies: 16
Views: 1595

Re: Can You Ace FINRA's Financial Literacy Quiz?

13/15 I misread the question about the relationship between bond prices and interest rates and had no idea and guessed the acronym I didn't know about insuring against stock losses. Thanks for sharing the quiz.
by DoubleDraw
Thu Apr 25, 2013 9:26 pm
 
Forum: Investing - Theory, News & General
Topic: Can You Ace FINRA's Financial Literacy Quiz?
Replies: 111
Views: 6223

Re: Frontline--The Retirement Gamble

I agree to some extent. The bigger issue that should be addressed is that even if you do know what to invest in there are a lot of situations where you would not have access to appropriate choices in the company sponsored retirement plans. With IRA accounts capped at $5500-$6500, the $17500 tax def...
by DoubleDraw
Wed Apr 24, 2013 8:28 pm
 
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 318
Views: 34293

Re: Frontline--The Retirement Gamble

While I agree in part, when it comes to 401K choices, what personal responsibility do you expect the employee to take? If the employer only offers high-expense managed funds in the 401K plan, what do you expect the employee to do? I would expect the employee to make informed decisions about their i...
by DoubleDraw
Wed Apr 24, 2013 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 318
Views: 34293

Re: Frontline--The Retirement Gamble

As others have mentioned, this piece reminded me of credit card and mortgage crisis documentaries which basically all fall under "I didn't pay attention to what I signed and now I take no responsibility for that decision". I don't understand why we, as a society, let these people of the ho...
by DoubleDraw
Wed Apr 24, 2013 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 318
Views: 34293

Re: What is the lowest possible Expense Ratios could go?

I have a S&P 500 and the Extended Market-equivalent index funds in my 401k that have had an ER of 1 basis point (0.01%) for years. I am drooling at this right now. Lowest ER in my 401k is an S&P 500 with an ER of 0.68. There's also a TSM with 0.72. Somebody at our 401k company is getting P-...
by DoubleDraw
Sat Apr 13, 2013 6:42 pm
 
Forum: Investing - Theory, News & General
Topic: What is the lowest possible Expense Ratios could go?
Replies: 26
Views: 1819

Re: What do you do if you >know< you are an emotional invest

One thing that might help is comparing your returns to what would have happened if you just left your investments alone. Is being a worrier costing you money? How much? Figure out how much you are worrying (in hours, amount of stress, effect on your life, or whatever else) and put a price tag on it....
by DoubleDraw
Wed Apr 03, 2013 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you do if you >know< you are an emotional investor?
Replies: 21
Views: 1066

Re: Bogleheads' accomplishments

Dang, I'm the only one who's voted for "worse than I expected?" I'm still doing well, 200k in funds @ 31, maxing 401k / Roth IRA / i-bonds, but...Maybe the poll isn't exactly tailored to my situation, but if I had started investing earlier, particularly with maxing a Roth IRA, I'd have mu...
by DoubleDraw
Tue Apr 02, 2013 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads' accomplishments
Replies: 72
Views: 5900

Re: How do you set your saving goals and find a balance?

I'm pretty young at 30 and feel like as long as I am maxing out 401k and IRA while also paying down my 15 yr mortgage biweekly the rest is for me to do what with what I please. Been doing this for about 2.5 years now and have 60k+ in retirement accounts, which feels good. Hopefully, my income (55k) ...
by DoubleDraw
Fri Mar 29, 2013 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you set your saving goals and find a balance?
Replies: 40
Views: 2615

Re: Starter Home vs. Stay in Condo?

Sell the condo, rent a house close to GF's school. Advice on this was not asked, but GF should make sure she has a good advisor or someone who will help her in her career, so she is not just doing the lab work for a big name professor. Thanks for the advice, she says that she will keep that in mind...
by DoubleDraw
Tue Mar 26, 2013 8:47 pm
 
Forum: Personal Consumer Issues
Topic: Starter Home vs. Stay in Condo?
Replies: 15
Views: 1429

Re: Starter Home vs. Stay in Condo?

It seems like this needs to be made as a lifestyle decision, not a financial one, as it sounds like the finances would work themselves out just fine. Ignoring money, do *you* want to live in a house versus your current condo? Does your girlfriend? Do you want to have a yard? Do you want to mow the ...
by DoubleDraw
Mon Mar 25, 2013 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Starter Home vs. Stay in Condo?
Replies: 15
Views: 1429

Re: Starter Home vs. Stay in Condo?

I get paid bi-weekly and like the idea of making an extra full payment per year if only because it forces me to "save" the money. Since you will be looking to move again in a few years when you have kids you won't save any money in reduced interest by the extra payments so you are probabl...
by DoubleDraw
Sun Mar 24, 2013 10:28 pm
 
Forum: Personal Consumer Issues
Topic: Starter Home vs. Stay in Condo?
Replies: 15
Views: 1429

Re: Starter Home vs. Stay in Condo?

OP which city are you in? I hate to say it as it may not sound good in your position but things cannot be taken for granted and I would definitely recommend considering only your financial situation for the new house. I think you bring more to the table anyways. I would recommend doing it. I live i...
by DoubleDraw
Sun Mar 24, 2013 7:31 pm
 
Forum: Personal Consumer Issues
Topic: Starter Home vs. Stay in Condo?
Replies: 15
Views: 1429

Re: Starter Home vs. Stay in Condo?

This isn't really a financial decision it is a consumption/life style one. No one can tell you what the quality of life impact will be - you need to figure that out for yourself. It doesn't sound like you would be putting yourself into a financially precarious situation so my advice would be let: I...
by DoubleDraw
Sun Mar 24, 2013 7:02 pm
 
Forum: Personal Consumer Issues
Topic: Starter Home vs. Stay in Condo?
Replies: 15
Views: 1429

Starter Home vs. Stay in Condo?

We are making a plan about when to buy a home and move out of my condo. My girlfriend and I have been seeing each other for about 5 years and living together for 2. I am 30 and she is 29. She was recently accepted into a 4+ year chemistry phd program in the city we live in that starts in the fall. N...
by DoubleDraw
Sun Mar 24, 2013 6:49 pm
 
Forum: Personal Consumer Issues
Topic: Starter Home vs. Stay in Condo?
Replies: 15
Views: 1429

Re: Rechargable vs alkaline batteries

yet another recommendation for eneloops. I use battery powered headphones all day at work and they go far longer than any other brand I've seen.
by DoubleDraw
Mon Mar 18, 2013 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Rechargable vs alkaline batteries
Replies: 33
Views: 2649

Re: Marketing Ideas for a Small Business?

Magellan's post 2 above this one is great advice. If you can't start a website for your business, start a blog and write about whatever your business is. Make sure you are passionate about what you are writing about, nobody wants to read crap. Address issues that you see happening in your industry, ...
by DoubleDraw
Mon Mar 18, 2013 6:21 pm
 
Forum: Personal Consumer Issues
Topic: Marketing Ideas for a Small Business?
Replies: 18
Views: 1001

Re: The perfect Boglehead car

Don't forget to consider your market as well. In my area, Subaru wagons maintain far more of their value than other brands/models because of weather and recreation considerations. The situation in your area may be different. Blue collar markets put a premium on trucks and older used cars. California...
by DoubleDraw
Tue Feb 05, 2013 10:41 pm
 
Forum: Personal Consumer Issues
Topic: The perfect Boglehead car
Replies: 92
Views: 8318

Re: Income Earned in '12, 401k Contribution Made in '13

thank you, tfb. It was deducted from my last 2012 paycheck, so it will count towards 2012 taxes.

I appreciate you taking the time to reply.
by DoubleDraw
Sun Jan 06, 2013 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Income Earned in '12, 401k Contribution Made in '13
Replies: 3
Views: 347

Income Earned in '12, 401k Contribution Made in '13

I earned income in 2012 and was paid my paycheck before the end of 2012. However, my t401k contribution was not made until 2013. Which year will the 401k contribution be counted towards, 2012 or 2013?

Thank you very much for your time.
by DoubleDraw
Sun Jan 06, 2013 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Income Earned in '12, 401k Contribution Made in '13
Replies: 3
Views: 347

Re: What Book Are You Currently Reading? Part V

Crooked Cucumber - The Life and Zen Teachings of Shunryu Suzuki
by DoubleDraw
Mon Aug 20, 2012 11:08 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3102
Views: 997605
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